Credit Union 1 mortgage approval rate & lending review
Credit Union 1 decided 2,867 mortgage applications and funded 1,568 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union 1 reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union 1 at a glance
Approval is 14.4 points below the 69.8% 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 | 77% | 134 / 173 | 98% | $225K | 131 |
| Home improvement loans | 23% | 23 / 98 | 100% | $75K | 23 |
| Cash-out refinance | 56% | 1,349 / 2,396 | 99% | $65K | 1,333 |
| Refinance | 37% | 38 / 104 | 100% | $85K | 38 |
| Investment property purchase | 78% | 21 / 27 | 100% | $245K | 21 |
| Investment cash-out refinance | 34% | 22 / 64 | 91% | $95K | 20 |
Credit Union 1 lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 56% | $65K | 2,106 | 1,157 |
| Georgia | 56% | $75K | 295 | 163 |
| Nevada | 55% | $105K | 195 | 106 |
| Indiana | 56% | $55K | 117 | 63 |
| Florida | 37% | $105K | 62 | 23 |
| Minnesota | 69% | $65K | 26 | 17 |
| California | 45% | $255K | 20 | 9 |
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 Credit Union 1 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Cash-out refinance | 53% | 1,173 | 620 |
| DuPage County, IL | Cash-out refinance | 67% | 165 | 110 |
| Will County, IL | Cash-out refinance | 58% | 122 | 70 |
| DeKalb County, GA | Cash-out refinance | 57% | 103 | 59 |
| Lake County, IL | Cash-out refinance | 64% | 85 | 54 |
| Kane County, IL | Cash-out refinance | 68% | 57 | 38 |
| Lake County, IN | Cash-out refinance | 62% | 53 | 31 |
| Sangamon County, IL | Cash-out refinance | 64% | 45 | 28 |
| DeKalb County, IL | Cash-out refinance | 76% | 37 | 27 |
| Fulton County, GA | Cash-out refinance | 52% | 50 | 26 |
| Gwinnett County, GA | Cash-out refinance | 66% | 29 | 18 |
| Cook County, IL | Home improvement loans | 22% | 49 | 11 |
The county markets where Credit Union 1 made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union 1
What is Credit Union 1's mortgage approval rate?
Credit Union 1 approved 55.4% of the 2,867 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points below the 69.8% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union 1 offers?
Borrowers accepted 99% of the loans Credit Union 1 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 Credit Union 1 make?
The typical cash-out refinance loan Credit Union 1 made was $65K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union 1 lend?
Credit Union 1 decided applications in 12 of the states Fat Boy Data covers, most of them in Illinois, Georgia and Nevada.
Can I apply to Credit Union 1 directly?
Yes. Credit Union 1 is a bank or credit union with 59 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union 1'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 Credit Union 1 treats applications, then get a rate quote from the lender.