Metro Cu mortgage approval rate & lending review
Metro Cu decided 1,082 mortgage applications and funded 784 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Metro Cu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Metro Cu at a glance
Approval is 10.6 points above the 67.2% 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 | 86% | 130 / 152 | 98% | $245K | 128 |
| Home improvement loans | 77% | 596 / 777 | 92% | $55K | 546 |
| Cash-out refinance | 80% | 61 / 76 | 95% | $105K | 58 |
| Refinance | 78% | 43 / 55 | 93% | $315K | 40 |
Metro Cu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 78% | $55K | 1,078 | 781 |
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 Metro Cu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Home improvement loans | 75% | 586 | 404 |
| Sarpy County, NE | Home improvement loans | 83% | 182 | 137 |
| Douglas County, NE | Mortgage lenders | 84% | 116 | 96 |
| Douglas County, NE | Cash-out refinance | 78% | 64 | 48 |
| Douglas County, NE | Refinance | 79% | 43 | 32 |
| Sarpy County, NE | Mortgage lenders | 91% | 33 | 30 |
The county markets where Metro Cu made the most loans. Each link opens that market with every lender ranked.
Questions about Metro Cu
What is Metro Cu's mortgage approval rate?
Metro Cu approved 77.8% of the 1,082 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points above the 67.2% national rate for the same mix of loan types.
How often do borrowers take the loan Metro Cu offers?
Borrowers accepted 93% of the loans Metro Cu approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Metro Cu make?
The typical home improvement loan loan Metro Cu made was $55K; across all loan types its typical loan ran from $55K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Metro Cu lend?
Metro Cu decided applications in 4 of the states Fat Boy Data covers, most of them in Nebraska, Arizona and Minnesota.
Can I apply to Metro Cu directly?
Yes. Metro Cu is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Metro Cu'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 Metro Cu treats applications, then get a rate quote from the lender.