Applications / Mortgage Analytics / Lenders / Oregon / InRoads Federal Credit Union
Saint Helens, OR · Credit union · NCUA · $330 million assets · 48 loans in 2025
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48
loans originated, 2025
59
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
InRoads Federal Credit Union, of Saint Helens, Oregon, makes fewer loans than it did before 2020, though its loans are larger than those of similar credit unions.
It made 48 loans in 2025, down 19%, while similar lenders (credit unions making between half and twice as many loans) grew 5%. Much of the longer fall is from an unusual year: it made 113 loans in 2019, then 281 in 2020. The count fell to 60 in 2022 and has drifted down since.
Its typical loan was $165,000, against $90,000 at similar lenders, higher than at four in five of them. Refinancing took 56.3% of its loans and purchases 35.4%, with little home-improvement or other lending, which may help keep its loans larger.
Low- and moderate-income borrowers took 38.6% of its loans, more than at seven in ten similar lenders. Its higher-priced share (a rate well above the average for similar loans) was 2.3%, near the middle of its peers.
It ranks 200 of 566 lenders in the Portland metro, where its share slipped from 0.1% to less than that, in line with its smaller volume. In 2025 it made its first loans in Lake Havasu City-Kingman, Arizona.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. InRoads Federal Credit Union took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.3% · Purchase 35.4% · Other 6.3% · Home improvement 2.1%
Conventional 100.0% · of 48 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 | 45 | 93.8% |
| Washington | 2 | 4.2% |
| Arizona | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 46 |
| Lake Havasu City-Kingman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002Q15QUDX4RGW52 | 2018–2018 |
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002QI5QUDX4RGW52 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 701370 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52730 | 1994–2017 |
Established 1 January 1938. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: InRoads Federal Credit Union's data.
InRoads Federal Credit Union's data
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InRoads 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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