Verve, A Credit Union mortgage approval rate & lending review
Verve, A Credit Union decided 1,322 mortgage applications and funded 1,128 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Verve, A Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Verve, A Credit Union at a glance
Approval is 16.7 points above the 72.0% 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 | 93% | 331 / 356 | 92% | $205K | 305 |
| Home improvement loans | 87% | 566 / 648 | 98% | $55K | 553 |
| Cash-out refinance | 81% | 114 / 140 | 96% | $105K | 109 |
| Refinance | 86% | 63 / 73 | 98% | $85K | 62 |
| Investment property purchase | 98% | 40 / 41 | 100% | $155K | 40 |
| Investment refinance | 100% | 34 / 34 | 100% | $125K | 34 |
Verve, A Credit Union lending by state
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 Verve, A Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Winnebago County, WI | Home improvement loans | 92% | 330 | 299 |
| Winnebago County, WI | Mortgage lenders | 94% | 194 | 172 |
| Fond du Lac County, WI | Home improvement loans | 81% | 182 | 145 |
| Fond du Lac County, WI | Mortgage lenders | 85% | 75 | 60 |
| Winnebago County, WI | Cash-out refinance | 88% | 67 | 57 |
| La Crosse County, WI | Home improvement loans | 94% | 50 | 43 |
| Outagamie County, WI | Home improvement loans | 90% | 39 | 35 |
| Fond du Lac County, WI | Cash-out refinance | 79% | 43 | 33 |
| Winnebago County, WI | Refinance | 87% | 38 | 33 |
| Outagamie County, WI | Mortgage lenders | 97% | 32 | 24 |
| Fond du Lac County, WI | Refinance | 92% | 24 | 21 |
| Winnebago County, WI | Investment property purchase | 95% | 20 | 19 |
The county markets where Verve, A Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Verve, A Credit Union
What is Verve, A Credit Union's mortgage approval rate?
Verve, A Credit Union approved 88.7% of the 1,322 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.7 points above the 72.0% national rate for the same mix of loan types.
How often do borrowers take the loan Verve, A Credit Union offers?
Borrowers accepted 96% of the loans Verve, A 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 Verve, A Credit Union make?
The typical home improvement loan loan Verve, A Credit Union made was $55K; 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 Verve, A Credit Union lend?
Verve, A Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Minnesota.
Can I apply to Verve, A Credit Union directly?
Yes. Verve, A Credit Union is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Verve, A 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 Verve, A Credit Union treats applications, then get a rate quote from the lender.