Lender profile · HMDA 2023–2025
F&A Federal Credit Union mortgage approval rates & lending data
F&A Federal Credit Union decided 1,363 mortgage applications and funded 1,189 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 | 100% | 279 / 279 | 87% | $645K | 242 |
| Cash-out refinance | 97% | 721 / 742 | 94% | $125K | 675 |
| Refinance | 81% | 180 / 223 | 96% | $205K | 173 |
| Investment property purchase | 94% | 63 / 67 | 90% | $305K | 57 |
| Investment cash-out refinance | 91% | 32 / 35 | 94% | $285K | 30 |
F&A Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 94% | $125K | 1,208 | 1,057 |
| Arizona | 96% | $205K | 49 | 39 |
| Nevada | 100% | $405K | 20 | 19 |
| Texas | 92% | $195K | 13 | 11 |
| Florida | 100% | $315K | 12 | 12 |
| Ohio | 90% | $65K | 10 | 9 |
| Idaho | 86% | $305K | 7 | 5 |
| Colorado | 80% | $205K | 5 | 4 |
| Oregon | 100% | $215K | 5 | 4 |
| Arkansas | 100% | $165K | 4 | 3 |
| Massachusetts | 100% | $445K | 4 | 4 |
| North Carolina | 100% | $275K | 4 | 4 |
| Montana | 100% | $335K | 3 | 3 |
| Washington | 100% | $305K | 3 | 3 |
| Hawaii | 100% | $555K | 2 | 1 |
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.