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Consolidated Community Credit

PORTLAND, OR

Consolidated Community Credit processed 426 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 262 loans with a 19.9% denial rate. Home Improvement was the primary loan purpose. Based in PORTLAND, OR. The approval rate of 61.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Consolidated Community Credit processed 426 HMDA-reported mortgage applications in 2024, originating 262 loans and denying 85 for a denial rate of 19.9% (applicants themselves withdrew 79 files before a decision). The average loan amount was $144,225 at a 8.445% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300KZVCKCUN23YY80 from PORTLAND, OR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Consolidated Community Credit's 61.5% origination rate tells you how often an application turned into funded money; the 19.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (426 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

426
Applications
262
Originated
19.9%
Denial Rate
$144,225
Avg Loan Amount
Avg Interest Rate: 8.445% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 426 262 85 $144,225

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Consolidated Community Credit (LEI: 549300KZVCKCUN23YY80) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
43
Other
39
Collateral
35
Credit history
30
Unverifiable information
4
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 177 113 $118,559
Other 144 79 $117,639
Home Purchase 74 53 $247,703
Refinancing 31 17 $167,258

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 323 60.7% 20.4%
Joint 12 83.3% 16.7%
Asian 10 80.0% 0.0%
Black or African American 8 37.5% 37.5%
2 or more minority races 2 0.0% 0.0%
Native Hawaiian or Other Pacific Islander 2 0.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 330 61.2% 19.4%
Hispanic or Latino 25 48.0% 32.0%
Joint 6 83.3% 16.7%

Nearby Lenders in OR

Other HMDA-reporting lenders in OR with similar activity. Compare any two side-by-side.

OnPoint Community Credit Union

Portland, OR

10,400 apps 7,152 originated 17.4% denied

UMPQUA BANK

PORTLAND, OR

8,064 apps 4,989 originated 20.1% denied

First Technology Credit Union

Beaverton, OR

6,270 apps 3,364 originated 14.7% denied

ROGUE CREDIT UNION

MEDFORD, OR

2,752 apps 1,802 originated 12.1% denied

SELCO COMMUNITY CREDIT UNION

SPRINGFIELD, OR

2,086 apps 1,226 originated 27.1% denied
Compare Consolidated Community Credit vs OnPoint Community Credit Union →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Consolidated Community Credit process?
Consolidated Community Credit processed 426 mortgage applications in the 2023 HMDA reporting year. Of these, 262 were originated (approved and funded), 79 were withdrawn by the applicant, and 85 were denied.
What is Consolidated Community Credit's mortgage approval rate?
Consolidated Community Credit has an approval (origination) rate of 61.5%, meaning 61.5% of all applications resulted in a funded mortgage. The denial rate is 19.9%.
What is the average loan amount at Consolidated Community Credit?
The average mortgage loan amount at Consolidated Community Credit is $144,225. The average interest rate is 8.445%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Consolidated Community Credit?
The most common reasons for mortgage denial at Consolidated Community Credit are: Debt-to-income ratio, Other, Collateral. In total, 85 applications were denied out of 426 total applications.
What types of mortgage loans does Consolidated Community Credit offer?
Consolidated Community Credit processes Conventional loans. The most common type is Conventional with 426 applications and an average loan amount of $144,225.
What loan purposes does Consolidated Community Credit serve?
Consolidated Community Credit serves the following loan purposes: Home Improvement (177 applications), Other (144 applications), Home Purchase (74 applications), Refinancing (31 applications). Home Improvement is the most common purpose.
Where is Consolidated Community Credit located?
Consolidated Community Credit is headquartered in PORTLAND, OR. The lender is identified by LEI 549300KZVCKCUN23YY80 in HMDA data.
How does Consolidated Community Credit compare in lending across racial demographics?
Consolidated Community Credit reports demographic lending data under HMDA requirements. White applicants have an approval rate of 60.7% and denial rate of 20.4%; Joint applicants have an approval rate of 83.3% and denial rate of 16.7%; Asian applicants have an approval rate of 80.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.