UNCLE 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%
32nd30.5% deniedPricingmedian rate spread over APOR, weight 30%
80th-0.61 ptsProcesswithdrawn + incomplete share, weight 15%
6th25.6%Closing coststotal loan costs ÷ loan amount, weight 10%
5th6.54% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 505 | 267 | 27.3% | 34.0% | 7.49% | $46M |
| 2024 | 570 | 289 | 24.9% | 33.0% | 7.49% | $84M |
| 2025 | 524 | 271 | 22.7% | 30.5% | 6.49% | $68M |
What UNCLE 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: 433 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 100 investment properties.
Why UNCLE Credit Union denies applications
Primary reason reported for each of the 119 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at UNCLE 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 | 24 | 7 | 61.1% |
| $50k – $100k | 98 | 37 | 48.6% |
| $100k – $150k | 115 | 66 | 30.5% |
| $150k – $250k | 142 | 82 | 25.5% |
| Over $250k | 138 | 79 | 16.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 12 | 40.0% |
| 35–44 | 95 | 42 | 36.4% |
| 45–54 | 139 | 79 | 28.2% |
| 55–64 | 123 | 68 | 30.6% |
| 65–74 | 73 | 38 | 34.5% |
| Over 74 | 49 | 31 | 13.9% |
Where UNCLE Credit Union lends
19 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 458 | 271 | 21.4% | 6.49% | #270 |
Frequently asked questions
UNCLE Credit Union denied 30.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of home-equity (HELOC) lenders.
The most common reason UNCLE Credit Union gave in 2025 was "debt-to-income ratio", cited on 47.1% 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 UNCLE Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was -0.61 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 13% 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.