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Onpoint Community Credit Union

Credit Union•Portland, ORHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Onpoint Community Credit Union — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

Onpoint Community Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+6.7 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,641 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
FHA
113 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
VA
18 loans · 0.22% below market
Strong
Top 40% of lenders
4/5
Jumbo
60 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,559 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
Refinance
273 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume1,641
Mix89.6%
Spread
+0.050%Above
Fees
$1,423Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume113
Mix6.2%
Spread
+0.364%Above
Fees
$1,463Fees
VA Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume18
Mix1.0%
Spread
-0.216%Below
Fees
$156Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume60
Mix3.3%
Spread
+0.006%Above
Fees
$1,692Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume1,559
Mix85.1%
Spread
+0.073%Above
Fees
$1,425Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume273
Mix14.9%
Spread
+0.037%Above
Fees
$1,423Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,832
Applications
2,481
Volume
$772 million
Pricing & Closing
Avg Rate Spread
+0.067%
vs. market APOR
Avg Net Fees
$1,424
Origination − Credits
Pullthrough Rate
73.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$421,905
Avg Borrower Income
$149,868
Avg Property Value
$575,142

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 200200+None
West2
ORWA

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 1,479Mix 80.73% of portfolio
100/100
Exceptional
2© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 101Mix 5.51% of portfolio
89/100
Exceptional
3© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 93Mix 5.08% of portfolio
81/100
Exceptional
4© Jsayre64 · CC BY-SA 3.0
Eugene, ORMetro
Volume 47Mix 2.57% of portfolio
66/100
Strong
5© Steve Morgan · CC BY-SA 4.0
Corvallis, ORMetro
Volume 11Mix 0.60% of portfolio
44/100
Sound

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 1,652Mix 90.17% of portfolio
100/100
Exceptional
Washington
Washington
2
WashingtonState
Volume 180Mix 9.83% of portfolio
70/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.