Applications / Mortgage Analytics / Lenders / Oregon / Mid Oregon Federal Credit Union
Bend, OR · Credit union · NCUA · $851 million assets · 555 loans in 2025
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555
loans originated, 2025
808
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid Oregon Federal Credit Union is an Oregon credit union lending almost entirely for home improvement and other purposes, with far more manufactured-home loans than similar lenders, and its 555 loans in 2025 were 11% fewer than in 2024.
Other purposes made up 51.0% of its loans and home improvement 43.6%; purchases and refinances were small. Manufactured homes took 18.0% of its loans, against 0.3% at similar lenders (credit unions making between half and twice as many loans), more than nearly all of them.
Higher-priced loans (a rate well above the average for similar loans) were 5.1% of its lending, against 1.7% at peers; its typical rate was 7.99% against 7.00%. Its mix could account for most of that: manufactured homes and home-improvement and other-purpose loans are often priced higher than first mortgages.
LMI (low- and moderate-income) borrowers took 36.8% of its loans, against 27.3% at peers, more than about four in five of them. LMI areas took 19.4%, against 15.1%; five years before, 18.3% and 7.0%.
Originations fell 11% while similar lenders grew 6% and the whole market 10%. In Bend, its largest market, it ranked 13 of 344 lenders with 2.3%, down 1.1 points; with purchases only 2.3% of its lending, its share may move with home-improvement demand rather than the purchase market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid Oregon Federal Credit Union took 808 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 51.0% · Home improvement 43.6% · Refinance 3.1% · Purchase 2.3%
Conventional 100.0% · of 555 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 | 551 | 99.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bend | 512 |
| Albany | 2 |
| Eugene-Springfield | 2 |
| Salem | 2 |
| Portland-Vancouver-Hillsboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TEGBOIDI6Z5J56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 106685 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512084 | 2006–2017 |
Established 1 January 1957. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Mid Oregon Federal Credit Union's data.
Mid Oregon Federal Credit Union's data
$215
Mid Oregon Federal 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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