What loan types does Oregon Community offer?

Oregon Community offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 27.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Oregon Community?

Oregon Community is a Credit Union headquartered in Eugene, OR.

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Oregon Community

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

Oregon Community has 154 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Oregon Community performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+40.9 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

150 loans · 0.39% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

125 loans · 0.38% above market

Sound

Top 60% of lenders

3/5

Refinance

29 loans · 0.54% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	150	97.4%	+0.388%Above	$2,638Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume150

Mix97.4%

Spread

+0.388%Above

Fees

$2,638Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	125	81.2%	+0.378%Above	$2,956Fees
Refinance	Sound	Sound	Acceptable	Sound	29	18.8%	+0.543%Above	$1,674Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume125

Mix81.2%

Spread

+0.378%Above

Fees

$2,956Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume29

Mix18.8%

Spread

+0.543%Above

Fees

$1,674Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

154

Applications

239

Volume

$55 million

Pricing & Closing

Avg Rate Spread

+0.409%

vs. market APOR

Avg Net Fees

$2,711

Origination − Credits

Pullthrough Rate

64.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$357,338

Avg Borrower Income

$134,974

Avg Property Value

$501,299

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

West2

ORWA

Top Metro Areas by Place Specialization Score

Eugene, ORMetro

Volume 95Mix 61.69% of portfolio

86/100

Exceptional

Salem, ORMetro

Volume 26Mix 16.88% of portfolio

64/100

Strong

Portland, OR-WAMetro

Volume 10Mix 6.49% of portfolio

44/100

Sound

Top States by Place Specialization Score

OregonState

Volume 151Mix 98.05% of portfolio

77/100

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(80%+ = 40-50 points)

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.