CREDIT UNION 1
CREDIT UNION 1 received 1,483 applications in 2025 and made 567 mortgages, in 126 counties across 17 states. The median rate its borrowers got was 6.625% on a median loan of $75,000. Of 988 decisions, 401 were denials — 40.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005T71YXBHEO2093 |
|---|---|
| Applications received | 1,483 |
| Mortgages made | 567 |
| Denied | 401 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 495 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.9095 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | 6.688% | $225,000 | 10.8% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Cash-out refinancing | 506 | 6.625% | $70,000 | 42.1% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 45.5% |
Where CREDIT UNION 1 lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 218 | 6.750% | 45.3% |
| DuPage County, IL | 34 | 6.188% | 29.2% |
| Clark County, NV | 34 | 5.990% | 46.3% |
| DeKalb County, GA | 27 | 5.990% | 22.9% |
| DeKalb County, IL | 25 | 6.625% | 21.2% |
| Will County, IL | 24 | 6.990% | 35.9% |
| Benton County, MN | 15 | 7.250% | 20.0% |
| Lake County, IN | 14 | 6.870% | 38.5% |
| Stearns County, MN | 13 | 7.000% | 31.6% |
| Fulton County, GA | 12 | 5.990% | 36.8% |
| Sangamon County, IL | 11 | 6.500% | 29.4% |
| Kane County, IL | 10 | 6.433% | 42.1% |
| Gwinnett County, GA | 9 | Under 10 loans | 28.6% |
| Lake County, IL | 7 | Under 10 loans | 53.3% |
| Manatee County, FL | 5 | Under 10 loans | 64.3% |
| Champaign County, IL | 5 | Under 10 loans | 50.0% |
| Cobb County, GA | 4 | Under 10 loans | 33.3% |
| Newton County, GA | 4 | Under 10 loans | 0.0% |
| Kendall County, IL | 4 | Under 10 loans | 55.6% |
| Sherburne County, MN | 4 | Under 10 loans | 0.0% |
| Winnebago County, IL | 3 | Under 10 loans | 62.5% |
| Porter County, IN | 3 | Under 10 loans | 66.7% |
| St. Joseph County, IN | 3 | Under 10 loans | 20.0% |
| Macomb County, MI | 3 | Under 10 loans | 25.0% |
| Milwaukee County, WI | 3 | Under 10 loans | 40.0% |
| Waukesha County, WI | 3 | Under 10 loans | 40.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 33.3% |
| Rockdale County, GA | 2 | Under 10 loans | 0.0% |
| Coles County, IL | 2 | Under 10 loans | 0.0% |
| Douglas County, IL | 2 | Under 10 loans | 0.0% |
| McHenry County, IL | 2 | Under 10 loans | 33.3% |
| Vermilion County, IL | 2 | Under 10 loans | 33.3% |
| Hendricks County, IN | 2 | Under 10 loans | 0.0% |
| White County, IN | 2 | Under 10 loans | 33.3% |
| Scott County, IA | 2 | Under 10 loans | 33.3% |
| Oakland County, MI | 2 | Under 10 loans | 33.3% |
| Crow Wing County, MN | 2 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Morrison County, MN | 2 | Under 10 loans | 50.0% |
| Ward County, ND | 2 | Under 10 loans | 25.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 50.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 50.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 50.0% |
| Pasco County, FL | 1 | Under 10 loans | 50.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.