Dow Credit Union mortgage approval rate & lending review
Dow Credit Union decided 381 mortgage applications and funded 364 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dow Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dow Credit Union at a glance
Approval is 15.9 points above the 80.2% 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 | 98% | 236 / 241 | 100% | $175K | 235 |
| Home improvement loans | 97% | 66 / 68 | 100% | $45K | 66 |
| Cash-out refinance | 87% | 39 / 45 | 100% | $105K | 39 |
Dow Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 96% | $175K | 381 | 364 |
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 Dow Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bay County, MI | Mortgage lenders | 98% | 90 | 88 |
| Saginaw County, MI | Mortgage lenders | 96% | 85 | 81 |
| Bay County, MI | Home improvement loans | 100% | 26 | 26 |
| Saginaw County, MI | Home improvement loans | 100% | 25 | 25 |
| Bay County, MI | Cash-out refinance | 81% | 21 | 17 |
The county markets where Dow Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Dow Credit Union
What is Dow Credit Union's mortgage approval rate?
Dow Credit Union approved 96.1% of the 381 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.9 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan Dow Credit Union offers?
Borrowers accepted 99% of the loans Dow Credit Union 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 Dow Credit Union make?
The typical home purchase mortgage loan Dow Credit Union made was $175K; across all loan types its typical loan ran from $45K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dow Credit Union lend?
Dow Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Dow Credit Union directly?
Yes. Dow Credit Union is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dow 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 Dow Credit Union treats applications, then get a rate quote from the lender.