# InRoads Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/inroads-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

InRoads Federal Credit Union is a credit union, headquartered in St. Helens, OR, serving borrowers across 2 states, with 20 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493002QI5QUDX4RGW52
- **Headquarters:** St. Helens, 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

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 20
- **Dollar Volume:** $6 million
- **Applications Received:** 31
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $298,500
- **Average Borrower Income:** $143,850

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 15/100 | 20 | +0.223% | $3,411 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 10 | $4M | +0.196% | Mediocre 😐 |
| Refinance | 25/100 | 10 | $2M | +0.250% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 17 | 0.04% | 56/100 |

## Top Metro Markets (MSAs)

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

## Frequently Asked Questions

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

InRoads 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 InRoads Federal Credit Union offer mortgages?

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

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

InRoads Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in St. Helens, OR.

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

InRoads Federal Credit Union has a pull-through score of 34/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/inroads-federal-credit-union

### How to Cite

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

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