Veridian Credit Union mortgage approval rate & lending review
Veridian Credit Union decided 13,827 mortgage applications and funded 12,524 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Veridian Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Veridian Credit Union at a glance
Approval is 15.4 points above the 76.9% 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 | 97% | 6,054 / 6,231 | 98% | $205K | 5,910 |
| Home improvement loans | 87% | 3,802 / 4,386 | 99% | $55K | 3,768 |
| Cash-out refinance | 91% | 660 / 724 | 96% | $155K | 634 |
| Refinance | 90% | 1,721 / 1,915 | 99% | $85K | 1,696 |
| Investment property purchase | 97% | 392 / 403 | 96% | $165K | 378 |
| Investment cash-out refinance | 89% | 79 / 89 | 97% | $125K | 77 |
| Investment refinance | 82% | 32 / 39 | 100% | $65K | 32 |
| Investment home improvement | 75% | 30 / 40 | 97% | $75K | 29 |
Veridian Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 93% | $155K | 10,106 | 9,219 |
| Nebraska | 91% | $215K | 2,938 | 2,637 |
| Minnesota | 90% | $105K | 693 | 607 |
| Illinois | 84% | $375K | 31 | 26 |
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 Veridian Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Black Hawk County, IA | Mortgage lenders | 98% | 2,167 | 2,071 |
| Polk County, IA | Mortgage lenders | 97% | 1,457 | 1,360 |
| Polk County, IA | Home improvement loans | 87% | 1,510 | 1,300 |
| Black Hawk County, IA | Home improvement loans | 90% | 960 | 860 |
| Douglas County, NE | Mortgage lenders | 96% | 895 | 846 |
| Linn County, IA | Mortgage lenders | 98% | 558 | 538 |
| Polk County, IA | Refinance | 91% | 582 | 523 |
| Douglas County, NE | Home improvement loans | 82% | 603 | 489 |
| Dallas County, IA | Mortgage lenders | 99% | 368 | 358 |
| Black Hawk County, IA | Refinance | 91% | 393 | 353 |
| Sarpy County, NE | Mortgage lenders | 94% | 360 | 335 |
| Linn County, IA | Home improvement loans | 90% | 363 | 324 |
The county markets where Veridian Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Veridian Credit Union
What is Veridian Credit Union's mortgage approval rate?
Veridian Credit Union approved 92.4% of the 13,827 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.4 points above the 76.9% national rate for the same mix of loan types.
How often do borrowers take the loan Veridian Credit Union offers?
Borrowers accepted 98% of the loans Veridian 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 Veridian Credit Union make?
The typical home purchase mortgage loan Veridian Credit Union made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Veridian Credit Union lend?
Veridian Credit Union decided applications in 22 of the states Fat Boy Data covers, most of them in Iowa, Nebraska and Minnesota.
Can I apply to Veridian Credit Union directly?
Yes. Veridian Credit Union is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Veridian 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 Veridian Credit Union treats applications, then get a rate quote from the lender.