Consolidated Federal Credit Union
Consolidated Federal Credit Union received 620 applications in 2025 and made 411 mortgages, in 73 counties across 18 states. The median rate its borrowers got was 4.990% on a median loan of $125,000. Of 551 decisions, 139 were denials — 25.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300KZVCKCUN23YY80 |
|---|---|
| Applications received | 620 |
| Mortgages made | 411 |
| Denied | 139 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.03 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 60 | 7.495% | $210,000 | 10.5% |
| Refinancing | 47 | 4.990% | $155,000 | 23.0% |
| Other purposes | 304 | 4.990% | $105,000 | 27.9% |
Where Consolidated Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Multnomah County, OR | 137 | 5.750% | 18.5% |
| Clackamas County, OR | 64 | 4.990% | 20.0% |
| Washington County, OR | 59 | 4.990% | 27.2% |
| Hood River County, OR | 38 | 4.990% | 26.9% |
| Clark County, WA | 24 | 5.990% | 20.0% |
| Klickitat County, WA | 7 | Under 10 loans | 36.4% |
| Lane County, OR | 6 | Under 10 loans | 0.0% |
| Marion County, OR | 6 | Under 10 loans | 33.3% |
| Los Angeles County, CA | 5 | Under 10 loans | 28.6% |
| Columbia County, OR | 5 | Under 10 loans | 28.6% |
| Wasco County, OR | 4 | Under 10 loans | 0.0% |
| Skamania County, WA | 4 | Under 10 loans | 33.3% |
| Gaston County, NC | 3 | Under 10 loans | 40.0% |
| Deschutes County, OR | 3 | Under 10 loans | 0.0% |
| Yamhill County, OR | 3 | Under 10 loans | 25.0% |
| King County, WA | 3 | Under 10 loans | 62.5% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| Clatsop County, OR | 2 | Under 10 loans | 50.0% |
| Kitsap County, WA | 2 | Under 10 loans | 0.0% |
| Lewis County, WA | 2 | Under 10 loans | 0.0% |
| Pacific County, WA | 2 | Under 10 loans | 50.0% |
| Pierce County, WA | 2 | Under 10 loans | 0.0% |
| Spokane County, WA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 50.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Hawaii County, HI | 1 | Under 10 loans | 0.0% |
| Honolulu County, HI | 1 | Under 10 loans | 0.0% |
| Gem County, ID | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 1 | Under 10 loans | 0.0% |
| Lake County, MT | 1 | Under 10 loans | 0.0% |
| Missoula County, MT | 1 | Under 10 loans | 0.0% |
| Davie County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Douglas County, OR | 1 | Under 10 loans | 0.0% |
| Jackson County, OR | 1 | Under 10 loans | 0.0% |
| Lincoln County, OR | 1 | Under 10 loans | 0.0% |
| Linn County, OR | 1 | Under 10 loans | 50.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Jefferson County, WA | 1 | Under 10 loans | 0.0% |
| Walla Walla County, WA | 1 | Under 10 loans | 0.0% |
| Prince of Wales-Hyder Census Area, AK | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.