City-County 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%
15th22.8% deniedPricingmedian rate spread over APOR, weight 30%
11th1.04 ptsProcesswithdrawn + incomplete share, weight 15%
18th20.7%Closing coststotal loan costs ÷ loan amount, weight 10%
91st0.71% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 504 | 275 | 24.8% | 31.2% | 6.49% | $39M |
| 2024 | 350 | 184 | 22.0% | 28.4% | 6.99% | $33M |
| 2025 | 421 | 246 | 18.1% | 22.8% | 7.00% | $50M |
What City-County 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, 5 investment properties.
Why City-County Credit Union denies applications
Primary reason reported for each of the 76 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at City-County 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 | 7 | 66.7% |
| $50k – $100k | 127 | 62 | 31.5% |
| $100k – $150k | 105 | 66 | 16.5% |
| $150k – $250k | 108 | 75 | 13.2% |
| Over $250k | 51 | 36 | 9.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 28 | 11.1% |
| 35–44 | 84 | 51 | 20.9% |
| 45–54 | 114 | 62 | 28.3% |
| 55–64 | 104 | 65 | 20.5% |
| 65–74 | 54 | 31 | 22.0% |
Where City-County Credit Union lends
24 states and 76 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
City-County Credit Union denied 22.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason City-County Credit Union gave in 2025 was "other", cited on 35.5% 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 City-County Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 1.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 21% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.