# Embold Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/embold-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Embold Federal Credit Union is a credit union, headquartered in Oak Grove, OR, serving borrowers across 2 states, with 21 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VEJ302N3NLKA88
- **Headquarters:** Oak Grove, OR
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.105%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,380
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 21
- **Dollar Volume:** $8 million
- **Applications Received:** 36
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $357,381
- **Average Borrower Income:** $146,952
- **Average Property Value:** $509,762

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 15/100 | 21 | +0.105% | $1,380 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 18/100 | 17 | $7M | +0.091% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 20 | 0.05% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 16 | 56/100 |

## Frequently Asked Questions

### What loan types does Embold Federal Credit Union offer?

Embold Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Embold Federal Credit Union offer mortgages?

Embold Federal Credit Union offers mortgages in 2 states: OR, WA.

### How competitive are Embold Federal Credit Union's mortgage rates?

Embold Federal Credit Union has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.105% above market average.

### What type of lender is Embold Federal Credit Union?

Embold Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oak Grove, OR.

### What is Embold Federal Credit Union's loan approval success rate?

Embold Federal Credit Union has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/embold-federal-credit-union

### How to Cite

> "Embold Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/embold-federal-credit-union

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