Credit Union One mortgage approval rate & lending review
Credit Union One decided 5,564 mortgage applications and funded 3,522 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union One reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union One at a glance
Approval is 3.3 points above the 67.7% 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 | 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
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 One lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oakland County, MI | Home improvement loans | 74% | 887 | 564 |
| Wayne County, MI | Home improvement loans | 58% | 794 | 385 |
| Macomb County, MI | Home improvement loans | 70% | 632 | 380 |
| Oakland County, MI | Cash-out refinance | 76% | 483 | 333 |
| Macomb County, MI | Cash-out refinance | 71% | 396 | 264 |
| Wayne County, MI | Cash-out refinance | 64% | 385 | 225 |
| Oakland County, MI | Mortgage lenders | 81% | 161 | 124 |
| Macomb County, MI | Mortgage lenders | 85% | 142 | 118 |
| Genesee County, MI | Home improvement loans | 64% | 180 | 95 |
| Kent County, MI | Home improvement loans | 80% | 128 | 94 |
| Kent County, MI | Cash-out refinance | 80% | 111 | 86 |
| Washtenaw County, MI | Home improvement loans | 83% | 94 | 64 |
The county markets where Credit Union One made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union One
What is Credit Union One's mortgage approval rate?
Credit Union One approved 71.0% of the 5,564 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.3 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union One offers?
Borrowers accepted 89% of the loans Credit Union One 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 Credit Union One make?
The typical home improvement loan loan Credit Union One made was $55K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union One lend?
Credit Union One decided applications in 12 of the states Fat Boy Data covers, most of them in Michigan, Ohio and Indiana.
Can I apply to Credit Union One directly?
Yes. Credit Union One is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union One'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 One treats applications, then get a rate quote from the lender.