Ume 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 A 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%
99th3.9% deniedPricingmedian rate spread over APOR, weight 30%
79th-0.51 ptsProcesswithdrawn + incomplete share, weight 15%
91st3.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 135 | 113 | 7.4% | 7.5% | 5.99% | $24M |
| 2024 | 127 | 109 | 6.3% | 6.3% | 5.99% | $24M |
| 2025 | 108 | 94 | 3.7% | 3.9% | 5.99% | $27M |
What Ume 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: 93 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Ume Federal Credit Union denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ume Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 26 | 23 | 4.0% |
| $150k – $250k | 39 | 36 | 2.6% |
| Over $250k | 30 | 25 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 27 | 23 | 0.0% |
| 55–64 | 36 | 33 | 2.9% |
Where Ume Federal Credit Union lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 108 | 94 | 3.7% | 5.99% | #430 |
Frequently asked questions
Ume Federal Credit Union denied 3.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 99th percentile of home-equity (HELOC) lenders.
The most common reason Ume Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 75.0% 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 Ume Federal Credit Union originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -0.51 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 3% of its applications were for home purchases, 12% for refinancing (including cash-out), and 85% 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.