IAA Credit Union mortgage approval rate & lending review
IAA Credit Union decided 260 mortgage applications and funded 252 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions IAA Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
IAA Credit Union at a glance
Approval is 14.9 points above the 82.1% 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 | 99% | 155 / 157 | 100% | $205K | 155 |
| Cash-out refinance | 96% | 51 / 53 | 100% | $115K | 51 |
| Refinance | 87% | 27 / 31 | 100% | $175K | 27 |
IAA Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 97% | $205K | 201 | 194 |
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 IAA Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLean County, IL | Mortgage lenders | 99% | 101 | 100 |
| McLean County, IL | Cash-out refinance | 97% | 33 | 32 |
The county markets where IAA Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about IAA Credit Union
What is IAA Credit Union's mortgage approval rate?
IAA Credit Union approved 96.9% of the 260 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 82.1% national rate for the same mix of loan types.
How often do borrowers take the loan IAA Credit Union offers?
Borrowers accepted 100% of the loans IAA 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 IAA Credit Union make?
The typical home purchase mortgage loan IAA Credit Union made was $205K; across all loan types its typical loan ran from $115K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does IAA Credit Union lend?
IAA Credit Union decided applications in 19 of the states Fat Boy Data covers, most of them in Illinois, Georgia and Florida.
Can I apply to IAA Credit Union directly?
Yes. IAA 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 IAA 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 IAA Credit Union treats applications, then get a rate quote from the lender.