Scott Credit Union mortgage approval rate & lending review
Scott Credit Union decided 2,219 mortgage applications and funded 1,758 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Scott Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Scott Credit Union at a glance
Approval is 5.3 points above the 75.4% 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 | 95% | 874 / 916 | 99% | $195K | 861 |
| Home improvement loans | 63% | 490 / 777 | 100% | $55K | 490 |
| Cash-out refinance | 82% | 230 / 280 | 96% | $115K | 220 |
| Refinance | 78% | 144 / 184 | 94% | $145K | 135 |
| Investment property purchase | 98% | 46 / 47 | 98% | $105K | 45 |
Scott Credit Union lending by state
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 Scott Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Madison County, IL | Mortgage lenders | 97% | 383 | 360 |
| St. Clair County, IL | Mortgage lenders | 94% | 300 | 280 |
| St. Clair County, IL | Home improvement loans | 65% | 394 | 255 |
| Madison County, IL | Home improvement loans | 68% | 274 | 185 |
| St. Clair County, IL | Cash-out refinance | 81% | 119 | 92 |
| Madison County, IL | Cash-out refinance | 89% | 104 | 88 |
| St. Clair County, IL | Refinance | 75% | 92 | 65 |
| St. Charles County, MO | Mortgage lenders | 96% | 68 | 65 |
| Madison County, IL | Refinance | 89% | 66 | 57 |
| St. Louis County, MO | Mortgage lenders | 91% | 44 | 40 |
| St. Louis city, MO | Mortgage lenders | 91% | 44 | 40 |
| St. Clair County, IL | Investment property purchase | 100% | 22 | 21 |
The county markets where Scott Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Scott Credit Union
What is Scott Credit Union's mortgage approval rate?
Scott Credit Union approved 80.7% of the 2,219 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Scott Credit Union offers?
Borrowers accepted 98% of the loans Scott 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 Scott Credit Union make?
The typical home purchase mortgage loan Scott Credit Union made was $195K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Scott Credit Union lend?
Scott Credit Union decided applications in 13 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Florida.
Can I apply to Scott Credit Union directly?
Yes. Scott Credit Union is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Scott 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 Scott Credit Union treats applications, then get a rate quote from the lender.