Mid American Credit Union mortgage approval rate & lending review
Mid American Credit Union decided 300 mortgage applications and funded 269 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mid American Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mid American Credit Union at a glance
Approval is 17.0 points above the 73.0% 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 | 82% | 88 / 107 | 99% | $215K | 87 |
| Home improvement loans | 97% | 129 / 133 | 100% | $45K | 129 |
| Cash-out refinance | 88% | 46 / 52 | 100% | $55K | 46 |
Mid American Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 91% | $45K | 289 | 261 |
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 Mid American Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Home improvement loans | 97% | 115 | 111 |
| Sedgwick County, KS | Mortgage lenders | 83% | 93 | 76 |
| Sedgwick County, KS | Cash-out refinance | 89% | 47 | 42 |
The county markets where Mid American Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mid American Credit Union
What is Mid American Credit Union's mortgage approval rate?
Mid American Credit Union approved 90.0% of the 300 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.0 points above the 73.0% national rate for the same mix of loan types.
How often do borrowers take the loan Mid American Credit Union offers?
Borrowers accepted 100% of the loans Mid American Credit Union 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 Mid American Credit Union make?
The typical home improvement loan loan Mid American Credit Union made was $45K; across all loan types its typical loan ran from $45K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mid American Credit Union lend?
Mid American Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Nebraska.
Can I apply to Mid American Credit Union directly?
Yes. Mid American 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 Mid American 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 Mid American Credit Union treats applications, then get a rate quote from the lender.