Connections 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%
94th0.9% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
87th2.7%Closing coststotal loan costs ÷ loan amount, weight 10%
31st2.44% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 219 | 197 | 5.9% | 6.2% | 8.00% | $21M |
| 2024 | 214 | 190 | 1.9% | 2.1% | 8.50% | $25M |
| 2025 | 224 | 215 | 0.9% | 0.9% | 7.50% | $37M |
What Connections 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: 88 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 4 investment properties.
Why Connections Credit Union denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Connections 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 | 62 | 60 | 1.6% |
| $50k – $100k | 86 | 81 | 1.2% |
| $100k – $150k | 42 | 41 | 0.0% |
| $150k – $250k | 26 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 42 | 39 | 2.5% |
| 45–54 | 63 | 61 | 0.0% |
| 55–64 | 56 | 54 | 0.0% |
| 65–74 | 32 | 32 | 0.0% |
Where Connections Credit Union lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Idaho | 223 | 214 | 0.9% | 7.50% | #80 |
Frequently asked questions
Connections Credit Union denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The most common reason Connections Credit Union gave in 2025 was "collateral", cited on 100.0% 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 Connections Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 7% of its applications were for home purchases, 49% 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.