Vibe Credit Union mortgage approval rate & lending review
Vibe Credit Union decided 2,213 mortgage applications and funded 1,975 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vibe Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Vibe Credit Union at a glance
Approval is 20.6 points above the 69.8% 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% | 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 |
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 Vibe Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oakland County, MI | Cash-out refinance | 92% | 915 | 830 |
| Wayne County, MI | Cash-out refinance | 86% | 369 | 317 |
| Oakland County, MI | Home improvement loans | 96% | 200 | 188 |
| Macomb County, MI | Cash-out refinance | 86% | 127 | 109 |
| Oakland County, MI | Mortgage lenders | 97% | 117 | 106 |
| Wayne County, MI | Home improvement loans | 84% | 61 | 51 |
| Livingston County, MI | Cash-out refinance | 98% | 51 | 49 |
| Genesee County, MI | Cash-out refinance | 91% | 35 | 32 |
| Macomb County, MI | Home improvement loans | 95% | 21 | 20 |
| Washtenaw County, MI | Cash-out refinance | 95% | 21 | 20 |
The county markets where Vibe Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Vibe Credit Union
What is Vibe Credit Union's mortgage approval rate?
Vibe Credit Union approved 90.3% of the 2,213 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.6 points above the 69.8% national rate for the same mix of loan types.
How often do borrowers take the loan Vibe Credit Union offers?
Borrowers accepted 99% of the loans Vibe Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Vibe Credit Union make?
The typical cash-out refinance loan Vibe Credit Union made was $55K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vibe Credit Union lend?
Vibe Credit Union decided applications in 8 of the states Fat Boy Data covers, most of them in Michigan, Arizona and Florida.
Can I apply to Vibe Credit Union directly?
Yes. Vibe Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Vibe 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 Vibe Credit Union treats applications, then get a rate quote from the lender.