Community Choice Credit Union mortgage approval rate & lending review
Community Choice Credit Union decided 2,069 mortgage applications and funded 1,888 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community Choice Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community Choice Credit Union at a glance
Approval is 13.5 points above the 78.0% 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 | 99% | 1,002 / 1,016 | 100% | $255K | 998 |
| Home improvement loans | 79% | 461 / 580 | 100% | $55K | 461 |
| Cash-out refinance | 89% | 93 / 105 | 100% | $175K | 93 |
| Refinance | 88% | 175 / 199 | 99% | $145K | 174 |
| Investment property purchase | 98% | 86 / 88 | 100% | $155K | 86 |
| Investment cash-out refinance | 100% | 42 / 42 | 100% | $105K | 42 |
| Investment refinance | 91% | 30 / 33 | 97% | $95K | 29 |
Community Choice Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 92% | $255K | 2,069 | 1,888 |
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 Community Choice Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, IA | Mortgage lenders | 99% | 802 | 790 |
| Polk County, IA | Home improvement loans | 78% | 511 | 400 |
| Dallas County, IA | Mortgage lenders | 98% | 211 | 205 |
| Polk County, IA | Refinance | 86% | 164 | 140 |
| Polk County, IA | Cash-out refinance | 91% | 85 | 77 |
| Dallas County, IA | Home improvement loans | 88% | 65 | 57 |
| Polk County, IA | Investment property purchase | 98% | 56 | 55 |
| Polk County, IA | Investment cash-out refinance | 100% | 42 | 42 |
| Dallas County, IA | Refinance | 97% | 34 | 33 |
| Dallas County, IA | Investment property purchase | 97% | 31 | 30 |
| Polk County, IA | Investment refinance | 90% | 29 | 26 |
| Dallas County, IA | Cash-out refinance | 80% | 20 | 16 |
The county markets where Community Choice Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Community Choice Credit Union
What is Community Choice Credit Union's mortgage approval rate?
Community Choice Credit Union approved 91.5% of the 2,069 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan Community Choice Credit Union offers?
Borrowers accepted 100% of the loans Community Choice Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Community Choice Credit Union make?
The typical home purchase mortgage loan Community Choice Credit Union made was $255K; 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 Community Choice Credit Union lend?
Community Choice Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Iowa.
Can I apply to Community Choice Credit Union directly?
Yes. Community Choice Credit Union is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community Choice 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 Community Choice Credit Union treats applications, then get a rate quote from the lender.