Ascentra Credit Union mortgage approval rate & lending review
Ascentra Credit Union decided 789 mortgage applications and funded 668 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ascentra Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ascentra Credit Union at a glance
Approval is 4.2 points above the 81.1% 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 | 85% | 333 / 390 | 100% | $195K | 333 |
| Cash-out refinance | 81% | 81 / 100 | 100% | $65K | 81 |
| Refinance | 72% | 82 / 114 | 100% | $125K | 82 |
| Investment property purchase | 100% | 63 / 63 | 95% | $105K | 60 |
| Investment cash-out refinance | 94% | 49 / 52 | 98% | $75K | 48 |
| Investment refinance | 100% | 45 / 45 | 98% | $85K | 44 |
Ascentra 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 Ascentra Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Scott County, IA | Mortgage lenders | 86% | 229 | 198 |
| Rock Island County, IL | Mortgage lenders | 84% | 157 | 132 |
| Scott County, IA | Refinance | 76% | 76 | 58 |
| Scott County, IA | Cash-out refinance | 87% | 63 | 55 |
| Scott County, IA | Investment property purchase | 100% | 42 | 39 |
| Scott County, IA | Investment refinance | 100% | 32 | 31 |
| Rock Island County, IL | Cash-out refinance | 70% | 37 | 26 |
| Rock Island County, IL | Refinance | 61% | 36 | 22 |
| Rock Island County, IL | Investment property purchase | 100% | 21 | 21 |
The county markets where Ascentra Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Ascentra Credit Union
What is Ascentra Credit Union's mortgage approval rate?
Ascentra Credit Union approved 85.3% of the 789 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.2 points above the 81.1% national rate for the same mix of loan types.
How often do borrowers take the loan Ascentra Credit Union offers?
Borrowers accepted 99% of the loans Ascentra 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 Ascentra Credit Union make?
The typical home purchase mortgage loan Ascentra Credit Union made was $195K; across all loan types its typical loan ran from $65K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ascentra Credit Union lend?
Ascentra Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Iowa, Illinois and Missouri.
Can I apply to Ascentra Credit Union directly?
Yes. Ascentra Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ascentra 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 Ascentra Credit Union treats applications, then get a rate quote from the lender.