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OnPoint Community Credit Union

Portland, OR

OnPoint Community Credit Union processed 10,400 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 7,152 loans with a 17.4% denial rate. Home Improvement was the primary loan purpose. Based in Portland, OR. The approval rate of 68.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. OnPoint Community Credit Union's 68.8% origination rate tells you how often an application turned into funded money; the 17.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (10,193 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

10,400
Applications
7,152
Originated
17.4%
Denial Rate
$206,435
Avg Loan Amount
Avg Interest Rate: 8.000% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 10,193 7,015 1,791 $201,998
FHA 171 115 14 $429,152
VA 36 22 2 $404,722

Top loan types - OnPoint Community Credit Union

Top loan types - OnPoint Community Credit Union Horizontal bar chart of the top 3 items by value (applications). Top loan types - OnPoint Community Credit Union Top 3 1. Conventional 10,193 2. FHA 171 3. VA 36 Top 5 loan types by application volume at OnPoint Community Credit Union (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for OnPoint Community Credit Union (LEI: 2549008LK3474E9U2888) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
941
Credit history
751
Other
615
Collateral
438
Unverifiable information
159
Employment history
35
Credit application incomplete
3
Insufficient cash
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 3,626 2,523 $121,663
Home Purchase 2,634 1,884 $395,497
Refinancing 2,030 1,451 $198,453
Other 1,856 1,131 $93,637
Cash-out Refinancing 254 163 $344,016

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 7,903 70.5% 16.5%
Asian 765 58.8% 22.1%
Joint 452 74.8% 13.7%
Black or African American 308 57.1% 27.6%
American Indian or Alaska Native 84 60.7% 28.6%
Native Hawaiian or Other Pacific Islander * 49 61.2% 28.6%
2 or more minority races * 22 40.9% 36.4%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 8,514 69.9% 16.5%
Hispanic or Latino 912 56.7% 28.6%
Joint 389 77.6% 12.3%

Nearby Lenders in OR

Other HMDA-reporting lenders in OR with similar activity. Compare any two side-by-side.

Umpqua Bank

PORTLAND, OR

8,064 apps 4,989 originated 20.1% denied

First Technology Credit Union

Beaverton, OR

6,270 apps 3,364 originated 14.7% denied

Rogue Credit Union

MEDFORD, OR

2,752 apps 1,802 originated 12.1% denied

Selco Community Credit Union

SPRINGFIELD, OR

2,086 apps 1,226 originated 27.1% denied

Oregon Community Credit Union

Eugene, OR

2,016 apps 1,374 originated 16.3% denied
Compare OnPoint Community Credit Union vs Umpqua Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did OnPoint Community Credit Union process?
OnPoint Community Credit Union processed 10,400 mortgage applications in the 2024 HMDA reporting year. Of these, 7,152 were originated (approved and funded), 807 were withdrawn by the applicant, and 1,807 were denied.
What is OnPoint Community Credit Union's mortgage approval rate?
OnPoint Community Credit Union has an approval (origination) rate of 68.8%, meaning 68.8% of all applications resulted in a funded mortgage. The denial rate is 17.4%.
What is the average loan amount at OnPoint Community Credit Union?
The average mortgage loan amount at OnPoint Community Credit Union is $206,435. The average interest rate is 8.000%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at OnPoint Community Credit Union?
The most common reasons for mortgage denial at OnPoint Community Credit Union are: Debt-to-income ratio, Credit history, Other. In total, 1,807 applications were denied out of 10,400 total applications.
What types of mortgage loans does OnPoint Community Credit Union offer?
OnPoint Community Credit Union processes Conventional, FHA, VA loans. The most common type is Conventional with 10,193 applications and an average loan amount of $201,998.
What loan purposes does OnPoint Community Credit Union serve?
OnPoint Community Credit Union serves the following loan purposes: Home Improvement (3,626 applications), Home Purchase (2,634 applications), Refinancing (2,030 applications), Other (1,856 applications), Cash-out Refinancing (254 applications). Home Improvement is the most common purpose.
Where is OnPoint Community Credit Union located?
OnPoint Community Credit Union is headquartered in Portland, OR. The lender is identified by LEI 2549008LK3474E9U2888 in HMDA data.
How does OnPoint Community Credit Union compare in lending across racial demographics?
OnPoint Community Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.5% and denial rate of 16.5%; Asian applicants have an approval rate of 58.8% and denial rate of 22.1%; Joint applicants have an approval rate of 74.8% and denial rate of 13.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.