Unitus Community Credit Union
Unitus Community Credit Union received 1,213 applications in 2025 and made 581 mortgages, in 64 counties across 11 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 1,060 decisions, 425 were denials — 40.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549001IK7UDPADKAG34 |
|---|---|
| Applications received | 1,213 |
| Mortgages made | 581 |
| Denied | 425 |
| Approved, not taken up | 54 |
| Withdrawn or incomplete | 153 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1035 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 | 110 | 6.500% | $360,000 | 14.4% |
| Refinancing | 22 | 6.250% | $370,000 | 32.4% |
| Cash-out refinancing | 42 | 6.813% | $145,000 | 29.5% |
| Other purposes | 407 | 7.250% | $75,000 | 45.5% |
Where Unitus 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 | 145 | 7.250% | 45.3% |
| Washington County, OR | 123 | 7.250% | 29.5% |
| Clackamas County, OR | 107 | 7.250% | 37.4% |
| Clark County, WA | 54 | 7.250% | 39.2% |
| Marion County, OR | 49 | 7.250% | 50.0% |
| Yamhill County, OR | 13 | 7.000% | 11.8% |
| Deschutes County, OR | 11 | 7.250% | 33.3% |
| Columbia County, OR | 8 | Under 10 loans | 27.3% |
| Linn County, OR | 7 | Under 10 loans | 36.4% |
| Lane County, OR | 6 | Under 10 loans | 40.0% |
| Benton County, OR | 5 | Under 10 loans | 14.3% |
| Polk County, OR | 5 | Under 10 loans | 57.1% |
| Clatsop County, OR | 4 | Under 10 loans | 20.0% |
| Tillamook County, OR | 4 | Under 10 loans | 20.0% |
| Cowlitz County, WA | 4 | Under 10 loans | 50.0% |
| Lewis County, WA | 3 | Under 10 loans | 25.0% |
| Pierce County, WA | 3 | Under 10 loans | 0.0% |
| Mohave County, AZ | 2 | Under 10 loans | 0.0% |
| Jackson County, OR | 2 | Under 10 loans | 25.0% |
| King County, WA | 2 | Under 10 loans | 0.0% |
| Pacific County, WA | 2 | Under 10 loans | 33.3% |
| Skamania County, WA | 2 | Under 10 loans | 33.3% |
| Thurston County, WA | 2 | Under 10 loans | 33.3% |
| Walla Walla County, WA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 50.0% |
| Riverside County, CA | 1 | Under 10 loans | 50.0% |
| San Diego County, CA | 1 | Under 10 loans | 50.0% |
| Minidoka County, ID | 1 | Under 10 loans | 0.0% |
| Coos County, OR | 1 | Under 10 loans | 0.0% |
| Crook County, OR | 1 | Under 10 loans | 0.0% |
| Gilliam County, OR | 1 | Under 10 loans | 50.0% |
| Grant County, OR | 1 | Under 10 loans | 0.0% |
| Jefferson County, OR | 1 | Under 10 loans | 0.0% |
| Union County, OR | 1 | Under 10 loans | 0.0% |
| Wallowa County, OR | 1 | Under 10 loans | 0.0% |
| Wasco County, OR | 1 | Under 10 loans | 50.0% |
| Klickitat County, WA | 1 | Under 10 loans | 0.0% |
| Snohomish County, WA | 1 | Under 10 loans | 50.0% |
| Spokane County, WA | 1 | Under 10 loans | 75.0% |
| Yakima County, WA | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 0 | Under 10 loans | 100.0% |
| Lake County, CA | 0 | Under 10 loans | Not published |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| Sumter County, FL | 0 | Under 10 loans | 100.0% |
| Ada County, ID | 0 | Under 10 loans | 100.0% |
| Kootenai County, ID | 0 | Under 10 loans | 100.0% |
| Hancock County, IA | 0 | Under 10 loans | 100.0% |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Lyon County, NV | 0 | Under 10 loans | 100.0% |
| New York County, NY | 0 | Under 10 loans | 100.0% |
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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.