Credit Union of America mortgage approval rate & lending review
Credit Union of America decided 3,075 mortgage applications and funded 1,842 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union of America reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union of America at a glance
Approval is 1.0 points below the 76.5% 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 | 78% | 983 / 1,260 | 74% | $195K | 724 |
| Home improvement loans | 72% | 743 / 1,027 | 84% | $45K | 623 |
| Cash-out refinance | 57% | 51 / 89 | 59% | $125K | 30 |
| Refinance | 81% | 456 / 566 | 88% | $65K | 403 |
| Investment property purchase | 72% | 62 / 86 | 71% | $95K | 44 |
Credit Union of America lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 76% | $65K | 3,047 | 1,834 |
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 of America lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 78% | 1,226 | 709 |
| Sedgwick County, KS | Home improvement loans | 72% | 1,012 | 616 |
| Sedgwick County, KS | Refinance | 81% | 558 | 401 |
| Sedgwick County, KS | Investment property purchase | 72% | 83 | 43 |
| Sedgwick County, KS | Cash-out refinance | 57% | 89 | 30 |
| Sedgwick County, KS | Investment refinance | 59% | 22 | 11 |
| Sedgwick County, KS | Investment cash-out refinance | 48% | 23 | 6 |
The county markets where Credit Union of America made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union of America
What is Credit Union of America's mortgage approval rate?
Credit Union of America approved 75.4% of the 3,075 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points below the 76.5% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union of America offers?
Borrowers accepted 79% of the loans Credit Union of America 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 Credit Union of America make?
The typical home purchase mortgage loan Credit Union of America made was $195K; across all loan types its typical loan ran from $45K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union of America lend?
Credit Union of America decided applications in 9 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Texas.
Can I apply to Credit Union of America directly?
Yes. Credit Union of America is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union of America'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 of America treats applications, then get a rate quote from the lender.