UNCLE Credit Union mortgage approval rate & lending review
UNCLE Credit Union decided 754 mortgage applications and funded 553 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UNCLE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
UNCLE Credit Union at a glance
Approval is 7.1 points above the 66.3% 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 | 89% | 55 / 62 | 100% | $795K | 55 |
| Home improvement loans | 74% | 331 / 445 | 100% | $105K | 331 |
| Cash-out refinance | 92% | 24 / 26 | 100% | $475K | 24 |
| Refinance | 77% | 88 / 115 | 100% | $255K | 88 |
| Investment home improvement | 46% | 39 / 84 | 100% | $155K | 39 |
UNCLE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 75% | $105K | 742 | 553 |
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 UNCLE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Home improvement loans | 82% | 154 | 127 |
| San Joaquin County, CA | Home improvement loans | 70% | 173 | 121 |
| Contra Costa County, CA | Home improvement loans | 80% | 55 | 44 |
| Alameda County, CA | Refinance | 83% | 46 | 38 |
| San Joaquin County, CA | Refinance | 71% | 35 | 25 |
| Stanislaus County, CA | Home improvement loans | 57% | 21 | 12 |
| San Joaquin County, CA | Investment home improvement | 45% | 20 | 9 |
The county markets where UNCLE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about UNCLE Credit Union
What is UNCLE Credit Union's mortgage approval rate?
UNCLE Credit Union approved 73.3% of the 754 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 66.3% national rate for the same mix of loan types.
How often do borrowers take the loan UNCLE Credit Union offers?
Borrowers accepted 100% of the loans UNCLE 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 UNCLE Credit Union make?
The typical home improvement loan loan UNCLE Credit Union made was $105K; across all loan types its typical loan ran from $105K to $795K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UNCLE Credit Union lend?
UNCLE Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in California, Texas and New York.
Can I apply to UNCLE Credit Union directly?
Yes. UNCLE Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show UNCLE 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 UNCLE Credit Union treats applications, then get a rate quote from the lender.