Coosa Pines Federal 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 B 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%
72nd5.1% deniedProcesswithdrawn + incomplete share, weight 15%
31st16.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 123 | 100 | 9.8% | 10.7% | — | $12M |
| 2024 | 143 | 121 | 4.9% | 5.3% | — | $19M |
| 2025 | 163 | 130 | 4.3% | 5.1% | — | $18M |
What Coosa Pines Federal 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, 5 manufactured homes, 8 investment properties.
Who gets approved at Coosa Pines Federal 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 | 40 | 30 | 9.1% |
| $50k – $100k | 48 | 41 | 2.4% |
| $100k – $150k | 38 | 30 | 3.2% |
| $150k – $250k | 27 | 22 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 18 | 5.3% |
| 35–44 | 27 | 18 | 10.0% |
| 45–54 | 38 | 30 | 6.3% |
| 55–64 | 35 | 32 | 3.0% |
| 65–74 | 20 | 14 | 6.7% |
Frequently asked questions
Coosa Pines Federal Credit Union denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
In 2025, 21% of its applications were for home purchases, 79% for refinancing (including cash-out), and 0% 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.