City & County Credit Union mortgage approval rate & lending review
City & County Credit Union decided 611 mortgage applications and funded 476 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City & County Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City & County Credit Union at a glance
Approval is 7.2 points above the 74.1% 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 | 91% | 191 / 209 | 92% | $325K | 176 |
| Home improvement loans | 77% | 196 / 253 | 99% | $55K | 195 |
| Cash-out refinance | 78% | 28 / 36 | 89% | $205K | 25 |
| Refinance | 70% | 69 / 99 | 99% | $135K | 68 |
City & County Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 80% | $135K | 538 | 415 |
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 City & County Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ramsey County, MN | Home improvement loans | 71% | 77 | 55 |
| Washington County, MN | Home improvement loans | 82% | 62 | 50 |
| Hennepin County, MN | Home improvement loans | 69% | 42 | 29 |
| Hennepin County, MN | Refinance | 74% | 23 | 17 |
| Washington County, MN | Refinance | 72% | 25 | 17 |
The county markets where City & County Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about City & County Credit Union
What is City & County Credit Union's mortgage approval rate?
City & County Credit Union approved 81.3% of the 611 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 74.1% national rate for the same mix of loan types.
How often do borrowers take the loan City & County Credit Union offers?
Borrowers accepted 96% of the loans City & County 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 City & County Credit Union make?
The typical home improvement loan loan City & County Credit Union made was $55K; across all loan types its typical loan ran from $55K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City & County Credit Union lend?
City & County Credit Union decided applications in 26 of the states Fat Boy Data covers, most of them in Minnesota, Florida and Tennessee.
Can I apply to City & County Credit Union directly?
Yes. City & County 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 City & County 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 City & County Credit Union treats applications, then get a rate quote from the lender.