InRoads Federal Credit Union
InRoads Federal Credit Union received 59 applications in 2025 and made 48 mortgages, in 8 counties across 3 states. The median rate its borrowers got was 7.000% on a median loan of $165,000. Of 58 decisions, 9 were denials — 15.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002QI5QUDX4RGW52 |
|---|---|
| Applications received | 59 |
| Mortgages made | 48 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.01 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 | 17 | 6.750% | $265,000 | 5.6% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 25 | 7.500% | $135,000 | 19.4% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 28.6% |
Where InRoads Federal Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, OR | 38 | 7.313% | 19.2% |
| Washington County, OR | 4 | Under 10 loans | 0.0% |
| Clackamas County, OR | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Klickitat County, WA | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 0 | Under 10 loans | 0.0% |
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When InRoads Federal Credit Union’s figures are published for the next year, or restated.
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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.