General Loan Support

Popular Questions

Under most circumstances, a consumer loan application can be approved online within sixty seconds and a first mortgage application in about 15-20 minutes. In some cases, a loan request may take a bit longer to review, but we usually return a decision within the next business .

Unfortunately, we cannot access your credit score until you submit an application. If you know your credit score we can provide an estimated rate, then confirm it once you have submitted your application and we can access your score. The majority of our applicants receive the lowest quoted rate.

If your credit score improves after you close your loan, at your request, we can modify the interest rate on your loan. Contact us for more information. (This does not apply to 1st Mortgage loans.)

For consumer loans (auto, personal, credit card, etc.), simply complete an online loan application or call us at 503.423.8770. For home loans, simply click here or call us at 503.423.8713 or 800.452.0900, ext. 8713.

Of course! However, Unitus cannot distribute funds until your Unitus account has been opened. To speed up the process, we recommend that you apply for membership before submitting a loan application.


In most cases, your credit score determines your interest rate. If more than one applicant is making an application, we will use the higher of the two scores to give you the lower rate. (This does not apply to 1st Mortgage loans.)

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M-F 7:30a to 6:00p, Sat 7:30a to 4:00p

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