Mobility 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 F 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%
2nd44.9% deniedProcesswithdrawn + incomplete share, weight 15%
25th18.1%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd6.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 220 | 123 | 16.4% | 21.6% | 6.75% | $21M |
| 2024 | 134 | 54 | 29.9% | 38.5% | 7.38% | $6.4M |
| 2025 | 144 | 57 | 36.8% | 44.9% | 7.94% | $10M |
What Mobility 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, 0 manufactured homes, 4 investment properties.
Why Mobility Credit Union denies applications
Primary reason reported for each of the 53 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Mobility Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 11 | 59.3% |
| $100k – $150k | 28 | 11 | 47.8% |
| $150k – $250k | 39 | 10 | 48.3% |
| Over $250k | 36 | 22 | 29.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 35 | 17 | 36.4% |
| 45–54 | 41 | 19 | 37.1% |
| 55–64 | 28 | 9 | 52.4% |
| 65–74 | 22 | 6 | 53.9% |
Where Mobility Credit Union lends
2 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 143 | 56 | 37.1% | 8.38% | #484 |
Frequently asked questions
Mobility Credit Union denied 44.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Mobility Credit Union gave in 2025 was "collateral", cited on 46.2% 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 Mobility Credit Union originated in 2025 was 7.94%, and its median rate spread over the average prime offer rate was 1.59 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 19% for refinancing (including cash-out), and 63% 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.