Applications / Mortgage Analytics / Lenders / Oregon / Pacific NW Federal Credit Union
Portland, OR · Credit union · NCUA · $313 million assets · 60 loans in 2025
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60
loans originated, 2025
98
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacific NW Federal Credit Union, a small Oregon lender, made 60 loans in 2025, a fraction of the 513 it made in 2020, and leans unusually toward manufactured homes.
Its loans fell 13% in 2025, from 69, while similar lenders (credit unions making between half and twice as many loans) grew by 7% and the whole market by 10%. That left it slower than about three in four of them. The longer slide is steeper still: 513 loans in 2020, 153 in 2022. Its typical rate in 2020 was 2.88%, and credit that cheap may account for much of that peak.
Manufactured homes made up 11.7% of its loans, where the typical similar lender made none; that put it above about nine in ten of them. Its lending is otherwise spread: purchases were 33.3% of loans and home improvement 31.7%.
Every loan was conventional, with none backed by the government. None was higher-priced (a rate well above the average for similar loans), against 3.2% at similar lenders. Its typical rate, 6.94%, sat close to their 6.75%.
It has lent in Portland-Vancouver-Hillsboro since 1992 but ranked 266 of 566 lenders there in 2025. United Wholesale Mortgage and OnPoint Community Credit Union led the market. It lends in 18 counties across two states, and in most of its markets its share rounds to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pacific NW Federal Credit Union took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Home improvement 31.7% · Other 20.0% · Refinance 15.0%
Conventional 100.0% · of 60 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 | 42 | 70.0% |
| Washington | 18 | 30.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 32 |
| Bremerton-Silverdale-Port Orchard | 1 |
| Longview-Kelso | 1 |
| Salem | 1 |
| Spokane-Spokane Valley | 1 |
| Wenatchee-East Wenatchee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HD4RROQDXNWI45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 97176 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54878 | 1992–2017 |
Established 1 January 1942. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Pacific NW Federal Credit Union's data.
Pacific NW Federal Credit Union's data
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Pacific NW 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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