AAC Credit Union mortgage approval rate & lending review
AAC Credit Union decided 272 mortgage applications and funded 250 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions AAC Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
AAC Credit Union at a glance
Approval is 20.9 points above the 71.0% 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 | 96% | 55 / 57 | 100% | $245K | 55 |
| Home improvement loans | 94% | 85 / 90 | 100% | $35K | 85 |
| Cash-out refinance | 87% | 99 / 114 | 100% | $65K | 99 |
AAC Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 92% | $65K | 272 | 250 |
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 AAC Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kent County, MI | Cash-out refinance | 95% | 39 | 37 |
| Ottawa County, MI | Home improvement loans | 97% | 38 | 37 |
| Ottawa County, MI | Cash-out refinance | 85% | 39 | 33 |
| Kent County, MI | Home improvement loans | 92% | 24 | 22 |
| Ottawa County, MI | Mortgage lenders | 100% | 21 | 21 |
| Muskegon County, MI | Cash-out refinance | 83% | 23 | 19 |
The county markets where AAC Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about AAC Credit Union
What is AAC Credit Union's mortgage approval rate?
AAC Credit Union approved 91.9% of the 272 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.9 points above the 71.0% national rate for the same mix of loan types.
How often do borrowers take the loan AAC Credit Union offers?
Borrowers accepted 100% of the loans AAC Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does AAC Credit Union make?
The typical cash-out refinance loan AAC Credit Union made was $65K; across all loan types its typical loan ran from $35K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does AAC Credit Union lend?
AAC Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to AAC Credit Union directly?
Yes. AAC Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show AAC 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 AAC Credit Union treats applications, then get a rate quote from the lender.