Unitus Community Credit Union mortgage approval rate & lending review
Unitus Community Credit Union decided 2,129 mortgage applications and funded 1,273 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Unitus Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Unitus Community Credit Union at a glance
Approval is 3.4 points below the 67.9% 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 | 88% | 307 / 350 | 93% | $355K | 286 |
| Home improvement loans | 59% | 888 / 1,504 | 92% | $55K | 817 |
| Cash-out refinance | 63% | 119 / 190 | 95% | $135K | 113 |
| Refinance | 61% | 31 / 51 | 94% | $375K | 29 |
Unitus Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 65% | $65K | 1,829 | 1,106 |
| Washington | 65% | $55K | 258 | 152 |
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 Unitus Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Multnomah County, OR | Home improvement loans | 55% | 487 | 245 |
| Washington County, OR | Home improvement loans | 66% | 302 | 184 |
| Clackamas County, OR | Home improvement loans | 67% | 282 | 177 |
| Marion County, OR | Home improvement loans | 52% | 162 | 79 |
| Clark County, WA | Home improvement loans | 57% | 144 | 72 |
| Multnomah County, OR | Mortgage lenders | 83% | 93 | 71 |
| Washington County, OR | Mortgage lenders | 91% | 82 | 66 |
| Clackamas County, OR | Mortgage lenders | 92% | 59 | 51 |
| Marion County, OR | Mortgage lenders | 92% | 40 | 36 |
| Multnomah County, OR | Cash-out refinance | 56% | 55 | 30 |
| Clackamas County, OR | Cash-out refinance | 68% | 40 | 26 |
| Washington County, OR | Cash-out refinance | 65% | 31 | 20 |
The county markets where Unitus Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Unitus Community Credit Union
What is Unitus Community Credit Union's mortgage approval rate?
Unitus Community Credit Union approved 64.5% of the 2,129 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.4 points below the 67.9% national rate for the same mix of loan types.
How often do borrowers take the loan Unitus Community Credit Union offers?
Borrowers accepted 93% of the loans Unitus Community 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 Unitus Community Credit Union make?
The typical home improvement loan loan Unitus Community Credit Union made was $55K; across all loan types its typical loan ran from $55K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Unitus Community Credit Union lend?
Unitus Community Credit Union decided applications in 13 of the states Fat Boy Data covers, most of them in Oregon, Washington and Arizona.
Can I apply to Unitus Community Credit Union directly?
Yes. Unitus Community Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Unitus Community 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 Unitus Community Credit Union treats applications, then get a rate quote from the lender.