Applications / Mortgage Analytics / Lenders / Oregon / Oregon State Credit Union
Corvallis, OR · Credit union · NCUA · $2.7 billion assets · 838 loans in 2025
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838
loans originated, 2025
1,302
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oregon State Credit Union is the second-largest mortgage lender in Corvallis, mostly making home-improvement and other-purpose loans, and its lending grew 19% in 2025, faster than most similar lenders.
It ranks 2 of 158 lenders in Corvallis, behind PNC Bank, with 8.7% of lending, up from 8.4%. In Albany it ranks 7 of 216 and its share rose 0.8 points, from 2.3% to 3.1%. In Salem it holds 1.2%, unchanged, ranking 26 of 325.
Home improvement made up 40.7% of its loans and other purposes 31.4%; home purchases were 18.4% and refinances 9.5%. All were conventional. Manufactured homes were 4.3% of its loans, higher than nearly nine in ten credit unions making between half and twice as many loans, whose share is 0.3%.
It made 838 loans in 2025, up 19% from 706, against 8% for similar lenders and 10% for the whole market, and its dollar volume rose from $127.7 million to $164.4 million. Its yearly count has risen from 373 in 2018, with dips in 2021 and 2023.
It turned down 7.3% of first-lien home-purchase applications, against 6.2% for similar lenders, near the middle of them. 25.7% of its loans went to low- and moderate-income (LMI) borrowers, also near the middle, up from 17.9% five years earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Credit Union took 1,302 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.7% · Other 31.4% · Purchase 18.4% · Refinance 9.5%
Conventional 100.0% · of 838 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 | 831 | 99.2% |
| Washington | 6 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corvallis | 245 |
| Salem | 223 |
| Albany | 161 |
| Portland-Vancouver-Hillsboro | 70 |
| Eugene-Springfield | 21 |
| Bend | 18 |
| Medford | 3 |
| Everett | 1 |
| Grants Pass | 1 |
| Olympia-Lacey-Tumwater | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Z8J5L9POS71X51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 942481 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59436 | 2000–2015 |
| Respondent ID (the HMDA filer code before 2018) | 568656 | 2014–2017 |
Established 1 January 1954. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Oregon State Credit Union's data.
Oregon State Credit Union's data
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Oregon State 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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