Eugene-Springfield
Metropolitan Statistical Area · MSA Code 21660
According to CFPB HMDA 2024 application volume among tracked metros, Eugene-Springfield ranks #190 of 418.
Mortgage lending activity in the Eugene-Springfield metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Eugene-Springfield Metropolitan Statistical Area (MSA code 21660) financed its book at an average note rate of 7.41%. 20 major lenders are tracked for this metro - Oregon Community Credit Union, Selco Community Credit Union, Summit Funding.Inc lead by origination volume. Among the 418 metros tracked, Eugene-Springfield sits in the 62nd percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Eugene-Springfield denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 15.7% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $268,127 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Eugene-Springfield
In Eugene-Springfield, lead originator Oregon Community Credit Union funded 12.1% of 6,664 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 27.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Eugene-Springfield's 15.7% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Eugene-Springfield's 11,940 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Eugene-Springfield's $268,127 average loan (deduped against denial and volume peers).
Lenders active in the Eugene-Springfield metro
Oregon Community Credit Union funded 808 of the 6,664 loans originated here, 12.1% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Oregon Community Credit Union | 808 | 1,177 | $123,088 | 12.1% |
| 2 | Selco Community Credit Union | 607 | 981 | $112,452 | 9.1% |
| 3 | Summit Funding.Inc | 417 | 547 | $378,510 | 6.3% |
| 4 | United Wholesale Mortgage | 388 | 486 | $387,366 | 5.8% |
| 5 | Rocket Mortgage | 312 | 418 | $280,383 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Eugene-Springfield metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Eugene-Springfield borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.