Empeople Credit Union mortgage approval rate & lending review
Empeople Credit Union decided 4,363 mortgage applications and funded 3,514 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Empeople Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Empeople Credit Union at a glance
Approval is 4.6 points above the 77.0% 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 | 89% | 1,537 / 1,728 | 98% | $265K | 1,511 |
| Home improvement loans | 76% | 683 / 898 | 99% | $55K | 676 |
| Cash-out refinance | 74% | 439 / 594 | 99% | $155K | 435 |
| Refinance | 80% | 795 / 994 | 99% | $105K | 786 |
| Investment property purchase | 86% | 71 / 83 | 100% | $165K | 71 |
Empeople Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 88% | $265K | 1,336 | 1,165 |
| Maine | 67% | $155K | 863 | 576 |
| Illinois | 85% | $105K | 593 | 496 |
| North Carolina | 87% | $255K | 264 | 228 |
| Florida | 75% | $305K | 139 | 101 |
| Georgia | 83% | $295K | 118 | 96 |
| Texas | 71% | $275K | 112 | 77 |
| Kansas | 95% | $345K | 83 | 77 |
| South Carolina | 82% | $95K | 83 | 67 |
| Wisconsin | 87% | $85K | 82 | 71 |
| Missouri | 85% | $195K | 78 | 64 |
| North Dakota | 96% | $205K | 69 | 65 |
| California | 72% | $155K | 64 | 46 |
| Minnesota | 93% | $335K | 46 | 43 |
| Colorado | 88% | $125K | 41 | 36 |
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 Empeople Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Scott County, IA | Mortgage lenders | 95% | 304 | 286 |
| Rock Island County, IL | Mortgage lenders | 88% | 202 | 174 |
| Polk County, IA | Mortgage lenders | 95% | 168 | 159 |
| Cumberland County, ME | Home improvement loans | 66% | 182 | 119 |
| Cumberland County, ME | Refinance | 73% | 153 | 111 |
| Rock Island County, IL | Refinance | 86% | 126 | 108 |
| Black Hawk County, IA | Mortgage lenders | 87% | 112 | 96 |
| Scott County, IA | Refinance | 85% | 110 | 93 |
| Scott County, IA | Home improvement loans | 89% | 88 | 77 |
| Cumberland County, ME | Cash-out refinance | 77% | 88 | 68 |
| Dallas County, IA | Mortgage lenders | 98% | 63 | 62 |
| Rock Island County, IL | Cash-out refinance | 78% | 77 | 60 |
The county markets where Empeople Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Empeople Credit Union
What is Empeople Credit Union's mortgage approval rate?
Empeople Credit Union approved 81.6% of the 4,363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.6 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Empeople Credit Union offers?
Borrowers accepted 99% of the loans Empeople 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 Empeople Credit Union make?
The typical home purchase mortgage loan Empeople Credit Union made was $265K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Empeople Credit Union lend?
Empeople Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Iowa, Maine and Illinois.
Can I apply to Empeople Credit Union directly?
Yes. Empeople Credit Union is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Empeople 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 Empeople Credit Union treats applications, then get a rate quote from the lender.