Achieva Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
40th28.3% deniedPricingmedian rate spread over APOR, weight 30%
46th0.20 ptsProcesswithdrawn + incomplete share, weight 15%
83rd6.5%Closing coststotal loan costs ÷ loan amount, weight 10%
29th3.99% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,988 | 1,175 | 31.4% | 32.3% | 5.99% | $149M |
| 2024 | 1,716 | 1,094 | 25.9% | 27.2% | 8.50% | $154M |
| 2025 | 2,124 | 1,316 | 26.5% | 28.3% | 7.25% | $200M |
What Achieva Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,592 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 4 investment properties.
Why Achieva Credit Union denies applications
Primary reason reported for each of the 563 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Achieva Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 236 | 73 | 63.9% |
| $50k – $100k | 820 | 494 | 29.4% |
| $100k – $150k | 531 | 369 | 20.2% |
| $150k – $250k | 374 | 272 | 17.0% |
| Over $250k | 160 | 108 | 21.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 134 | 69 | 40.0% |
| 35–44 | 349 | 210 | 30.0% |
| 45–54 | 493 | 289 | 30.8% |
| 55–64 | 531 | 360 | 23.4% |
| 65–74 | 406 | 257 | 27.4% |
| Over 74 | 201 | 126 | 26.7% |
Where Achieva Credit Union lends
4 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Achieva Credit Union denied 28.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of home-equity (HELOC) lenders.
The most common reason Achieva Credit Union gave in 2025 was "debt-to-income ratio", cited on 48.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Achieva Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 7% for refinancing (including cash-out), and 81% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.