Consumers Cooperative Credit Union mortgage approval rate & lending review
Consumers Cooperative Credit Union decided 4,243 mortgage applications and funded 3,397 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Consumers Cooperative Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Consumers Cooperative Credit Union at a glance
Approval is 14.8 points above the 70.4% 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 | 90% | 579 / 645 | 92% | $235K | 535 |
| Home improvement loans | 86% | 919 / 1,063 | 95% | $75K | 875 |
| Cash-out refinance | 84% | 1,890 / 2,253 | 94% | $75K | 1,782 |
| Refinance | 82% | 128 / 156 | 92% | $145K | 118 |
| Investment property purchase | 88% | 53 / 60 | 85% | $205K | 45 |
| Investment cash-out refinance | 69% | 34 / 49 | 91% | $155K | 31 |
Consumers Cooperative Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 85% | $75K | 3,689 | 2,970 |
| Wisconsin | 90% | $85K | 196 | 169 |
| Florida | 85% | $255K | 101 | 78 |
| Georgia | 83% | $95K | 29 | 22 |
| Texas | 72% | $295K | 29 | 20 |
| Tennessee | 64% | $55K | 28 | 17 |
| California | 86% | $105K | 22 | 17 |
| Indiana | 86% | $25K | 21 | 16 |
| Pennsylvania | 95% | $105K | 21 | 18 |
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 Consumers Cooperative Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IL | Cash-out refinance | 85% | 898 | 713 |
| Cook County, IL | Cash-out refinance | 83% | 539 | 430 |
| Lake County, IL | Home improvement loans | 82% | 365 | 282 |
| Cook County, IL | Home improvement loans | 88% | 241 | 199 |
| McHenry County, IL | Cash-out refinance | 87% | 212 | 176 |
| Lake County, IL | Mortgage lenders | 88% | 203 | 167 |
| Kane County, IL | Home improvement loans | 90% | 152 | 133 |
| DuPage County, IL | Cash-out refinance | 84% | 165 | 129 |
| DuPage County, IL | Home improvement loans | 91% | 90 | 81 |
| McHenry County, IL | Home improvement loans | 88% | 97 | 81 |
| Kane County, IL | Cash-out refinance | 87% | 93 | 74 |
| McHenry County, IL | Mortgage lenders | 89% | 55 | 49 |
The county markets where Consumers Cooperative Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Consumers Cooperative Credit Union
What is Consumers Cooperative Credit Union's mortgage approval rate?
Consumers Cooperative Credit Union approved 85.2% of the 4,243 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points above the 70.4% national rate for the same mix of loan types.
How often do borrowers take the loan Consumers Cooperative Credit Union offers?
Borrowers accepted 94% of the loans Consumers Cooperative 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 Consumers Cooperative Credit Union make?
The typical cash-out refinance loan Consumers Cooperative Credit Union made was $75K; across all loan types its typical loan ran from $75K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Consumers Cooperative Credit Union lend?
Consumers Cooperative Credit Union decided applications in 27 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Florida.
Can I apply to Consumers Cooperative Credit Union directly?
Yes. Consumers Cooperative Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Consumers Cooperative 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 Consumers Cooperative Credit Union treats applications, then get a rate quote from the lender.