Lenders › Gesa Credit Union › Oregon
Gesa Credit Union in Oregon
HMDA record for properties in Oregon, calendar year 2024. National record · Oregon overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Gesa Credit Union's 2024 HMDA record for Oregon covers 108 applications, 60 of them originated, worth $34m.
Its denial rate in the state was 31.5%, above the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 23.8%.
The median rate spread on its Oregon originations was 1.4 percentage points (state median 0.4).
Applications in the state were up 30% on 2023.
Compared with the state and the lender's national record
| Measure | In Oregon | Oregon, all lenders | Gesa Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 31.5% | 20.6% | 23.8% | 24.3% |
| Median rate spread, pp | 1.4 | 0.4 | 1.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 44.9% | 16.0% | 39.2% | 15.6% |
| Average originated loan | $570k | $354k | $207k | $329k |
| Home purchase share | 31.7% | 53.8% | 21.5% | 57.0% |
| FHA-insured share | 0.0% | 11.9% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 6.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOregon, all lenders
Loan purpose and loan type in Oregon
By purpose
Home purchase 32% (19)Home improvement 35% (21)Refinancing 7% (4)Cash-out refinancing 8% (5)Other purpose 18% (11)
By type
Conventional 100% (60)
Denial reasons as coded
Share of 28 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oregon
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Umatilla County | 48 | 27 | $2.5m | 32.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Gesa Credit Union originate in Oregon in 2024?
60 loans totalling $34m, from 108 applications reported for properties in Oregon.
What is Gesa Credit Union's denial rate in Oregon?
31.5% of decided applications in Oregon were denied, against 20.6% for all lenders in the state and 23.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oregon counties does Gesa Credit Union lend in most?
By originations: Umatilla County (27).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oregon. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.