Home improvement leads the mix
Home improvement made up 32.3% of its loans, ahead of refinancing at 27.0% and purchases at 26.2%. Its typical loan has fallen to $125,000 from $255,000 five years before, matching the typical peer.
Applications / Mortgage Analytics / Lenders / Oregon / OnPoint Community Credit Union
OnPoint Community Credit Union
Portland, OR · Credit union · NCUA · $9.5 billion assets · 8,178 loans in 2025
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8,178
loans originated, 2025
11,687
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OnPoint Community Credit Union grew 14% in 2025, faster than the typical similar lender (credit unions making between half and twice as many loans) at 9% and the whole market at 10%, with home improvement its largest line at 32.3% of loans.
More lending in low- and moderate-income areas
Loans in low- and moderate-income (LMI) areas were 19.2% of its total, higher than about nine in ten similar lenders, against 14.2% for the typical peer. Its share to LMI borrowers, 25.6%, was near the middle. Majority-minority areas took 6.4% against 9.4%, lower than about three-quarters of peers, which may reflect the makeup of its Oregon markets.
A higher typical rate, but few higher-priced loans
Its typical rate was 7.50% against 6.75% for the typical peer, higher than more than eight in ten similar lenders. Yet higher-priced loans, at a rate well above the average for similar loans, were only 0.2%. Its large share of home improvement loans, which can carry different terms from purchase loans, may account for the gap.
Holding third place in Portland, with few denials
It ranks 3 of 566 in Portland with 6.3%, nearly unchanged, and gained share in Salem, to 2.7%, and Eugene, to 1.9%. It turned down 2.3% of first-lien home-purchase applications on owner-occupied homes, lower than more than eight in ten peers, and 9.9% of refinance applications, among the lowest tenth.
Questions the data can answer next
- How do its rates on home improvement loans compare with other Oregon credit unions'?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
8,178 loans in 2025, against a peak of 11,971 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OnPoint Community Credit Union took 11,687 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
32.3% of its 2025 loans were home improvement loans; 98.5% were Conventional.
Home improvement 32.3% · Refinance 27.0% · Purchase 26.2% · Other 14.5%
Conventional 98.5% · FHA 1.2% · VA 0.3% · of 8,178 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 15 metros, 54 counties
| State | Loans | Share |
|---|---|---|
| Oregon | 7,535 | 92.1% |
| Washington | 643 | 7.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 6,667 |
| Bend | 538 |
| Salem | 358 |
| Eugene-Springfield | 225 |
| Albany | 50 |
| Corvallis | 35 |
| Medford | 35 |
| Longview-Kelso | 24 |
| Grants Pass | 6 |
| Seattle-Bellevue-Kent | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008LK3474E9U2888 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 852393 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562745 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: OnPoint Community Credit Union's data.
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