Embold Federal Credit Union in Oregon vs the state
19.2%Denial rate+3.88 pts vs state
22.4%Decision denial rate+3.27 pts vs state
64.6%Origination rate+3.94 pts vs state
7.74%Median rate+0.99 pts vs state
0.49Rate spread (pts)+0.21 pts vs state
$108kMedian applicant income
286Loans originated
85Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 498 | 301 | 31.3% | 8.69% | #60 |
| 2024 | 461 | 261 | 29.5% | 8.74% | #65 |
| 2025 | 443 | 286 | 19.2% | 7.74% | #70 |
What Embold Federal Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Embold Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clackamas County | 341 | 228 | 59 | 17.3% |
| Multnomah County | 32 | 18 | 7 | 21.9% |
| Marion County | 22 | 14 | 6 | 27.3% |
| Yamhill County | 21 | 11 | 5 | 23.8% |
| Washington County | 9 | 6 | 3 | 33.3% |
| Tillamook County | 5 | 3 | 0 | 0.0% |
| Deschutes County | 3 | 2 | 1 | 33.3% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Lane County | 2 | 0 | 2 | 100.0% |
| Crook County | 1 | 1 | 0 | 0.0% |
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: 443 applications in 2025, of which 286 were originated and 85 denied.
19.2% of all applications, or 22.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Embold Federal Credit Union originated in Oregon in 2025 was 7.74%, against a statewide median of 6.75%.
About this data. Figures are Embold 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