Create Credit Union mortgage approval rate & lending review
Create Credit Union decided 1,007 mortgage applications and funded 799 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Create Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ccu.com.
Create Credit Union at a glance
Approval is 6.8 points above the 73.2% 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 | 88% | 279 / 318 | 99% | $365K | 277 |
| Home improvement loans | 73% | 277 / 382 | 100% | $65K | 277 |
| Cash-out refinance | 83% | 156 / 187 | 98% | $105K | 153 |
| Refinance | 74% | 31 / 42 | 97% | $395K | 30 |
| Investment property purchase | 85% | 28 / 33 | 96% | $275K | 27 |
| Investment cash-out refinance | 78% | 21 / 27 | 100% | $145K | 21 |
Create Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nevada | 80% | $105K | 1,006 | 799 |
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 Create Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clark County, NV | Home improvement loans | 72% | 381 | 276 |
The county markets where Create Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Create Credit Union
What is Create Credit Union's mortgage approval rate?
Create Credit Union approved 80.0% of the 1,007 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 73.2% national rate for the same mix of loan types.
How often do borrowers take the loan Create Credit Union offers?
Borrowers accepted 99% of the loans Create 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 Create Credit Union make?
The typical home improvement loan loan Create Credit Union made was $65K; across all loan types its typical loan ran from $65K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Create Credit Union lend?
Create Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Nevada and Ohio.
Can I apply to Create Credit Union directly?
Yes. Create Credit Union reports as a direct lender that takes applications from borrowers. Its website is ccu.com.
Does this page show Create 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 Create Credit Union treats applications, then get a rate quote from the lender.