Applications / Mortgage Analytics / Lenders / Oregon / Selco Community Credit Union
Springfield, OR · Credit union · NCUA · $2.9 billion assets · 1,184 loans in 2025
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1,184
loans originated, 2025
2,069
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Selco Community Credit Union, an Oregon credit union making small home-improvement and other-purpose loans, ranked 7 of 300 lenders in Eugene-Springfield in 2025, though its share there slipped.
Home improvement was 41.1% of its loans, other purposes 31.9%, purchases 15.3% and refinances 11.7%. Its typical loan, $75,000, was smaller than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Originations fell 3% to 1,184, while similar lenders grew 9%; its change was lower than about four in five of them. Volume is below the 1,599 of 2022 but above the 1,146 of five years before, and its dollar total rose to $180.6 million from $159.2 million.
Its Eugene-Springfield share fell 0.7 points to 3.4%, behind United Wholesale Mortgage, Summit Funding and Oregon Community Credit Union among others. In Bend its share fell to 1.5% from 1.8%, ranking 18 of 344, while in Salem it rose to 0.5%. Fewer loans in 2025 and small loans that weigh little in dollar shares are possible reasons.
Majority-minority areas took 1.4% of its loans, against 10.2% at similar lenders, lower than nearly nine in ten of them; the Oregon markets it serves are a possible reason. Its share in LMI (low- and moderate-income) areas, 15.3%, was close to peers' 15.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Selco Community Credit Union took 2,069 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.1% · Other 31.9% · Purchase 15.3% · Refinance 11.7%
Conventional 100.0% · of 1,184 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 | 1,167 | 98.6% |
| Washington | 16 | 1.4% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eugene-Springfield | 589 |
| Bend | 334 |
| Portland-Vancouver-Hillsboro | 86 |
| Salem | 66 |
| Albany | 45 |
| Corvallis | 12 |
| Medford | 6 |
| Seattle-Bellevue-Kent | 4 |
| Tacoma-Lakewood | 3 |
| Everett | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003WLEYGXGNTI654 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 423092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563196 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Selco Community Credit Union's data.
Selco Community Credit Union's data
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Selco 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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