Achieve Financial 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 D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
5th36.0% deniedPricingmedian rate spread over APOR, weight 30%
27th0.54 ptsProcesswithdrawn + incomplete share, weight 15%
32nd15.9%Closing coststotal loan costs ÷ loan amount, weight 10%
90th0.77% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 157 | 113 | 17.8% | 19.9% | 5.74% | $8.9M |
| 2024 | 149 | 99 | 20.8% | 23.9% | 6.50% | $6.6M |
| 2025 | 132 | 71 | 30.3% | 36.0% | 6.50% | $4.6M |
What Achieve Financial 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why Achieve Financial Credit Union denies applications
Primary reason reported for each of the 40 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Achieve Financial Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 51 | 26 | 43.5% |
| $100k – $150k | 29 | 22 | 8.3% |
| $150k – $250k | 34 | 22 | 18.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 39 | 26 | 16.1% |
| 45–54 | 35 | 17 | 46.9% |
| 55–64 | 33 | 17 | 34.6% |
Where Achieve Financial Credit Union lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 132 | 71 | 30.3% | 6.50% | #147 |
Frequently asked questions
Achieve Financial Credit Union denied 36.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of small mortgage lenders.
The most common reason Achieve Financial Credit Union gave in 2025 was "credit history", cited on 62.5% 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 Achieve Financial Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.54 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 3% of its applications were for home purchases, 14% for refinancing (including cash-out), and 83% for home improvement or other purposes. By loan type: 100% 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.