Leaders Credit Union mortgage approval rate & lending review
Leaders Credit Union decided 516 mortgage applications and funded 431 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Leaders Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Leaders Credit Union at a glance
Approval is 3.1 points above the 80.4% 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 | 91% | 282 / 309 | 100% | $285K | 282 |
| Home improvement loans | 75% | 76 / 101 | 100% | $55K | 76 |
| Refinance | 89% | 57 / 64 | 100% | $205K | 57 |
Leaders Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 83% | $285K | 451 | 376 |
| Mississippi | 80% | $275K | 30 | 24 |
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 Leaders Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Mortgage lenders | 92% | 230 | 212 |
| Shelby County, TN | Home improvement loans | 77% | 81 | 62 |
| Shelby County, TN | Refinance | 96% | 50 | 48 |
The county markets where Leaders Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Leaders Credit Union
What is Leaders Credit Union's mortgage approval rate?
Leaders Credit Union approved 83.5% of the 516 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.1 points above the 80.4% national rate for the same mix of loan types.
How often do borrowers take the loan Leaders Credit Union offers?
Borrowers accepted 100% of the loans Leaders 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 Leaders Credit Union make?
The typical home purchase mortgage loan Leaders Credit Union made was $285K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Leaders Credit Union lend?
Leaders Credit Union decided applications in 14 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Arkansas.
Can I apply to Leaders Credit Union directly?
Yes. Leaders Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Leaders 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 Leaders Credit Union treats applications, then get a rate quote from the lender.