UNITEDONE Credit Union mortgage approval rate & lending review
UNITEDONE Credit Union decided 323 mortgage applications and funded 247 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UNITEDONE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
UNITEDONE Credit Union at a glance
Approval is 5.6 points above the 76.4% 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 | 71% | 47 / 66 | 94% | $205K | 44 |
| Home improvement loans | 81% | 66 / 81 | 91% | $35K | 60 |
| Refinance | 81% | 79 / 98 | 94% | $75K | 74 |
| Investment property purchase | 97% | 32 / 33 | 88% | $185K | 28 |
| Investment refinance | 93% | 39 / 42 | 100% | $105K | 39 |
UNITEDONE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 83% | $75K | 321 | 247 |
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 UNITEDONE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sheboygan County, WI | Refinance | 82% | 94 | 72 |
| Sheboygan County, WI | Home improvement loans | 83% | 72 | 54 |
| Sheboygan County, WI | Mortgage lenders | 68% | 53 | 34 |
| Sheboygan County, WI | Investment property purchase | 95% | 21 | 18 |
The county markets where UNITEDONE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about UNITEDONE Credit Union
What is UNITEDONE Credit Union's mortgage approval rate?
UNITEDONE Credit Union approved 82.0% of the 323 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 76.4% national rate for the same mix of loan types.
How often do borrowers take the loan UNITEDONE Credit Union offers?
Borrowers accepted 93% of the loans UNITEDONE Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does UNITEDONE Credit Union make?
The typical mortgage refinance loan UNITEDONE Credit Union made was $75K; across all loan types its typical loan ran from $35K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UNITEDONE Credit Union lend?
UNITEDONE Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Wisconsin, Arizona and Massachusetts.
Can I apply to UNITEDONE Credit Union directly?
Yes. UNITEDONE Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show UNITEDONE 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 UNITEDONE Credit Union treats applications, then get a rate quote from the lender.