ASSEMBLIES OF GOD 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 A 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%
95th0.8% deniedPricingmedian rate spread over APOR, weight 30%
55th0.23 ptsProcesswithdrawn + incomplete share, weight 15%
52nd11.1%Closing coststotal loan costs ÷ loan amount, weight 10%
74th1.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 484 | 421 | 1.5% | 1.6% | 6.49% | $108M |
| 2024 | 407 | 355 | 1.7% | 1.9% | 6.88% | $85M |
| 2025 | 431 | 379 | 0.7% | 0.8% | 6.88% | $103M |
What ASSEMBLIES OF GOD 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, 1 manufactured homes, 21 investment properties.
Why ASSEMBLIES OF GOD Credit Union denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ASSEMBLIES OF GOD 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 | 29 | 25 | 0.0% |
| $50k – $100k | 175 | 154 | 0.0% |
| $100k – $150k | 106 | 95 | 1.0% |
| $150k – $250k | 83 | 73 | 2.7% |
| Over $250k | 37 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 25 | 0.0% |
| 25–34 | 94 | 82 | 0.0% |
| 35–44 | 111 | 96 | 1.0% |
| 45–54 | 90 | 79 | 2.5% |
| 55–64 | 64 | 57 | 0.0% |
| 65–74 | 36 | 30 | 0.0% |
Where ASSEMBLIES OF GOD Credit Union lends
20 states and 73 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
ASSEMBLIES OF GOD Credit Union denied 0.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason ASSEMBLIES OF GOD Credit Union gave in 2025 was "credit history", cited on 66.7% 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 ASSEMBLIES OF GOD Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.23 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 65% of its applications were for home purchases, 34% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 91% conventional, 7% FHA, 2% 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.