ASCENTRA 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 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%
23rd18.5% deniedPricingmedian rate spread over APOR, weight 30%
56th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
43rd13.3%Closing coststotal loan costs ÷ loan amount, weight 10%
28th2.57% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,435 | 650 | 23.6% | 34.0% | 6.50% | $67M |
| 2024 | 1,124 | 595 | 27.8% | 34.4% | 6.63% | $53M |
| 2025 | 883 | 623 | 16.1% | 18.5% | 6.50% | $68M |
What ASCENTRA 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: 197 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 96 investment properties.
Why ASCENTRA Credit Union denies applications
Primary reason reported for each of the 142 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ASCENTRA 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 | 172 | 97 | 30.7% |
| $50k – $100k | 326 | 221 | 21.6% |
| $100k – $150k | 174 | 142 | 10.1% |
| $150k – $250k | 97 | 76 | 10.6% |
| Over $250k | 27 | 16 | 23.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 37 | 28 | 15.2% |
| 25–34 | 113 | 78 | 18.8% |
| 35–44 | 195 | 125 | 21.9% |
| 45–54 | 210 | 139 | 22.8% |
| 55–64 | 131 | 98 | 18.3% |
| 65–74 | 95 | 68 | 20.9% |
| Over 74 | 37 | 26 | 10.3% |
Where ASCENTRA Credit Union lends
2 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
ASCENTRA Credit Union denied 18.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
The most common reason ASCENTRA Credit Union gave in 2025 was "credit history", cited on 42.3% 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 ASCENTRA Credit Union originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 25% for refinancing (including cash-out), and 44% 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.