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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Oregon

Fat Boy Data analyzed investment home improvement loan activity in Oregon to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,028 applications were decided by 116 lenders between 2023 and 2025.

Oregon at a glance

116Active lenders22 with 20+ decisions
53.9%Market approval rate1,094 of 2,028 decided
$85KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,002 loans funded

How Oregon compares

Approval rate compared
Oregon53.9%All 616 counties51.2%
Typical loan compared
Oregon$85KAll 616 counties$115K

What the data shows

Onpoint Community Credit Union made the most investment home improvement loans in Oregon, 239 of them.

Oregonians Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 39.

The typical investment home improvement loan here is $85K, 26% smaller than the the United States typical of $115K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 22 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 10% approved of 140One lender: 11% approved of 81One lender: 32% approved of 25One lender: 34% approved of 38One lender: 36% approved of 50One lender: 39% approved of 87One lender: 39% approved of 23Columbia Bank: 42% approved of 89One lender: 43% approved of 21One lender: 44% approved of 72One lender: 46% approved of 24One lender: 49% approved of 37Onpoint Community Credit Union: 58% approved of 456One lender: 60% approved of 45One lender: 64% approved of 25One lender: 70% approved of 60Oregon Community: 70% approved of 164One lender: 71% approved of 41One lender: 72% approved of 25One lender: 72% approved of 36First Technology Federal Credit Union: 90% approved of 126One lender: 95% approved of 39

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property improvement lenders in Oregon

LenderApprovalApprovedTaken upTypical loanLoans made
1Onpoint Community Credit Union58%263 / 45691%$75K239
2Oregon Community70%115 / 16498%$65K113
3U.S. Bank National Association10%14 / 140100%$255K14
4First Technology Federal Credit Union90%113 / 12688%$145K100
5Columbia Bank42%37 / 8995%$165K35

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 111 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment home improvement loan lenders in Oregon. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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