Lender profile · HMDA 2023–2025
U. T. Federal Credit Union mortgage approval rates & lending data
U. T. Federal Credit Union decided 306 mortgage applications and funded 235 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 | 90% | 56 / 62 | 95% | $295K | 53 |
| Home improvement loans | 78% | 119 / 152 | 94% | $65K | 112 |
| Cash-out refinance | 82% | 42 / 51 | 88% | $75K | 37 |
U. T. Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 83% | $75K | 304 | 234 |
| Florida | 100% | $805K | 1 | 1 |
| North Carolina | 0% | — | 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.