BluCurrent 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 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%
79th15.7% deniedPricingmedian rate spread over APOR, weight 30%
79th-0.50 ptsProcesswithdrawn + incomplete share, weight 15%
72nd8.6%Closing coststotal loan costs ÷ loan amount, weight 10%
52nd3.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 657 | 445 | 15.2% | 18.3% | 7.75% | $52M |
| 2024 | 693 | 466 | 17.9% | 19.6% | 8.00% | $62M |
| 2025 | 768 | 530 | 14.3% | 15.7% | 7.00% | $75M |
What BluCurrent 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: 526 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 48 investment properties.
Why BluCurrent Credit Union denies applications
Primary reason reported for each of the 110 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at BluCurrent 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 | 99 | 55 | 30.8% |
| $50k – $100k | 290 | 178 | 18.0% |
| $100k – $150k | 182 | 135 | 12.0% |
| $150k – $250k | 124 | 101 | 9.9% |
| Over $250k | 61 | 50 | 7.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 13 | 18.2% |
| 25–34 | 139 | 77 | 20.7% |
| 35–44 | 192 | 131 | 17.3% |
| 45–54 | 190 | 149 | 12.8% |
| 55–64 | 122 | 88 | 12.3% |
| 65–74 | 59 | 41 | 21.4% |
| Over 74 | 37 | 31 | 5.6% |
Where BluCurrent Credit Union lends
4 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 734 | 527 | 14.6% | 7.00% | #69 |
Frequently asked questions
BluCurrent Credit Union denied 15.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of home-equity (HELOC) lenders.
The most common reason BluCurrent Credit Union gave in 2025 was "other", cited on 38.2% 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 BluCurrent Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was -0.50 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 13% for refinancing (including cash-out), and 58% 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.