Christian Financial Credit Union mortgage approval rate & lending review
Christian Financial Credit Union decided 684 mortgage applications and funded 445 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Christian Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Christian Financial Credit Union at a glance
Approval is 0.9 points above the 64.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 64% | 372 / 577 | 100% | $35K | 372 |
| Cash-out refinance | 77% | 55 / 71 | 100% | $45K | 55 |
Christian Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 65% | $35K | 680 | 445 |
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 Christian Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Macomb County, MI | Home improvement loans | 66% | 416 | 275 |
| Wayne County, MI | Home improvement loans | 52% | 100 | 52 |
| Macomb County, MI | Cash-out refinance | 75% | 55 | 41 |
| Oakland County, MI | Home improvement loans | 81% | 31 | 25 |
| St. Clair County, MI | Home improvement loans | 77% | 22 | 17 |
The county markets where Christian Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Christian Financial Credit Union
What is Christian Financial Credit Union's mortgage approval rate?
Christian Financial Credit Union approved 65.1% of the 684 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.9 points above the 64.1% national rate for the same mix of loan types.
How often do borrowers take the loan Christian Financial Credit Union offers?
Borrowers accepted 100% of the loans Christian Financial 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 Christian Financial Credit Union make?
The typical home improvement loan loan Christian Financial Credit Union made was $35K; across all loan types its typical loan ran from $35K to $45K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Christian Financial Credit Union lend?
Christian Financial Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Michigan, Arkansas and Florida.
Can I apply to Christian Financial Credit Union directly?
Yes. Christian Financial Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Christian Financial 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 Christian Financial Credit Union treats applications, then get a rate quote from the lender.