# ONPOINT COMMUNITY CREDIT UNION

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

ONPOINT COMMUNITY CREDIT UNION is a credit union, headquartered in Portland, OR, serving borrowers across 2 states, with 1,832 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 2549008LK3474E9U2888
- **Headquarters:** Portland, OR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.067%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,424
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,832
- **Dollar Volume:** $773 million
- **Applications Received:** 2,481
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $421,905
- **Average Borrower Income:** $149,868

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 1,641 | +0.050% | $1,423 | Strong 😀 |
| FHA | 69/100 | 113 | +0.364% | $1,463 | Strong 😀 |
| VA | 60/100 | 18 | -0.216% | $-156 | Strong 😀 |
| Jumbo | 77/100 | 60 | +0.006% | $1,692 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,392 loans, Score: 79/100 (Strong)
- Refinance: 249 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 102 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 49 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 1,559 | $667M | +0.073% | Strong 😀 |
| Refinance | 75/100 | 273 | $106M | +0.037% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 1,652 | 3.88% | 100/100 |
| WA | 180 | 0.21% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 1,479 | 100/100 |
| Bend, OR | OR | 101 | 89/100 |
| Salem, OR | OR | 93 | 81/100 |
| Non |  | 66 | 41/100 |
| Eugene | OR | 47 | 66/100 |
| Corvallis, OR | OR | 11 | 44/100 |

## Frequently Asked Questions

### What loan types does ONPOINT COMMUNITY CREDIT UNION offer?

ONPOINT COMMUNITY CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ONPOINT COMMUNITY CREDIT UNION offer mortgages?

ONPOINT COMMUNITY CREDIT UNION offers mortgages in 2 states: OR, WA.

### How competitive are ONPOINT COMMUNITY CREDIT UNION's mortgage rates?

ONPOINT COMMUNITY CREDIT UNION has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.067% above market average.

### What type of lender is ONPOINT COMMUNITY CREDIT UNION?

ONPOINT COMMUNITY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Portland, OR.

### What is ONPOINT COMMUNITY CREDIT UNION's loan approval success rate?

ONPOINT COMMUNITY CREDIT UNION has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/onpoint-community-credit-union

### How to Cite

> "ONPOINT COMMUNITY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/onpoint-community-credit-union

---

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