Atomic 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 F 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%
3rd42.9% deniedProcesswithdrawn + incomplete share, weight 15%
30th16.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 500 | 277 | 24.2% | 30.4% | — | $43M |
| 2024 | 583 | 350 | 27.3% | 31.2% | — | $52M |
| 2025 | 694 | 332 | 35.9% | 42.9% | — | $57M |
What Atomic 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, 35 investment properties.
Who gets approved at Atomic 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 | 96 | 31 | 60.3% |
| $50k – $100k | 250 | 123 | 40.9% |
| $100k – $150k | 158 | 92 | 30.3% |
| $150k – $250k | 86 | 60 | 25.0% |
| Over $250k | 23 | 14 | 30.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 85 | 34 | 50.0% |
| 25–34 | 166 | 83 | 42.4% |
| 35–44 | 154 | 79 | 39.2% |
| 45–54 | 117 | 53 | 47.5% |
| 55–64 | 87 | 39 | 45.8% |
| 65–74 | 49 | 19 | 47.2% |
Where Atomic Credit Union lends
4 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Atomic Credit Union denied 42.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 3rd percentile of small mortgage lenders.
In 2025, 51% of its applications were for home purchases, 14% for refinancing (including cash-out), and 35% 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.