PACIFIC N W FEDERAL CREDIT UNION
PACIFIC N W FEDERAL CREDIT UNION received 98 applications in 2025 and made 60 mortgages, in 23 counties across 2 states. The median rate its borrowers got was 6.938% on a median loan of $110,000. Of 92 decisions, 16 were denials — 17.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900HD4RROQDXNWI45 |
|---|---|
| Applications received | 98 |
| Mortgages made | 60 |
| Denied | 16 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.495 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 | 20 | 6.500% | $365,000 | 13.5% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Other purposes | 31 | 7.650% | $65,000 | 21.4% |
Where PACIFIC N W FEDERAL CREDIT UNION lends most
The 23 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 | 12 | 7.175% | 25.0% |
| Hood River County, OR | 8 | Under 10 loans | 25.0% |
| Clark County, WA | 8 | Under 10 loans | 26.7% |
| Wasco County, OR | 6 | Under 10 loans | 12.5% |
| Clackamas County, OR | 5 | Under 10 loans | 0.0% |
| Washington County, OR | 4 | Under 10 loans | 16.7% |
| Klickitat County, WA | 4 | Under 10 loans | 0.0% |
| Columbia County, OR | 2 | Under 10 loans | 0.0% |
| Lincoln County, OR | 2 | Under 10 loans | 0.0% |
| Marion County, OR | 1 | Under 10 loans | 0.0% |
| Tillamook County, OR | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Cowlitz County, WA | 1 | Under 10 loans | 0.0% |
| Douglas County, WA | 1 | Under 10 loans | 0.0% |
| Kitsap County, WA | 1 | Under 10 loans | 50.0% |
| Lewis County, WA | 1 | Under 10 loans | 0.0% |
| Spokane County, WA | 1 | Under 10 loans | 0.0% |
| Wahkiakum County, WA | 1 | Under 10 loans | 0.0% |
| Jackson County, OR | 0 | Under 10 loans | 0.0% |
| Linn County, OR | 0 | Under 10 loans | 100.0% |
| Mason County, WA | 0 | Under 10 loans | 0.0% |
| Skamania County, WA | 0 | Under 10 loans | 0.0% |
| Thurston County, WA | 0 | Under 10 loans | 0.0% |
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When PACIFIC N W 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.