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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Oregon

Fat Boy Data analyzed home improvement loan activity in Oregon to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 36,948 applications were decided by 217 lenders between 2023 and 2025.

Oregon at a glance

217Active lenders74 with 20+ decisions
73.7%Market approval rate27,227 of 36,948 decided
$75KTypical loanmedian lender, $10K brackets
93%Borrower take-up25,197 loans funded

How Oregon compares

Approval rate compared
Oregon73.7%All 616 counties62.7%
Typical loan compared
Oregon$75KAll 616 counties$75K

What the data shows

Onpoint Community Credit Union made the most home improvement loans in Oregon, 6,728 of them.

That is 27% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

CENTRAL WILLAMETTE Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 36.

Lenders approved 73.7% of home improvement loan applications in Oregon, 11.0 percentage points above the the United States rate of 62.7%.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 29% approved of 52Discover Bank: 34% approved of 589Spring Eq, LLC: 38% approved of 689Bank of America, National Association: 52% approved of 1,987BMO Bank National Association: 54% approved of 128Pentagon Federal Credit Union: 57% approved of 127U.S. Bank National Association: 57% approved of 2,802Fourleaf: 57% approved of 142Third Federal Savings And Loan Association Of Cleveland: 59% approved of 203Unitus Community Credit Union: 60% approved of 1,305KeyBank National Association: 60% approved of 436Banner Bank: 60% approved of 717Kind Lending, LLC: 62% approved of 52PNC Bank, National Association: 64% approved of 154Columbia Community Credit Union: 64% approved of 146New American Funding, LLC: 65% approved of 60Heritage Bank: 65% approved of 43Wafd Bank: 66% approved of 100Cmg Mortgage, Inc.: 68% approved of 62Navy Federal Credit Union: 68% approved of 380Figure Lending LLC: 69% approved of 815Loandepot.Com, LLC: 70% approved of 56First Interstate Bank: 70% approved of 418Columbia Bank: 71% approved of 1,318Peak Credit Union: 72% approved of 900Embold Federal Credit Union: 74% approved of 471Selco Community: 74% approved of 2,225Crosscountry Mortgage, LLC: 74% approved of 50IQ Credit Union: 74% approved of 141The Loan Store, Inc.: 74% approved of 98Guaranteed Rate, Inc.: 77% approved of 43HomeStreet Bank: 77% approved of 96Oregon Community: 77% approved of 2,164Movement Mortgage, LLC: 77% approved of 62First Federal: 78% approved of 58Boeing Employees Credit Union: 78% approved of 123Rocket Mortgage, LLC: 78% approved of 105Consolidated Federal Credit Union: 79% approved of 329Rivermark Community Credit Union: 79% approved of 784Homebridge Financial Services, Inc.: 81% approved of 88Onpoint Community Credit Union: 82% approved of 9,003JPMorgan Chase Bank, National Association: 83% approved of 84Advantis Credit Union: 84% approved of 276Nationstar Mortgage LLC: 85% approved of 129Pacific N W Federal Credit Union: 86% approved of 49Castparts Employees Federal Credit Union: 86% approved of 42USAlliance Federal Credit Union: 86% approved of 37First Community: 87% approved of 528Marion and Polk Schools Credit Union: 87% approved of 1,006Rogue: 88% approved of 1,052Red Canoe Credit Union: 89% approved of 45Oregon State Credit Union: 90% approved of 459Mid Oregon Federal Credit Union: 92% approved of 609Providence Federal Credit Union: 92% approved of 40Lendage, LLC: 94% approved of 50Oregonians Credit Union: 94% approved of 234Summit Mortgage Corporation: 94% approved of 54First Technology Federal Credit Union: 95% approved of 1,194Coastal Community Bank: 98% approved of 559CENTRAL WILLAMETTE Credit Union: 100% approved of 36

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Oregon

LenderApprovalApprovedTaken upTypical loanLoans made
1Onpoint Community Credit Union82%7,400 / 9,00391%$75K6,728
2U.S. Bank National Association57%1,589 / 2,80297%$95K1,540
3Selco Community74%1,644 / 2,22590%$65K1,483
4Oregon Community77%1,670 / 2,16495%$55K1,581
5Bank of America, National Association52%1,036 / 1,98798%$105K1,015

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 212 more lenders.

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Other lending data for Oregon

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Counties in Oregon

Multnomah CountyCountyWashington CountyCountyClackamas CountyCountyLane CountyCountyMarion CountyCountyJackson CountyCountyDeschutes CountyCountyLinn CountyCountyDouglas CountyCountyYamhill CountyCounty