Certified Credit Union mortgage approval rate & lending review
Certified Credit Union decided 340 mortgage applications and funded 291 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Certified Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Certified Credit Union at a glance
Approval is 18.2 points above the 71.3% 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 | 98% | 53 / 54 | 96% | $635K | 51 |
| Home improvement loans | 98% | 48 / 49 | 100% | $65K | 48 |
| Cash-out refinance | 87% | 181 / 209 | 94% | $85K | 170 |
Certified Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 89% | $85K | 321 | 273 |
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.
Questions about Certified Credit Union
What is Certified Credit Union's mortgage approval rate?
Certified Credit Union approved 89.4% of the 340 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.2 points above the 71.3% national rate for the same mix of loan types.
How often do borrowers take the loan Certified Credit Union offers?
Borrowers accepted 96% of the loans Certified 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 Certified Credit Union make?
The typical cash-out refinance loan Certified Credit Union made was $85K; across all loan types its typical loan ran from $65K to $635K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Certified Credit Union lend?
Certified Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Certified Credit Union directly?
Yes. Certified Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Certified 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 Certified Credit Union treats applications, then get a rate quote from the lender.