Consumers Credit Union mortgage approval rate & lending review
Consumers Credit Union decided 7,240 mortgage applications and funded 6,313 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Consumers Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Consumers Credit Union at a glance
Approval is 7.4 points above the 79.9% 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% | 2,547 / 2,577 | 100% | $235K | 2,544 |
| Home improvement loans | 89% | 245 / 275 | 100% | $55K | 245 |
| Cash-out refinance | 92% | 201 / 219 | 99% | $175K | 199 |
| Refinance | 79% | 3,106 / 3,944 | 100% | $65K | 3,104 |
| Investment property purchase | 100% | 181 / 181 | 99% | $185K | 180 |
| Investment cash-out refinance | 97% | 29 / 30 | 100% | $145K | 29 |
Consumers Credit Union lending by state
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 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kalamazoo County, MI | Refinance | 83% | 1,393 | 1,154 |
| Kalamazoo County, MI | Mortgage lenders | 99% | 1,068 | 1,056 |
| Kent County, MI | Refinance | 75% | 924 | 692 |
| Kent County, MI | Mortgage lenders | 98% | 554 | 544 |
| Ottawa County, MI | Refinance | 77% | 634 | 490 |
| Allegan County, MI | Refinance | 78% | 354 | 277 |
| Ottawa County, MI | Mortgage lenders | 99% | 251 | 248 |
| Allegan County, MI | Mortgage lenders | 100% | 171 | 171 |
| Calhoun County, MI | Mortgage lenders | 98% | 158 | 155 |
| Muskegon County, MI | Refinance | 79% | 169 | 133 |
| Muskegon County, MI | Mortgage lenders | 98% | 129 | 126 |
| Calhoun County, MI | Refinance | 77% | 126 | 97 |
The county markets where Consumers Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Consumers Credit Union
What is Consumers Credit Union's mortgage approval rate?
Consumers Credit Union approved 87.3% of the 7,240 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 79.9% national rate for the same mix of loan types.
How often do borrowers take the loan Consumers Credit Union offers?
Borrowers accepted 100% of the loans Consumers 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 Consumers Credit Union make?
The typical mortgage refinance loan Consumers Credit Union made was $65K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Consumers Credit Union lend?
Consumers Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Michigan, Indiana and California.
Can I apply to Consumers Credit Union directly?
Yes. Consumers Credit Union is a bank or credit union with 61 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Consumers 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 Credit Union treats applications, then get a rate quote from the lender.