Lender profile · HMDA 2023–2025
Vibe Credit Union mortgage approval rates & lending data
Vibe Credit Union decided 2,213 mortgage applications and funded 1,975 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 214 / 221 | 97% | $195K | 207 |
| Home improvement loans | 94% | 297 / 317 | 99% | $55K | 294 |
| Cash-out refinance | 90% | 1,399 / 1,559 | 99% | $55K | 1,388 |
| Refinance | 80% | 32 / 40 | 100% | $85K | 32 |
| Investment cash-out refinance | 70% | 30 / 43 | 97% | $55K | 29 |
Vibe Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 90% | $55K | 2,203 | 1,966 |
| Arizona | 100% | $215K | 2 | 2 |
| Florida | 100% | $245K | 2 | 2 |
| Indiana | 50% | $65K | 2 | 1 |
| North Carolina | 100% | $245K | 1 | 1 |
| Ohio | 100% | $345K | 1 | 1 |
| Tennessee | 100% | $285K | 1 | 1 |
| Texas | 100% | $205K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.