Consolidated Federal Credit Union Mortgage Rates, Fees & Info
Portland, ORLEI: 549300KZVCKCUN23YY80
Tax ID: 93-0460086
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Consolidated Federal Credit Union is a smaller credit union specializing in Home Improvement, Other, and Home Purchase loans. Their top markets by origination volume include: Portland, Hood River, Bend, Phoenix, and Charlotte among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)Consolidated Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.73% | 4/16/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Consolidated Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
262Origination Dollar Volume (All Markets)
$40,270,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 182 | $29,550,000 | $162,363 | $0 | 8.35% |
| Hood River, OR (FHA|USDA|VA) | 33 | $4,275,000 | $129,545 | $0 | 8.75% |
| Outside of Metro Areas | 8 | $980,000 | $122,500 | $0 | 8.25% |
| BEND, OR (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $0 | 8.31% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 7.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $0 | 9.87% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 7.99% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 7.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 8.12% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.99% |
| Newport, OR (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.49% |
| Prineville, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.99% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.99% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.25% |
| SALEM, OR (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 9.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.37% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.99% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| La Grande, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Seneca, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.99% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against Consolidated Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 262 | $40,270,000 | $153,702 | n/a | 8.44% |
For 2024, Consolidated Federal Credit Union's most frequently originated type of loan was HELOC, with 262 originations.
Loan Reason
For 2024, Consolidated Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 113 originations. The 2nd most popular reason was Other, with 79 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 15 Year | 262 | $40,270,000 | $153,702 | $0 | 8.44% |
For 2024, Consolidated Federal Credit Union's most frequently cited loan duration was 15 Year, with 262 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 157 | $27,695,000 | $176,401 |
| Over 8% | 102 | $12,010,000 | $117,745 |
| 6-7% | 3 | $565,000 | $188,333 |
During 2024, Consolidated Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 7-8%, with 157 originations.
Loan Sizing
2024 saw Consolidated Federal Credit Union place emphasis on $100,000 or less loans with 102 originations, totaling $5,860,000 in origination value.
Applicant Income
Consolidated Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 72 originations. The second most popular income band? $150k-250k, with 69 originations.
Applicant Debt to Income Ratio
Consolidated Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 65 originations. The next most common DTI ratio? 30-36%, with 44 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.05%
Consolidated Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination69.85%
Consolidated Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 262 | $40,270,000 | $153,702 |