Applications / Mortgage Analytics / Lenders / Oregon / Oregon Community Credit Union
Eugene, OR · Credit union · NCUA · $3.4 billion assets · 1,633 loans in 2025
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1,633
loans originated, 2025
2,300
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oregon Community Credit Union is a home-improvement and refinance lender that ranked third in Eugene-Springfield, where its share rose, as its originations grew 19% in 2025.
It ranked 3 of 300 lenders in Eugene-Springfield, its market since 1992, behind United Wholesale Mortgage and Summit Funding, and its share rose 0.8 points to 6.1%. Its shares held steady in Salem, at 1.0%, and in Bend, at 0.3%; it entered Bellingham, Walla Walla and Wenatchee-East Wenatchee in 2025.
Its 1,633 originations rose 19% from 1,375, faster than about three-quarters of similar lenders (credit unions making between half and twice as many loans), which grew 9%; the whole market grew 10%. They remain about half the 3,254 of 2020.
Home improvement was 37.4% of its loans, refinances 27.4% and home purchases only 15.4%. Its typical loan was $105,000, against $115,000 at peers and $205,000 five years before. All its loans were conventional, and manufactured homes were 5.2%, against 0.4% at peers.
LMI (low- and moderate-income) borrowers took 28.8% of its loans, up from 22.4% the year before and 18.5% five years before; peers were at 26.9%. LMI areas took 17.8%, against 14.9%, a higher share than at about three-quarters of peers. Majority-minority areas took 2.2%, against 11.1%; the make-up of the Oregon markets it mainly serves is one possible reason.
Questions the data can answer next
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oregon Community Credit Union took 2,300 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.4% · Refinance 27.4% · Other 19.8% · Purchase 15.4%
Conventional 100.0% · of 1,633 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
| State | Loans | Share |
|---|---|---|
| Oregon | 1,593 | 97.6% |
| Washington | 40 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eugene-Springfield | 969 |
| Salem | 210 |
| Portland-Vancouver-Hillsboro | 190 |
| Bend | 59 |
| Albany | 55 |
| Corvallis | 33 |
| Seattle-Bellevue-Kent | 7 |
| Tacoma-Lakewood | 6 |
| Grants Pass | 5 |
| Medford | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IEP77RKJ87Z176 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 603483 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565856 | 1992–2017 |
Established 1 January 1981. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Oregon Community Credit Union's data.
Oregon Community Credit Union's data
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Oregon Community Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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