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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Multnomah County, Oregon

Fat Boy Data analyzed home improvement loan activity in Multnomah County, 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. 7,906 applications were decided by 131 lenders between 2023 and 2025.

Multnomah County at a glance

131Active lenders34 with 20+ decisions
73.1%Market approval rate5,777 of 7,906 decided
$65KTypical loanmedian lender, $10K brackets
90%Borrower take-up5,222 loans funded

How Multnomah County compares

Approval rate compared
Multnomah County73.1%Oregon73.7%All 616 counties62.7%
Typical loan compared
Multnomah County$65KOregon$75KAll 616 counties$75K

What the data shows

Onpoint Community Credit Union made the most home improvement loans in Multnomah County, OR, 2,388 of them.

That is 46% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

First Technology Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 209.

The typical home improvement loan here is $65K, 13% smaller than the Oregon typical of $75K.

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

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 33% approved of 119Spring Eq, LLC: 38% approved of 124Bank of America, National Association: 49% approved of 482Banner Bank: 51% approved of 82U.S. Bank National Association: 54% approved of 598Unitus Community Credit Union: 55% approved of 487Pentagon Federal Credit Union: 56% approved of 27KeyBank National Association: 56% approved of 84Embold Federal Credit Union: 57% approved of 23BMO Bank National Association: 59% approved of 29Columbia Community Credit Union: 59% approved of 61Third Federal Savings And Loan Association Of Cleveland: 59% approved of 44Navy Federal Credit Union: 61% approved of 67Fourleaf: 61% approved of 44Selco Community: 64% approved of 75Columbia Bank: 72% approved of 200IQ Credit Union: 72% approved of 79The Loan Store, Inc.: 73% approved of 26Boeing Employees Credit Union: 73% approved of 49Figure Lending LLC: 74% approved of 169Oregon Community: 76% approved of 100Peak Credit Union: 76% approved of 50Rivermark Community Credit Union: 78% approved of 360PNC Bank, National Association: 78% approved of 40HomeStreet Bank: 79% approved of 38Consolidated Federal Credit Union: 80% approved of 164Advantis Credit Union: 82% approved of 160Onpoint Community Credit Union: 83% approved of 3,218Nationstar Mortgage LLC: 84% approved of 31Pacific N W Federal Credit Union: 84% approved of 32JPMorgan Chase Bank, National Association: 85% approved of 20Oregonians Credit Union: 91% approved of 76First Technology Federal Credit Union: 96% approved of 209Coastal Community Bank: 98% approved of 137

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Multnomah County

LenderApprovalApprovedTaken upTypical loanLoans made
1Onpoint Community Credit Union83%2,663 / 3,21890%$65K2,388
2U.S. Bank National Association54%321 / 59895%$95K305
3Unitus Community Credit Union55%270 / 48791%$55K245
4Bank of America, National Association49%235 / 48299%$105K232
5Rivermark Community Credit Union78%279 / 360100%$75K278

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

Fat Boy found 126 more lenders.

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Other lending data for Multnomah County

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Nearby markets

All lending in Multnomah CountyCounty overviewHome improvement loans across OregonStatewideClackamas CountyNearby countyWashington CountyNearby county