Applications / Mortgage Analytics / Lenders / Oregon / Central Willamette Credit Union
Albany, OR · Credit union · NCUA · $611 million assets · 59 loans in 2025
Central Willamette Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
139
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Willamette Credit Union made fewer loans in 2025 but lent more money, as its typical loan almost doubled.
Its originations fell 20% to 59, while similar lenders (credit unions making between half and twice as many loans) typically grew 7%. Yet it lent $13.4 million, up from $9.9 million, because its typical loan rose to $135,000 from $75,000. That put its total above the $8.4 million at its peers.
Loans for other purposes made up 39.0% of its lending and home improvement 11.9%; purchases took 33.9%. Its typical rate, 7.67%, was higher than at about nine in ten similar lenders, whose typical rate was 6.75%. Its mix is one plausible reason: such loans often carry higher rates than a first mortgage for a purchase.
It has lent in Albany, OR since 1994 and ranks 48 of 216 lenders there. Its share fell to 0.5% from 0.8%, which may simply follow from making fewer loans. Low- and moderate-income neighborhoods took 20.3% of its loans, more than at about three in five similar 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Willamette Credit Union took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.0% · Purchase 33.9% · Refinance 15.3% · Home improvement 11.9%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany | 21 |
| Salem | 14 |
| Eugene-Springfield | 6 |
| Portland-Vancouver-Hillsboro | 6 |
| Corvallis | 5 |
| Bend | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CPJH6JMU13EQ37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 833598 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562665 | 1992–2017 |
Established 1 January 1955. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Central Willamette Credit Union's data.
Central Willamette Credit Union's data
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Central Willamette 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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