Lender profile · HMDA 2023–2025
Bank-Fund Staff Federal Credit Union mortgage approval rates & lending data
Bank-Fund Staff Federal Credit Union decided 3,463 mortgage applications and funded 2,948 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 | 96% | 1,277 / 1,325 | 97% | $605K | 1,244 |
| Home improvement loans | 84% | 57 / 68 | 98% | $155K | 56 |
| Cash-out refinance | 88% | 1,372 / 1,564 | 97% | $165K | 1,328 |
| Refinance | 49% | 83 / 170 | 99% | $685K | 82 |
| Investment property purchase | 90% | 128 / 143 | 95% | $305K | 121 |
| Investment cash-out refinance | 71% | 109 / 153 | 97% | $255K | 106 |
| Investment refinance | 21% | 7 / 34 | 71% | $295K | 5 |
Bank-Fund Staff Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 86% | $155K | 1,132 | 950 |
| Virginia | 89% | $165K | 1,082 | 935 |
| District of Columbia | 91% | $565K | 696 | 613 |
| Florida | 79% | $175K | 102 | 76 |
| California | 84% | $355K | 67 | 54 |
| North Carolina | 73% | $205K | 41 | 29 |
| Texas | 82% | $395K | 38 | 31 |
| Massachusetts | 94% | $255K | 32 | 30 |
| New York | 82% | $795K | 28 | 23 |
| Georgia | 76% | $305K | 25 | 19 |
| New Jersey | 88% | $245K | 24 | 21 |
| Pennsylvania | 100% | $155K | 20 | 20 |
| Delaware | 83% | $285K | 18 | 14 |
| Illinois | 94% | $355K | 17 | 16 |
| Colorado | 93% | $235K | 15 | 13 |
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.