Associated Credit Union mortgage approval rate & lending review
Associated Credit Union decided 2,472 mortgage applications and funded 2,109 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Associated Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Associated Credit Union at a glance
Approval is 13.4 points above the 75.9% 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 | 95% | 941 / 992 | 93% | $375K | 871 |
| Home improvement loans | 82% | 758 / 921 | 100% | $55K | 758 |
| Refinance | 91% | 433 / 474 | 96% | $175K | 417 |
| Investment property purchase | 97% | 34 / 35 | 85% | $205K | 29 |
| Investment refinance | 89% | 31 / 35 | 87% | $135K | 27 |
Associated Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 89% | $165K | 2,348 | 2,007 |
| Florida | 95% | $275K | 42 | 37 |
| South Carolina | 97% | $205K | 33 | 30 |
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 Associated Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Gwinnett County, GA | Home improvement loans | 81% | 255 | 207 |
| Gwinnett County, GA | Mortgage lenders | 93% | 180 | 158 |
| Fulton County, GA | Mortgage lenders | 97% | 141 | 132 |
| DeKalb County, GA | Home improvement loans | 85% | 144 | 122 |
| Cobb County, GA | Mortgage lenders | 98% | 125 | 111 |
| Cobb County, GA | Home improvement loans | 90% | 120 | 108 |
| DeKalb County, GA | Mortgage lenders | 93% | 114 | 98 |
| Gwinnett County, GA | Refinance | 90% | 101 | 90 |
| Fulton County, GA | Home improvement loans | 83% | 103 | 85 |
| Forsyth County, GA | Mortgage lenders | 97% | 91 | 84 |
| Cherokee County, GA | Mortgage lenders | 98% | 89 | 80 |
| Fulton County, GA | Refinance | 96% | 70 | 65 |
The county markets where Associated Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Associated Credit Union
What is Associated Credit Union's mortgage approval rate?
Associated Credit Union approved 89.3% of the 2,472 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.4 points above the 75.9% national rate for the same mix of loan types.
How often do borrowers take the loan Associated Credit Union offers?
Borrowers accepted 96% of the loans Associated 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 Associated Credit Union make?
The typical home purchase mortgage loan Associated Credit Union made was $375K; across all loan types its typical loan ran from $55K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Associated Credit Union lend?
Associated Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Georgia, Florida and South Carolina.
Can I apply to Associated Credit Union directly?
Yes. Associated Credit Union is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Associated 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 Associated Credit Union treats applications, then get a rate quote from the lender.