Applications / Mortgage Analytics / Lenders / Oregon / Heritage Grove Federal Credit Union
Salem, OR · Credit union · NCUA · $164 million assets · 42 loans in 2025
Heritage Grove Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
52
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Grove Federal Credit Union, of Salem, Oregon, lends mainly for home improvement and other purposes rather than for buying homes, and its loans rose by 35% in 2025.
Only 16.7% of its loans financed a home purchase and 4.8% a refinance. Home improvement took 35.7% and other purposes 42.9%. Its typical loan was $85,000, a little below the $95,000 at similar credit unions (those making between half and twice as many loans).
Its loans rose from 31 to 42, an increase of 35% against 3% at the typical peer, faster than about four in five of them. That is still well below the 148 it made in 2018. Its share of the Salem market rose from 0.1% to 0.2%, putting it 106th of 325 lenders; it has lent there since 1991.
Some 21.4% of its loans went to low- and moderate-income borrowers, against 31.4% at similar credit unions, lower than about three-quarters of them. Home improvement and other loans go to people who already own a home, which may tilt its borrowers toward higher incomes. On 42 loans the share is also easily moved. None of its loans was higher-priced, against 3.0% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Grove Federal Credit Union took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 42.9% · Home improvement 35.7% · Purchase 16.7% · Refinance 4.8%
Conventional 100.0% · of 42 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salem | 34 |
| Portland-Vancouver-Hillsboro | 4 |
| Albany | 3 |
| Eugene-Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GL7DLQR39MW179 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 100683 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516113 | 1991–2017 |
Established 1 January 1964. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Heritage Grove Federal Credit Union's data.
Heritage Grove Federal Credit Union's data
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Heritage Grove 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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