Arsenal Credit Union mortgage approval rate & lending review
Arsenal Credit Union decided 405 mortgage applications and funded 375 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arsenal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arsenal Credit Union at a glance
Approval is 20.0 points above the 74.4% 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 | 97% | 69 / 71 | 97% | $235K | 67 |
| Home improvement loans | 86% | 48 / 56 | 92% | $45K | 44 |
| Cash-out refinance | 92% | 152 / 165 | 99% | $55K | 151 |
| Refinance | 100% | 27 / 27 | 100% | $155K | 27 |
| Investment property purchase | 100% | 49 / 49 | 100% | $265K | 49 |
Arsenal 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 Arsenal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, MO | Cash-out refinance | 95% | 97 | 91 |
| Jefferson County, MO | Mortgage lenders | 100% | 33 | 33 |
| Jefferson County, MO | Home improvement loans | 90% | 31 | 26 |
The county markets where Arsenal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Arsenal Credit Union
What is Arsenal Credit Union's mortgage approval rate?
Arsenal Credit Union approved 94.3% of the 405 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.0 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan Arsenal Credit Union offers?
Borrowers accepted 98% of the loans Arsenal 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 Arsenal Credit Union make?
The typical cash-out refinance loan Arsenal Credit Union made was $55K; across all loan types its typical loan ran from $45K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arsenal Credit Union lend?
Arsenal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Missouri and Illinois.
Can I apply to Arsenal Credit Union directly?
Yes. Arsenal Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arsenal 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 Arsenal Credit Union treats applications, then get a rate quote from the lender.