Lender profile · HMDA 2023–2025
ORSA credit union mortgage approval rates & lending data
ORSA credit union decided 2,339 mortgage applications and funded 1,693 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 433 / 454 | 76% | $195K | 329 |
| Home improvement loans | 86% | 792 / 923 | 91% | $65K | 720 |
| Cash-out refinance | 81% | 501 / 616 | 90% | $115K | 451 |
| Refinance | 85% | 192 / 225 | 69% | $105K | 132 |
| Investment property purchase | 83% | 35 / 42 | 63% | $95K | 22 |
| Investment cash-out refinance | 69% | 20 / 29 | 80% | $105K | 16 |
| Investment home improvement | 67% | 28 / 42 | 71% | $75K | 20 |
ORSA credit union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 86% | $105K | 2,330 | 1,690 |
| Florida | 75% | — | 4 | 0 |
| Louisiana | 100% | $75K | 3 | 3 |
| Tennessee | 0% | — | 1 | 0 |
| Wisconsin | 100% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.