Voyage 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 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%
35th13.3% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 89 | 66 | 10.1% | 11.1% | — | $9.9M |
| 2024 | 127 | 78 | 24.4% | 27.9% | — | $9.0M |
| 2025 | 120 | 77 | 11.7% | 13.3% | — | $12M |
What Voyage 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Who gets approved at Voyage Federal 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 | 44 | 23 | 25.7% |
| $100k – $150k | 40 | 28 | 8.1% |
| $150k – $250k | 23 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 28 | 16 | 17.4% |
| 45–54 | 30 | 22 | 13.8% |
| 55–64 | 27 | 21 | 4.4% |
Where Voyage Federal Credit Union lends
4 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Dakota | 113 | 74 | 12.4% | — | #53 |
Frequently asked questions
Voyage Federal Credit Union denied 13.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
In 2025, 18% of its applications were for home purchases, 78% for refinancing (including cash-out), and 3% 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.