Lender profile · HMDA 2023–2025
Onpoint Community Credit Union mortgage approval rates & lending data
Onpoint Community Credit Union decided 22,149 mortgage applications and funded 17,528 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 5,112 / 5,532 | 97% | $385K | 4,974 |
| Home improvement loans | 82% | 8,021 / 9,816 | 91% | $75K | 7,296 |
| Cash-out refinance | 87% | 420 / 483 | 98% | $295K | 412 |
| Refinance | 85% | 4,462 / 5,264 | 94% | $115K | 4,203 |
| Investment property purchase | 77% | 270 / 349 | 96% | $295K | 258 |
| Investment cash-out refinance | 82% | 45 / 55 | 100% | $295K | 45 |
| Investment refinance | 61% | 91 / 150 | 93% | $125K | 85 |
| Investment home improvement | 56% | 280 / 500 | 91% | $75K | 255 |
Onpoint Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 85% | $115K | 20,330 | 16,130 |
| Washington | 82% | $125K | 1,815 | 1,398 |
| California | 0% | — | 2 | 0 |
| Arizona | 0% | — | 1 | 0 |
| Montana | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.