Growing again
It made 298 loans, up from 266. Similar lenders (credit unions making between half and twice as many loans) typically grew 6%, and the whole market 10%. It made 534 loans in 2022. It filed no report for 2020, a gap in the record.
Applications / Mortgage Analytics / Lenders / Oregon / Embold Federal Credit Union
Embold Federal Credit Union
Milwaukie, OR · Credit union · NCUA · $592 million assets · 298 loans in 2025
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298
loans originated, 2025
468
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Embold Federal Credit Union, an Oregon credit union, lends mostly for home improvement and other purposes, and in 2025 it made 12% more loans.
Home improvement and manufactured homes
Home improvement made up 36.9% of its lending and other purposes 28.9%; purchases were 11.7%. Manufactured homes took 6.0% of its loans, against 0.2% at similar lenders, and 3.6% were jumbo (larger than the conforming limit), against 0.3%. Its typical rate was 7.74%, against 6.88% at similar lenders; its home-improvement and manufactured-home lending may account for much of that.
More lower-income borrowers
Borrowers with low or moderate incomes (LMI) took 33.9% of its loans, against 27.0% at similar lenders, higher than about seven in ten. Only 0.7% were in majority-minority neighborhoods, against 12.9%, which may reflect the places in Oregon and Washington where it lends.
An old hand in Portland
In Portland-Vancouver-Hillsboro, OR-WA, where it has lent since at least 1990, it ranks 89 of 566 lenders with an unchanged 0.2% of the market. It entered Lewiston, ID-WA in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
298 loans in 2025, against a peak of 534 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Embold Federal Credit Union took 468 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
36.9% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 36.9% · Other 28.9% · Refinance 22.5% · Purchase 11.7%
Conventional 100.0% · of 298 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 5 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| Oregon | 286 | 96.0% |
| Washington | 12 | 4.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 270 |
| Salem | 14 |
| Bend | 5 |
| Lewiston | 1 |
| Longview-Kelso | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VEJ302N3NLKA88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 876689 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511793 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Embold Federal Credit Union's data.
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