Peak Credit Union mortgage approval rate & lending review
Peak Credit Union decided 2,641 mortgage applications and funded 1,813 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peak Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peak Credit Union at a glance
Approval is 0.9 points above the 69.3% 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 | 75% | 362 / 484 | 98% | $345K | 356 |
| Home improvement loans | 70% | 1,174 / 1,673 | 98% | $65K | 1,149 |
| Cash-out refinance | 69% | 85 / 123 | 96% | $215K | 82 |
| Refinance | 67% | 210 / 313 | 98% | $105K | 205 |
Peak Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 74% | $55K | 1,415 | 1,020 |
| Washington | 66% | $65K | 1,224 | 793 |
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 Peak Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Thurston County, WA | Home improvement loans | 74% | 506 | 371 |
| Lane County, OR | Home improvement loans | 74% | 372 | 261 |
| Douglas County, OR | Home improvement loans | 68% | 156 | 103 |
| Lane County, OR | Mortgage lenders | 86% | 118 | 101 |
| Clark County, WA | Home improvement loans | 63% | 131 | 81 |
| Thurston County, WA | Mortgage lenders | 60% | 124 | 72 |
| Thurston County, WA | Refinance | 73% | 99 | 70 |
| Jackson County, OR | Home improvement loans | 64% | 104 | 64 |
| Douglas County, OR | Mortgage lenders | 90% | 62 | 54 |
| Linn County, OR | Home improvement loans | 77% | 66 | 51 |
| Deschutes County, OR | Home improvement loans | 76% | 66 | 50 |
| Pierce County, WA | Home improvement loans | 54% | 89 | 47 |
The county markets where Peak Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Peak Credit Union
What is Peak Credit Union's mortgage approval rate?
Peak Credit Union approved 70.1% of the 2,641 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.9 points above the 69.3% national rate for the same mix of loan types.
How often do borrowers take the loan Peak Credit Union offers?
Borrowers accepted 98% of the loans Peak 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 Peak Credit Union make?
The typical home improvement loan loan Peak Credit Union made was $65K; across all loan types its typical loan ran from $65K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peak Credit Union lend?
Peak Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Oregon, Washington and Michigan.
Can I apply to Peak Credit Union directly?
Yes. Peak Credit Union is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peak 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 Peak Credit Union treats applications, then get a rate quote from the lender.