Lender profile · HMDA 2023–2025
Empeople Credit Union mortgage approval rates & lending data
Empeople Credit Union decided 4,363 mortgage applications and funded 3,514 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 | 89% | 1,537 / 1,728 | 98% | $265K | 1,511 |
| Home improvement loans | 76% | 683 / 898 | 99% | $55K | 676 |
| Cash-out refinance | 74% | 439 / 594 | 99% | $155K | 435 |
| Refinance | 80% | 795 / 994 | 99% | $105K | 786 |
| Investment property purchase | 86% | 71 / 83 | 100% | $165K | 71 |
Empeople Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 88% | $265K | 1,336 | 1,165 |
| Maine | 67% | $155K | 863 | 576 |
| Illinois | 85% | $105K | 593 | 496 |
| North Carolina | 87% | $255K | 264 | 228 |
| Florida | 75% | $305K | 139 | 101 |
| Georgia | 83% | $295K | 118 | 96 |
| Texas | 71% | $275K | 112 | 77 |
| Kansas | 95% | $345K | 83 | 77 |
| South Carolina | 82% | $95K | 83 | 67 |
| Wisconsin | 87% | $85K | 82 | 71 |
| Missouri | 85% | $195K | 78 | 64 |
| North Dakota | 96% | $205K | 69 | 65 |
| California | 72% | $155K | 64 | 46 |
| Minnesota | 93% | $335K | 46 | 43 |
| Colorado | 88% | $125K | 41 | 36 |
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.