Embold Federal Credit Union mortgage approval rate & lending review
Embold Federal Credit Union decided 813 mortgage applications and funded 576 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Embold Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Embold Federal Credit Union at a glance
Approval is 3.5 points above the 69.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 67% | 78 / 116 | 94% | $225K | 73 |
| Home improvement loans | 73% | 357 / 491 | 98% | $85K | 349 |
| Refinance | 78% | 125 / 161 | 99% | $115K | 124 |
Embold Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 74% | $85K | 786 | 563 |
| Washington | 62% | $105K | 21 | 13 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Embold Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clackamas County, OR | Home improvement loans | 75% | 393 | 289 |
| Clackamas County, OR | Refinance | 82% | 125 | 101 |
| Clackamas County, OR | Mortgage lenders | 72% | 79 | 53 |
| Marion County, OR | Home improvement loans | 72% | 25 | 15 |
| Multnomah County, OR | Home improvement loans | 57% | 23 | 12 |
The county markets where Embold Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Embold Federal Credit Union
What is Embold Federal Credit Union's mortgage approval rate?
Embold Federal Credit Union approved 72.7% of the 813 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.5 points above the 69.2% national rate for the same mix of loan types.
How often do borrowers take the loan Embold Federal Credit Union offers?
Borrowers accepted 97% of the loans Embold Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Embold Federal Credit Union make?
The typical home improvement loan loan Embold Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Embold Federal Credit Union lend?
Embold Federal Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in Oregon, Washington and California.
Can I apply to Embold Federal Credit Union directly?
Yes. Embold Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Embold Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Embold Federal Credit Union treats applications, then get a rate quote from the lender.