Adventure Credit Union mortgage approval rate & lending review
Adventure Credit Union decided 721 mortgage applications and funded 663 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Adventure Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Adventure Credit Union at a glance
Approval is 26.0 points above the 66.7% 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% | 136 / 145 | 100% | $245K | 136 |
| Home improvement loans | 93% | 138 / 148 | 97% | $55K | 134 |
| Cash-out refinance | 72% | 54 / 75 | 100% | $185K | 54 |
| Refinance | 80% | 37 / 46 | 100% | $185K | 37 |
| Investment refinance | 85% | 22 / 26 | 100% | $155K | 22 |
| Investment home improvement | 100% | 243 / 243 | 100% | $55K | 242 |
Adventure Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 93% | $55K | 719 | 662 |
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 Adventure Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kent County, MI | Investment home improvement | 100% | 171 | 170 |
| Kent County, MI | Home improvement loans | 94% | 107 | 98 |
| Kent County, MI | Mortgage lenders | 95% | 86 | 82 |
| Kent County, MI | Cash-out refinance | 69% | 55 | 38 |
| Kent County, MI | Refinance | 89% | 28 | 25 |
| Ottawa County, MI | Mortgage lenders | 96% | 25 | 24 |
The county markets where Adventure Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Adventure Credit Union
What is Adventure Credit Union's mortgage approval rate?
Adventure Credit Union approved 92.6% of the 721 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 26.0 points above the 66.7% national rate for the same mix of loan types.
How often do borrowers take the loan Adventure Credit Union offers?
Borrowers accepted 99% of the loans Adventure Credit Union approved, against 92% for all investment home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Adventure Credit Union make?
The typical investment home improvement loan loan Adventure Credit Union made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Adventure Credit Union lend?
Adventure Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Michigan, California and Illinois.
Can I apply to Adventure Credit Union directly?
Yes. Adventure 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 Adventure 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 Adventure Credit Union treats applications, then get a rate quote from the lender.