GREENSTATE Credit Union mortgage approval rate & lending review
GREENSTATE Credit Union decided 35,250 mortgage applications and funded 29,556 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions GREENSTATE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
GREENSTATE Credit Union at a glance
Approval is 6.7 points above the 82.0% 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 | 88% | 20,195 / 23,033 | 94% | $205K | 19,073 |
| Home improvement loans | 87% | 3,101 / 3,553 | 92% | $55K | 2,863 |
| Cash-out refinance | 90% | 2,708 / 2,998 | 94% | $85K | 2,558 |
| Refinance | 92% | 3,729 / 4,056 | 96% | $125K | 3,580 |
| Investment property purchase | 97% | 1,234 / 1,277 | 97% | $145K | 1,201 |
| Investment cash-out refinance | 89% | 186 / 210 | 95% | $165K | 176 |
| Investment refinance | 92% | 91 / 99 | 96% | $155K | 87 |
GREENSTATE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 94% | $205K | 21,051 | 19,088 |
| Illinois | 91% | $205K | 9,620 | 8,369 |
| Michigan | 46% | $55K | 2,526 | 702 |
| Indiana | 60% | $65K | 432 | 203 |
| Wisconsin | 75% | $225K | 430 | 277 |
| Ohio | 54% | $45K | 302 | 104 |
| Nebraska | 95% | $295K | 171 | 152 |
| Florida | 90% | $355K | 129 | 112 |
| Colorado | 98% | $485K | 99 | 96 |
| Arizona | 96% | $505K | 73 | 65 |
| Minnesota | 99% | $385K | 67 | 63 |
| Texas | 94% | $425K | 49 | 45 |
| Missouri | 90% | $195K | 42 | 38 |
| California | 96% | $565K | 24 | 23 |
| North Carolina | 100% | $365K | 24 | 23 |
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 GREENSTATE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, IA | Mortgage lenders | 95% | 3,309 | 3,033 |
| Linn County, IA | Mortgage lenders | 95% | 2,907 | 2,681 |
| Johnson County, IA | Mortgage lenders | 99% | 2,414 | 2,344 |
| Cook County, IL | Mortgage lenders | 84% | 2,141 | 1,702 |
| Black Hawk County, IA | Mortgage lenders | 98% | 1,423 | 1,373 |
| Winnebago County, IL | Mortgage lenders | 96% | 1,367 | 1,295 |
| Scott County, IA | Mortgage lenders | 98% | 1,176 | 1,137 |
| Dallas County, IA | Mortgage lenders | 98% | 962 | 918 |
| Johnson County, IA | Refinance | 94% | 965 | 879 |
| Linn County, IA | Refinance | 92% | 757 | 667 |
| Kane County, IL | Mortgage lenders | 98% | 617 | 603 |
| Johnson County, IA | Home improvement loans | 93% | 691 | 593 |
The county markets where GREENSTATE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about GREENSTATE Credit Union
What is GREENSTATE Credit Union's mortgage approval rate?
GREENSTATE Credit Union approved 88.7% of the 35,250 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.7 points above the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan GREENSTATE Credit Union offers?
Borrowers accepted 95% of the loans GREENSTATE 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 GREENSTATE Credit Union make?
The typical home purchase mortgage loan GREENSTATE Credit Union made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does GREENSTATE Credit Union lend?
GREENSTATE Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Iowa, Illinois and Michigan.
Can I apply to GREENSTATE Credit Union directly?
Yes. GREENSTATE 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 GREENSTATE 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 GREENSTATE Credit Union treats applications, then get a rate quote from the lender.