# OREGON COMMUNITY

> **Canonical URL:** https://saferate.com/lenders/oregon-community


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


OREGON COMMUNITY is a credit union, headquartered in Eugene, OR, serving borrowers across 2 states, with 154 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300IEP77RKJ87Z176
- **Headquarters:** Eugene, OR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.409%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,711
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 154
- **Dollar Volume:** $55 million
- **Applications Received:** 239
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $357,338
- **Average Borrower Income:** $134,974
- **Average Property Value:** $501,299

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 150 | +0.388% | $2,638 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 54/100 (Sound)
- Refinance: 29 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 125 | $49M | +0.378% | Sound ☺️ |
| Refinance | 52/100 | 29 | $6M | +0.543% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 151 | 0.35% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Eugene | OR | 95 | 86/100 |
| Salem, OR | OR | 26 | 64/100 |
| Portland | OR-WA | 10 | 44/100 |

## Where This Lender Ranks

OREGON COMMUNITY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Eugene Credit Unions
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Eugene for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Salem, OR Credit Unions
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Salem, OR for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Oregon Credit Unions
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Oregon for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Eugene
  - [View Full Rankings](https://saferate.com/eugene/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does OREGON COMMUNITY offer?

OREGON COMMUNITY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does OREGON COMMUNITY offer mortgages?

OREGON COMMUNITY offers mortgages in 2 states: OR, WA.

### How competitive are OREGON COMMUNITY's mortgage rates?

OREGON COMMUNITY has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.409% above market average.

### What type of lender is OREGON COMMUNITY?

OREGON COMMUNITY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Eugene, OR.

### What is OREGON COMMUNITY's loan approval success rate?

OREGON COMMUNITY has a pull-through score of 48/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/oregon-community

### How to Cite

> "OREGON COMMUNITY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oregon-community

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**[View Interactive Profile →](https://saferate.com/lenders/oregon-community)**