Lender profile · HMDA 2023–2025
University Credit Union (California) mortgage approval rates & lending data
University Credit Union (California) decided 505 mortgage applications and funded 297 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 | 92% | 71 / 77 | 96% | $495K | 68 |
| Home improvement loans | 51% | 169 / 331 | 93% | $125K | 157 |
| Cash-out refinance | 78% | 43 / 55 | 100% | $305K | 43 |
University Credit Union (California) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 61% | $125K | 437 | 252 |
| Texas | 56% | $305K | 9 | 5 |
| Arizona | 100% | $395K | 7 | 7 |
| Illinois | 86% | $105K | 7 | 6 |
| Washington | 57% | $105K | 7 | 4 |
| Florida | 60% | $125K | 5 | 3 |
| Colorado | 25% | $235K | 4 | 1 |
| Idaho | 33% | $285K | 3 | 1 |
| Arkansas | 100% | $235K | 2 | 2 |
| Georgia | 100% | $455K | 2 | 2 |
| Hawaii | 50% | $405K | 2 | 1 |
| Maryland | 100% | $75K | 2 | 2 |
| Missouri | 0% | — | 2 | 0 |
| New Jersey | 50% | $75K | 2 | 1 |
| Ohio | 100% | $545K | 2 | 2 |
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.