Oregon State Credit Union
Oregon State Credit Union received 1,302 applications in 2025 and made 838 mortgages, in 33 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,048 decisions, 150 were denials — 14.3%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900Z8J5L9POS71X51 |
|---|---|
| Applications received | 1,302 |
| Mortgages made | 838 |
| Denied | 150 |
| Approved, not taken up | 60 |
| Withdrawn or incomplete | 254 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 7.502 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 | 154 | 6.500% | $395,000 | 8.8% |
| Refinancing | 18 | 6.438% | $250,000 | 20.8% |
| Cash-out refinancing | 62 | 7.563% | $110,000 | 21.7% |
| Other purposes | 604 | 7.500% | $85,000 | 14.8% |
Where Oregon State Credit Union lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Benton County, OR | 245 | 7.500% | 7.7% |
| Linn County, OR | 161 | 7.500% | 12.0% |
| Polk County, OR | 129 | 7.500% | 11.0% |
| Marion County, OR | 94 | 7.500% | 24.2% |
| Lincoln County, OR | 69 | 7.500% | 17.2% |
| Yamhill County, OR | 25 | 7.500% | 21.9% |
| Lane County, OR | 21 | 7.500% | 16.7% |
| Deschutes County, OR | 17 | 7.000% | 0.0% |
| Washington County, OR | 17 | 7.250% | 13.6% |
| Clackamas County, OR | 16 | 7.250% | 32.0% |
| Multnomah County, OR | 9 | Under 10 loans | 23.5% |
| Coos County, OR | 6 | Under 10 loans | 33.3% |
| Tillamook County, OR | 5 | Under 10 loans | 16.7% |
| Douglas County, OR | 3 | Under 10 loans | 20.0% |
| Jackson County, OR | 3 | Under 10 loans | 25.0% |
| Clatsop County, OR | 2 | Under 10 loans | 0.0% |
| Klamath County, OR | 2 | Under 10 loans | 0.0% |
| Umatilla County, OR | 2 | Under 10 loans | 33.3% |
| Clark County, WA | 2 | Under 10 loans | 33.3% |
| Columbia County, OR | 1 | Under 10 loans | 0.0% |
| Hood River County, OR | 1 | Under 10 loans | 0.0% |
| Jefferson County, OR | 1 | Under 10 loans | 0.0% |
| Josephine County, OR | 1 | Under 10 loans | 50.0% |
| Wasco County, OR | 1 | Under 10 loans | 0.0% |
| Pacific County, WA | 1 | Under 10 loans | 0.0% |
| Pend Oreille County, WA | 1 | Under 10 loans | 0.0% |
| Snohomish County, WA | 1 | Under 10 loans | 0.0% |
| Thurston County, WA | 1 | Under 10 loans | 0.0% |
| Crook County, OR | 0 | Under 10 loans | 100.0% |
| Malheur County, OR | 0 | Under 10 loans | 100.0% |
| Wallowa County, OR | 0 | Under 10 loans | 100.0% |
| King County, WA | 0 | Under 10 loans | Not published |
| Mason County, WA | 0 | Under 10 loans | Not published |
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When Oregon State Credit Union’s figures are published for the next year, or restated.
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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.