Premierone 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
45th26.3% deniedProcesswithdrawn + incomplete share, weight 15%
61st10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 179 | 118 | 26.8% | 27.9% | — | $24M |
| 2024 | 296 | 158 | 23.3% | 28.6% | — | $37M |
| 2025 | 315 | 206 | 23.5% | 26.3% | — | $55M |
What Premierone 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: 229 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 13 investment properties.
Who gets approved at Premierone 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 | 52 | 23 | 45.2% |
| $100k – $150k | 52 | 28 | 38.3% |
| $150k – $250k | 94 | 70 | 16.7% |
| Over $250k | 107 | 81 | 19.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 47 | 30 | 26.8% |
| 45–54 | 97 | 63 | 27.3% |
| 55–64 | 92 | 64 | 23.8% |
| 65–74 | 33 | 27 | 15.6% |
| Over 74 | 28 | 18 | 30.8% |
Frequently asked questions
Premierone Credit Union denied 26.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of home-equity (HELOC) lenders.
In 2025, 11% of its applications were for home purchases, 14% for refinancing (including cash-out), and 75% 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.