Centricity Credit Union mortgage approval rate & lending review
Centricity Credit Union decided 279 mortgage applications and funded 250 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centricity Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Centricity Credit Union at a glance
Approval is 22.9 points above the 70.6% 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% | 35 / 37 | 97% | $125K | 34 |
| Home improvement loans | 94% | 137 / 145 | 97% | $55K | 133 |
| Refinance | 88% | 43 / 49 | 95% | $95K | 41 |
Centricity Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 94% | $55K | 276 | 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 Centricity Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Louis County, MN | Home improvement loans | 94% | 144 | 132 |
| St. Louis County, MN | Refinance | 88% | 49 | 41 |
| St. Louis County, MN | Mortgage lenders | 97% | 36 | 34 |
The county markets where Centricity Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Centricity Credit Union
What is Centricity Credit Union's mortgage approval rate?
Centricity Credit Union approved 93.5% of the 279 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.9 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Centricity Credit Union offers?
Borrowers accepted 96% of the loans Centricity Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centricity Credit Union make?
The typical home improvement loan loan Centricity Credit Union made was $55K; across all loan types its typical loan ran from $55K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centricity Credit Union lend?
Centricity Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Minnesota, Alabama and Indiana.
Can I apply to Centricity Credit Union directly?
Yes. Centricity Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Centricity 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 Centricity Credit Union treats applications, then get a rate quote from the lender.