INFUZE 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 C 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%
5th34.9% deniedPricingmedian rate spread over APOR, weight 30%
72nd0.10 ptsProcesswithdrawn + incomplete share, weight 15%
25th18.1%Closing coststotal loan costs ÷ loan amount, weight 10%
54th1.81% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 346 | 196 | 33.0% | 35.4% | 7.74% | $11M |
| 2024 | 510 | 230 | 33.5% | 39.3% | 8.14% | $20M |
| 2025 | 640 | 285 | 28.6% | 34.9% | 6.49% | $32M |
What INFUZE 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: 237 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 9 investment properties.
Why INFUZE Credit Union denies applications
Primary reason reported for each of the 183 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at INFUZE 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 | 114 | 31 | 58.6% |
| $50k – $100k | 247 | 102 | 41.1% |
| $100k – $150k | 157 | 85 | 22.7% |
| $150k – $250k | 75 | 45 | 18.6% |
| Over $250k | 37 | 19 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 82 | 33 | 43.5% |
| 35–44 | 139 | 53 | 39.6% |
| 45–54 | 146 | 75 | 29.4% |
| 55–64 | 159 | 73 | 36.2% |
| 65–74 | 85 | 36 | 30.4% |
Where INFUZE Credit Union lends
11 states and 53 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 623 | 285 | 28.7% | 6.49% | #76 |
Frequently asked questions
INFUZE Credit Union denied 34.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of small mortgage lenders.
The most common reason INFUZE Credit Union gave in 2025 was "debt-to-income ratio", cited on 56.3% 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 INFUZE Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.10 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 7% of its applications were for home purchases, 64% for refinancing (including cash-out), and 28% 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.