Applications / Mortgage Analytics / Lenders / Oregon / First Community Credit Union
Coquille, OR · Credit union · NCUA · $1.7 billion assets · 1,201 loans in 2025
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1,201
loans originated, 2025
2,078
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Credit Union is an Oregon credit union that grew 18% to 1,201 originations, twice the pace of similar lenders, and ranked 7 of 168 lenders in Grants Pass with a 4.0% share.
Originations rose 18% from 1,014, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose to $262.9 million, and its typical loan to $155,000 from $105,000. Its record is uneven: 252 loans in 2022, against 676 in 2021.
It held 4.0% of Grants Pass, unchanged. In Medford its share rose 0.2 points to 1.5%, ranking 16 of 230, behind Rogue Credit Union and Guild Mortgage Company; in Bend it rose 0.1 points to 1.2%, ranking 25 of 344. It ranked 10 of 397 in non-metro Oregon.
Manufactured homes were 6.9% of its loans, against 0.4% at similar lenders, higher than about nine in ten peers. Even so, none of its loans was higher-priced (a rate well above the average for similar loans), against 1.5% at peers, and its typical rate, 5.50%, was lower than about nine in ten peers' 7.00%. Its refinance denial rate, 19.3%, was close to peers' 21.0%.
LMI (low- and moderate-income) borrowers took 21.8% of its loans, against 27.7%, and majority-minority areas 3.8%, against 10.2%, both lower than about three in four peers. One possible reason is its markets: much of its lending is in non-metro Oregon and smaller Oregon metros.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Credit Union took 2,078 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.1% · Home improvement 26.7% · Purchase 19.7% · Other 16.5%
Conventional 100.0% · of 1,201 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 | 1,177 | 98.0% |
| Washington | 13 | 1.1% |
| Arizona | 6 | 0.5% |
| Idaho | 2 | 0.2% |
| California | 1 | 0.1% |
| Montana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 228 |
| Bend | 105 |
| Medford | 104 |
| Grants Pass | 100 |
| Eugene-Springfield | 73 |
| Salem | 59 |
| Albany | 6 |
| Phoenix-Mesa-Chandler | 6 |
| Walla Walla | 2 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L44U62O7WHRR78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 837484 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511504 | 2004–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568530 | 2008–2017 |
Established 1 January 1957. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Community Credit Union's data.
First Community Credit Union's data
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First 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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