Jolt Credit Union mortgage approval rate & lending review
Jolt Credit Union decided 299 mortgage applications and funded 255 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jolt Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Jolt Credit Union at a glance
Approval is 5.4 points above the 82.2% 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 | 95% | 179 / 188 | 99% | $145K | 177 |
| Cash-out refinance | 81% | 51 / 63 | 92% | $75K | 47 |
Jolt Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 88% | $145K | 299 | 255 |
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 Jolt Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Saginaw County, MI | Mortgage lenders | 95% | 107 | 101 |
| Bay County, MI | Mortgage lenders | 100% | 67 | 67 |
| Saginaw County, MI | Cash-out refinance | 75% | 36 | 24 |
| Bay County, MI | Cash-out refinance | 88% | 24 | 20 |
The county markets where Jolt Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Jolt Credit Union
What is Jolt Credit Union's mortgage approval rate?
Jolt Credit Union approved 87.6% of the 299 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.4 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan Jolt Credit Union offers?
Borrowers accepted 97% of the loans Jolt 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 Jolt Credit Union make?
The typical home purchase mortgage loan Jolt Credit Union made was $145K; across all loan types its typical loan ran from $75K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jolt Credit Union lend?
Jolt Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Jolt Credit Union directly?
Yes. Jolt Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Jolt 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 Jolt Credit Union treats applications, then get a rate quote from the lender.