Oregonians Credit Union mortgage approval rate & lending review
Oregonians Credit Union decided 368 mortgage applications and funded 331 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oregonians Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oregonians Credit Union at a glance
Approval is 28.6 points above the 64.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 94% | 222 / 236 | 96% | $75K | 212 |
| Refinance | 92% | 47 / 51 | 98% | $105K | 46 |
| Investment home improvement | 95% | 39 / 41 | 95% | $105K | 37 |
Oregonians Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 93% | $75K | 363 | 327 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oregonians Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Multnomah County, OR | Home improvement loans | 91% | 76 | 69 |
| Washington County, OR | Home improvement loans | 96% | 76 | 65 |
| Clackamas County, OR | Home improvement loans | 93% | 55 | 51 |
The county markets where Oregonians Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Oregonians Credit Union
What is Oregonians Credit Union's mortgage approval rate?
Oregonians Credit Union approved 93.5% of the 368 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 28.6 points above the 64.9% national rate for the same mix of loan types.
How often do borrowers take the loan Oregonians Credit Union offers?
Borrowers accepted 96% of the loans Oregonians Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oregonians Credit Union make?
The typical home improvement loan loan Oregonians Credit Union made was $75K; across all loan types its typical loan ran from $75K to $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oregonians Credit Union lend?
Oregonians Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Oregon and Washington.
Can I apply to Oregonians Credit Union directly?
Yes. Oregonians Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oregonians Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oregonians Credit Union treats applications, then get a rate quote from the lender.