1St Midamerica Credit Union mortgage approval rate & lending review
1St Midamerica Credit Union decided 981 mortgage applications and funded 776 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St Midamerica Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St Midamerica Credit Union at a glance
Approval is 8.6 points above the 75.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 369 / 394 | 97% | $135K | 359 |
| Home improvement loans | 81% | 283 / 350 | 90% | $45K | 255 |
| Cash-out refinance | 67% | 78 / 117 | 90% | $75K | 70 |
| Refinance | 54% | 22 / 41 | 100% | $165K | 22 |
| Investment property purchase | 96% | 44 / 46 | 95% | $75K | 42 |
1St Midamerica Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1St Midamerica Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, IL | Mortgage lenders | 94% | 335 | 309 |
| Madison County, IL | Home improvement loans | 83% | 279 | 206 |
| Madison County, IL | Cash-out refinance | 71% | 91 | 58 |
| Madison County, IL | Investment property purchase | 97% | 34 | 31 |
| Jackson County, MO | Home improvement loans | 85% | 33 | 25 |
| Madison County, IL | Refinance | 53% | 32 | 17 |
The county markets where 1St Midamerica Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about 1St Midamerica Credit Union
What is 1St Midamerica Credit Union's mortgage approval rate?
1St Midamerica Credit Union approved 84.1% of the 981 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 75.5% national rate for the same mix of loan types.
How often do borrowers take the loan 1St Midamerica Credit Union offers?
Borrowers accepted 94% of the loans 1St Midamerica Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1St Midamerica Credit Union make?
The typical home purchase mortgage loan 1St Midamerica Credit Union made was $135K; across all loan types its typical loan ran from $45K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St Midamerica Credit Union lend?
1St Midamerica Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to 1St Midamerica Credit Union directly?
Yes. 1St Midamerica Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 1St Midamerica Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1St Midamerica Credit Union treats applications, then get a rate quote from the lender.