University of Michigan Credit Union mortgage approval rate & lending review
University of Michigan Credit Union decided 1,734 mortgage applications and funded 1,404 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions University of Michigan Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
University of Michigan Credit Union at a glance
Approval is 21.8 points above the 72.1% 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 | 97% | 562 / 580 | 78% | $305K | 438 |
| Home improvement loans | 95% | 844 / 884 | 93% | $105K | 781 |
| Cash-out refinance | 80% | 136 / 170 | 82% | $205K | 112 |
| Refinance | 81% | 46 / 57 | 78% | $155K | 36 |
University of Michigan Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 94% | $105K | 1,734 | 1,404 |
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 University of Michigan Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Washtenaw County, MI | Home improvement loans | 97% | 526 | 481 |
| Washtenaw County, MI | Mortgage lenders | 98% | 289 | 225 |
| Wayne County, MI | Home improvement loans | 92% | 131 | 106 |
| Washtenaw County, MI | Cash-out refinance | 86% | 90 | 66 |
| Oakland County, MI | Home improvement loans | 93% | 59 | 48 |
| Livingston County, MI | Home improvement loans | 96% | 51 | 47 |
| Genesee County, MI | Home improvement loans | 96% | 47 | 39 |
| Washtenaw County, MI | Refinance | 84% | 37 | 23 |
| Livingston County, MI | Mortgage lenders | 92% | 24 | 19 |
| Jackson County, MI | Home improvement loans | 82% | 22 | 18 |
The county markets where University of Michigan Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about University of Michigan Credit Union
What is University of Michigan Credit Union's mortgage approval rate?
University of Michigan Credit Union approved 93.9% of the 1,734 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.8 points above the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan University of Michigan Credit Union offers?
Borrowers accepted 86% of the loans University of Michigan 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 University of Michigan Credit Union make?
The typical home improvement loan loan University of Michigan Credit Union made was $105K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does University of Michigan Credit Union lend?
University of Michigan Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to University of Michigan Credit Union directly?
Yes. University of Michigan Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show University of Michigan 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 University of Michigan Credit Union treats applications, then get a rate quote from the lender.