Embold Federal Credit Union
Embold Federal Credit Union received 463 applications in 2025 and made 298 mortgages, in 22 counties across 6 states. The median rate its borrowers got was 7.740% on a median loan of $105,000. Of 398 decisions, 92 were denials — 23.1%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300VEJ302N3NLKA88 |
|---|---|
| Applications received | 463 |
| Mortgages made | 298 |
| Denied | 92 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.49 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 | 35 | 7.440% | $235,000 | 17.4% |
| Refinancing | 60 | 7.740% | $135,000 | 21.1% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 196 | 7.740% | $95,000 | 25.0% |
Where Embold Federal Credit Union lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clackamas County, OR | 228 | 7.740% | 20.1% |
| Multnomah County, OR | 18 | 7.740% | 26.9% |
| Marion County, OR | 14 | 8.095% | 30.0% |
| Yamhill County, OR | 11 | 7.740% | 29.4% |
| Clark County, WA | 7 | Under 10 loans | 30.0% |
| Washington County, OR | 6 | Under 10 loans | 33.3% |
| Tillamook County, OR | 3 | Under 10 loans | 0.0% |
| Deschutes County, OR | 2 | Under 10 loans | 33.3% |
| Jefferson County, OR | 2 | Under 10 loans | 0.0% |
| Mason County, WA | 2 | Under 10 loans | 0.0% |
| Crook County, OR | 1 | Under 10 loans | 0.0% |
| Lincoln County, OR | 1 | Under 10 loans | 0.0% |
| Asotin County, WA | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Pacific County, WA | 1 | Under 10 loans | 0.0% |
| Canyon County, ID | 0 | Under 10 loans | 100.0% |
| DeKalb County, IL | 0 | Under 10 loans | 100.0% |
| Black Hawk County, IA | 0 | Under 10 loans | 100.0% |
| Josephine County, OR | 0 | Under 10 loans | 100.0% |
| Lane County, OR | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | Not published |
| Skamania County, WA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Embold Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.