Applications / Mortgage Analytics / Lenders / Oregon / Oregonians Credit Union
Milwaukie, OR · Credit union · NCUA · $339 million assets · 335 loans in 2025
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335
loans originated, 2025
470
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oregonians Credit Union hardly finances home purchases at all: home improvement and other loans made up most of its 335 loans in 2025.
Home improvement made up 44.8% of its loans and other purposes 42.1%; purchases were just 2.1%. All were conventional, and its typical loan, $95,000, was a little below the $105,000 at similar lenders (credit unions making between half and twice as many loans).
It made 80 loans in 2021, then 401 in 2022 and 434 in 2023. Its count fell 12% in 2025 while similar lenders grew 7%, yet it still made more loans than in any year from 2018 to 2021. What drove the 2022 jump, a new product or a change in what it reports, the figures cannot say.
Its typical rate was 5.50%, against 6.99% at similar lenders, among the lowest tenth. Only 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at peers.
Low- and moderate-income (LMI) borrowers took 28.8% of its loans, up from 20.2% in 2024 and near the middle of similar lenders. In Portland-Vancouver-Hillsboro, its largest market, it ranked 160 of 566 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oregonians Credit Union took 470 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.8% · Other 42.1% · Refinance 11.0% · Purchase 2.1%
Conventional 100.0% · of 335 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 | 201 | 60.0% |
| Washington | 7 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 166 |
| Bend | 15 |
| Salem | 10 |
| Eugene-Springfield | 6 |
| Albany | 1 |
| Seattle-Bellevue-Kent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E34W6TNRG7B624 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 542890 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560001 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 524760 | 2006–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568669 | 2017–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Oregonians Credit Union's data.
Oregonians Credit Union's data
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Oregonians 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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