City Credit Union mortgage approval rate & lending review
City Credit Union decided 361 mortgage applications and funded 308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City Credit Union at a glance
Approval is 12.2 points above the 73.4% 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 | 100% | 76 / 76 | 100% | $255K | 76 |
| Home improvement loans | 66% | 59 / 89 | 100% | $55K | 59 |
| Cash-out refinance | 79% | 71 / 90 | 100% | $115K | 71 |
| Refinance | 97% | 102 / 105 | 99% | $95K | 101 |
City Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 86% | $95K | 361 | 308 |
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 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dallas County, TX | Refinance | 95% | 65 | 61 |
| Dallas County, TX | Cash-out refinance | 77% | 61 | 47 |
| Dallas County, TX | Home improvement loans | 63% | 49 | 31 |
The county markets where City Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about City Credit Union
What is City Credit Union's mortgage approval rate?
City Credit Union approved 85.6% of the 361 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 73.4% national rate for the same mix of loan types.
How often do borrowers take the loan City Credit Union offers?
Borrowers accepted 100% of the loans City Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does City Credit Union make?
The typical mortgage refinance loan City Credit Union made was $95K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City Credit Union lend?
City Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to City Credit Union directly?
Yes. City Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show City 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 Credit Union treats applications, then get a rate quote from the lender.