Applications / Mortgage Analytics / Lenders / Oregon / Unitus Community Credit Union
Tigard, OR · Credit union · NCUA · $1.7 billion assets · 581 loans in 2025
Unitus Community Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
581
loans originated, 2025
1,213
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unitus Community Credit Union is an Oregon credit union for which home-improvement loans are half of all lending, with volume steady for three years.
Home improvement made up 49.7% of its loans, other purposes 20.3%, purchases 18.9% and refinances 11.0%. Its typical loan was $105,000, the same as for similar lenders (credit unions making between half and twice as many loans). All its loans were conventional.
Originations were 581, against 579 in 2024 and 567 in 2023, while the typical peer grew 6% and the whole market 10%. Its volume was far higher earlier, peaking at 1,995 in 2020, when its typical loan was $215,000 and its typical rate 3.38%. Higher rates since then, and a mix that has moved toward smaller home-improvement loans, may account for much of the fall.
19.1% of its loans were in low- and moderate-income (LMI) tracts, against 15.1% for peers, higher than about three in four of them. Its share to LMI borrowers, 26.1%, was near the middle. It turned down 3.5% of first-lien home-purchase applications, against 6.6% for peers, lower than about three in four.
In Portland-Vancouver-Hillsboro it ranks 55 of 566 lenders with 0.4% of the dollars, down from 0.5%, in a market led by United Wholesale Mortgage and OnPoint Community Credit Union. In Salem its share fell from 0.4% to 0.2%. One possible reason is a mix weighted to smaller home-improvement loans; its shares rose a little in Bend and Eugene-Springfield.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Unitus Community Credit Union took 1,213 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 49.7% · Other 20.3% · Purchase 18.9% · Refinance 11.0%
Conventional 100.0% · of 581 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 | 497 | 85.5% |
| Washington | 78 | 13.4% |
| Arizona | 3 | 0.5% |
| California | 2 | 0.3% |
| Idaho | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 452 |
| Salem | 54 |
| Bend | 13 |
| Albany | 7 |
| Eugene-Springfield | 6 |
| Corvallis | 5 |
| Longview-Kelso | 4 |
| Tacoma-Lakewood | 3 |
| Lake Havasu City-Kingman | 2 |
| Medford | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001IK7UDPADKAG34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 219594 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563440 | 1991–2017 |
Established 1 January 1937. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Unitus Community Credit Union's data.
Unitus Community Credit Union's data
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Unitus 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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