# Unitus Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/unitus-community-credit-union


> **📋 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


Unitus Community Credit Union is a credit union, headquartered in Portland, OR, serving borrowers across 4 states, with 140 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549001IK7UDPADKAG34
- **Headquarters:** Portland, OR
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AZ, CA, OR, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.207%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,311
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 140
- **Dollar Volume:** $54 million
- **Applications Received:** 216
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $387,429
- **Average Borrower Income:** $154,664
- **Average Property Value:** $612,429

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 134 | +0.219% | $2,306 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 102 loans, Score: 40/100 (Sound)
- Refinance: 32 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 108 | $45M | +0.201% | Acceptable 🙂 |
| Refinance | 43/100 | 32 | $9M | +0.229% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 111 | 0.26% | 74/100 |
| WA | 22 | 0.03% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 100 | 74/100 |
| Salem, OR | OR | 18 | 57/100 |
| Non |  | 10 | 24/100 |

## Where This Lender Ranks

Unitus Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Oregon for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Portland for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#8** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Salem, OR for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Oregon Credit Unions
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Oregon for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Unitus Community Credit Union offer?

Unitus Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Unitus Community Credit Union offer mortgages?

Unitus Community Credit Union offers mortgages in 4 states: AZ, CA, OR, WA.

### How competitive are Unitus Community Credit Union's mortgage rates?

Unitus Community Credit Union has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.207% above market average.

### What type of lender is Unitus Community Credit Union?

Unitus Community Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Portland, OR.

### What is Unitus Community Credit Union's loan approval success rate?

Unitus Community Credit Union has a pull-through score of 50/100 (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/unitus-community-credit-union

### How to Cite

> "Unitus Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/unitus-community-credit-union

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