Lender profile · HMDA 2023–2025
Credit Union One mortgage approval rates & lending data
Credit Union One decided 5,564 mortgage applications and funded 3,522 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 479 / 584 | 95% | $195K | 453 |
| Home improvement loans | 69% | 2,087 / 3,007 | 86% | $55K | 1,791 |
| Cash-out refinance | 72% | 1,169 / 1,632 | 93% | $85K | 1,084 |
| Refinance | 65% | 161 / 248 | 89% | $65K | 144 |
| Investment property purchase | 89% | 32 / 36 | 94% | $215K | 30 |
| Investment cash-out refinance | 52% | 16 / 31 | 88% | $255K | 14 |
Credit Union One lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 71% | $55K | 5,526 | 3,492 |
| Ohio | 84% | $65K | 25 | 21 |
| Indiana | 100% | $45K | 3 | 2 |
| Texas | 50% | $445K | 2 | 1 |
| Arizona | 100% | $625K | 1 | 1 |
| Florida | 100% | $185K | 1 | 1 |
| Illinois | 100% | $255K | 1 | 1 |
| Minnesota | 100% | $585K | 1 | 1 |
| Mississippi | 100% | $85K | 1 | 1 |
| North Carolina | 0% | — | 1 | 0 |
| Oklahoma | 0% | — | 1 | 0 |
| South Carolina | 100% | $405K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.