Applications / Mortgage Analytics / Lenders / Oregon / Pacific Cascade Federal Credit Union
Eugene, OR · Credit union · NCUA · $137 million assets · 10 loans in 2025
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10
loans originated, 2025
12
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacific Cascade Federal Credit Union, a Eugene lender that has reported since 1990, made ten home loans in 2025, about a quarter of its lending in 2018.
It made 42 loans in 2018 and 50 in 2019, then 29 in 2022, 14 in 2023, 12 in 2024 and 10 in 2025. A fall from 12 loans to 10 is too small to read much into; similar lenders, credit unions making between half and twice as many loans, also made fewer.
All its lending is in one county, in the Eugene-Springfield metro, where it has lent since 1990. Its share held at 0.1%, placing it 139 of 300 lenders. The market is led by United Wholesale Mortgage, Summit Funding and Oregon Community Credit Union.
With ten loans, its shares of loan purposes, neighborhoods or loan sizes rest on too few loans to set against its 82 peers. All of them were conventional, and none was higher-priced (a rate well above the average for similar loans). A lender this small can look very different from one year to the next on the strength of a handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Cascade Federal Credit Union took 12 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 60.0% · Purchase 20.0% · Refinance 20.0%
Conventional 100.0% · of 10 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 | 10 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eugene-Springfield | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GNC55MZTGKJ811 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4389 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514545 | 1990–2017 |
Established 1 January 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pacific Cascade Federal Credit Union's data.
Pacific Cascade Federal Credit Union's data
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Pacific Cascade 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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