Applications / Mortgage Analytics / Lenders / Oregon / Forrit Credit Union
Clackamas, OR · Credit union · NCUA · $82.0 million assets · 13 loans in 2025
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13
loans originated, 2025
15
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Forrit Credit Union is a small Oregon lender that mostly makes home-improvement and other-purpose loans; it made 13 in 2025.
Home improvement and other purposes each made up 38.5% of its loans, refinances 15.4% and purchases 7.7%. All were conventional, with no government-backed lending. Its typical loan, $75,000, was smaller than the $115,000 at similar lenders, which are credit unions making between half and twice as many loans; small loans fit a book of home-improvement lending.
It made 57 loans in 2021 and 53 in 2022, then 24 in 2023, 18 in 2024 and 13 in 2025. Its loans fell 28% in 2025, against a 17% fall at similar lenders and 10% growth in the whole market. A book this small can swing with a handful of members' home projects, and the figures give no other reason for the fall.
It lent in three states and seven counties, with Oregon its main state, and has reported since 1990. Around Portland it ranks 445 of 566 lenders, with a share that rounds to 0.0%. With 13 loans, its rates and its shares of lending to poorer borrowers and neighborhoods rest on too few loans to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Forrit Credit Union took 15 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.5% · Other 38.5% · Refinance 15.4% · Purchase 7.7%
Conventional 100.0% · of 13 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 | 9 | 69.2% |
| Idaho | 1 | 7.7% |
| Washington | 1 | 7.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 6 |
| Bend | 1 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009OWTY7KVB18G12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 373898 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564103 | 1990–2016 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Forrit Credit Union's data.
Forrit Credit Union's data
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Forrit 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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