Applications / Mortgage Analytics / Lenders / Oregon / Point West Credit Union
Portland, OR · Credit union · NCUA · $100 million assets · 17 loans in 2025
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17
loans originated, 2025
27
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Point West Credit Union, a Portland credit union that has reported its lending since 1991, made only 17 loans in 2025, less than half its 2024 total.
Its loans fell 54%, to 17 from 37. The typical similar lender, meaning credit unions making between half and twice as many loans, fell 10%, while the whole market grew 10%. With so few loans, a handful either way moves the count. It filed no report for 2021 or 2022, a gap in the record rather than years without lending.
Most of its loans were neither purchases nor refinances. Other purposes made up 41.2% and home improvement 23.5%, with purchases and refinances 17.6% each. All were conventional and small, typically $85,000.
Its 17 loans are too few to compare the borrowers and neighborhoods it serves with those of its 200 similar lenders. It lends in five counties across two states. In Portland it ranked 370 of 566 lenders and in Eugene 285 of 300.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Point West Credit Union took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.2% · Home improvement 23.5% · Purchase 17.6% · Refinance 17.6%
Conventional 100.0% · of 17 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 | 15 | 88.2% |
| Washington | 2 | 11.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 16 |
| Eugene-Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490045AQF6IJKP4394 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 52492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563971 | 1991–2015 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Point West Credit Union's data.
Point West Credit Union's data
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Point West 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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