Consolidated Federal Credit Union in Oregon vs the state
19.9%Denial rate+4.56 pts vs state
22.3%Decision denial rate+3.14 pts vs state
69.3%Origination rate+8.63 pts vs state
4.99%Median rate-1.76 pts vs state
-2.08Rate spread (pts)-2.36 pts vs state
$147kMedian applicant income
331Loans originated
95Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 382 | 255 | 20.4% | 7.99% | #71 |
| 2024 | 339 | 214 | 18.6% | 7.99% | #78 |
| 2025 | 478 | 331 | 19.9% | 4.99% | #65 |
What Consolidated Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Consolidated Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 191 | 137 | 31 | 16.2% |
| Washington County | 93 | 59 | 22 | 23.7% |
| Clackamas County | 85 | 64 | 16 | 18.8% |
| Hood River County | 56 | 38 | 14 | 25.0% |
| Marion County | 12 | 6 | 3 | 25.0% |
| Columbia County | 8 | 5 | 2 | 25.0% |
| Lane County | 6 | 6 | 0 | 0.0% |
| Wasco County | 5 | 4 | 0 | 0.0% |
| Yamhill County | 4 | 3 | 1 | 25.0% |
| Clatsop County | 4 | 2 | 2 | 50.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 478 applications in 2025, of which 331 were originated and 95 denied.
19.9% of all applications, or 22.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Consolidated Federal Credit Union originated in Oregon in 2025 was 4.99%, against a statewide median of 6.75%.
About this data. Figures are Consolidated Federal Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology