CU Community 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%
29th15.8% deniedPricingmedian rate spread over APOR, weight 30%
8th1.20 ptsProcesswithdrawn + incomplete share, weight 15%
9th26.6%Closing coststotal loan costs ÷ loan amount, weight 10%
14th3.34% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 182 | 86 | 17.6% | 20.3% | 7.50% | $11M |
| 2024 | 218 | 88 | 11.9% | 15.7% | 7.50% | $13M |
| 2025 | 173 | 77 | 11.6% | 15.8% | 7.13% | $12M |
What CU Community 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: 6 home-equity lines, 0 reverse mortgages, 16 manufactured homes, 9 investment properties.
Why CU Community denies applications
Primary reason reported for each of the 20 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CU Community
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 10 | 22.2% |
| $50k – $100k | 74 | 35 | 17.0% |
| $100k – $150k | 34 | 13 | 14.8% |
| $150k – $250k | 23 | 14 | 6.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 35 | 13 | 24.0% |
| 45–54 | 39 | 20 | 10.7% |
| 55–64 | 39 | 15 | 7.4% |
| 65–74 | 24 | 13 | 16.7% |
Where CU Community lends
5 states and 49 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 149 | 70 | 10.1% | 7.13% | #261 |
| Georgia | 15 | 3 | 13.3% | 6.50% | #609 |
| Mississippi | 5 | 1 | 60.0% | 7.63% | #354 |
Frequently asked questions
CU Community denied 15.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
The most common reason CU Community gave in 2025 was "credit history", cited on 70.0% 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 CU Community originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 1.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 23% of its applications were for home purchases, 72% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 96% conventional, 3% FHA, 1% 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.