ONPOINT COMMUNITY CREDIT UNION
ONPOINT COMMUNITY CREDIT UNION received 11,687 applications in 2025 and made 8,178 mortgages, in 64 counties across 5 states. The median rate its borrowers got was 7.500% on a median loan of $125,000. Of 10,604 decisions, 1,855 were denials — 17.5%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549008LK3474E9U2888 |
|---|---|
| Applications received | 11,687 |
| Mortgages made | 8,178 |
| Denied | 1,855 |
| Approved, not taken up | 571 |
| Withdrawn or incomplete | 1,083 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.22 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 2,143 | 6.500% | $395,000 | 7.9% |
| Refinancing | 1,988 | 7.500% | $135,000 | 14.8% |
| Cash-out refinancing | 217 | 6.500% | $315,000 | 16.1% |
| Other purposes | 3,830 | 7.500% | $75,000 | 22.9% |
Where ONPOINT COMMUNITY CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Multnomah County, OR | 2,559 | 7.500% | 17.0% |
| Washington County, OR | 1,578 | 7.500% | 15.5% |
| Clackamas County, OR | 1,519 | 7.500% | 16.5% |
| Clark County, WA | 561 | 7.500% | 18.4% |
| Deschutes County, OR | 466 | 7.500% | 20.3% |
| Yamhill County, OR | 334 | 7.500% | 17.3% |
| Marion County, OR | 294 | 7.500% | 20.0% |
| Lane County, OR | 225 | 7.500% | 19.4% |
| Columbia County, OR | 103 | 7.500% | 18.0% |
| Polk County, OR | 64 | 7.500% | 15.5% |
| Linn County, OR | 50 | 7.500% | 28.1% |
| Lincoln County, OR | 43 | 7.250% | 11.1% |
| Tillamook County, OR | 42 | 7.438% | 10.0% |
| Crook County, OR | 38 | 7.500% | 16.7% |
| Benton County, OR | 35 | 6.625% | 17.7% |
| Jackson County, OR | 35 | 7.500% | 30.0% |
| Jefferson County, OR | 34 | 7.500% | 17.1% |
| Cowlitz County, WA | 24 | 7.250% | 15.6% |
| Clatsop County, OR | 20 | 7.500% | 17.9% |
| Klamath County, OR | 16 | 7.500% | 37.0% |
| Hood River County, OR | 13 | 7.500% | 23.5% |
| Skamania County, WA | 13 | 7.500% | 13.3% |
| Coos County, OR | 12 | 7.500% | 13.3% |
| Douglas County, OR | 12 | 7.063% | 40.0% |
| Wasco County, OR | 8 | Under 10 loans | 43.8% |
| Umatilla County, OR | 7 | Under 10 loans | 12.5% |
| Klickitat County, WA | 7 | Under 10 loans | 22.2% |
| Pacific County, WA | 7 | Under 10 loans | 30.0% |
| Josephine County, OR | 6 | Under 10 loans | 33.3% |
| Wallowa County, OR | 5 | Under 10 loans | 0.0% |
| Lewis County, WA | 5 | Under 10 loans | 16.7% |
| Baker County, OR | 4 | Under 10 loans | 28.6% |
| Jefferson County, WA | 4 | Under 10 loans | 20.0% |
| King County, WA | 4 | Under 10 loans | 60.0% |
| Curry County, OR | 3 | Under 10 loans | 25.0% |
| Benton County, WA | 3 | Under 10 loans | 40.0% |
| Pierce County, WA | 3 | Under 10 loans | 42.9% |
| Thurston County, WA | 3 | Under 10 loans | 33.3% |
| Grant County, OR | 2 | Under 10 loans | 0.0% |
| Union County, OR | 2 | Under 10 loans | 0.0% |
| Snohomish County, WA | 2 | Under 10 loans | 33.3% |
| Gilliam County, OR | 1 | Under 10 loans | 0.0% |
| Harney County, OR | 1 | Under 10 loans | 50.0% |
| Malheur County, OR | 1 | Under 10 loans | 50.0% |
| Morrow County, OR | 1 | Under 10 loans | 0.0% |
| Sherman County, OR | 1 | Under 10 loans | 0.0% |
| Wheeler County, OR | 1 | Under 10 loans | 50.0% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 0.0% |
| Mason County, WA | 1 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.