Abound Federal Credit Union mortgage approval rate & lending review
Abound Federal Credit Union decided 1,715 mortgage applications and funded 1,466 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Abound Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Abound Federal Credit Union at a glance
Approval is 12.3 points above the 73.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 450 / 490 | 100% | $245K | 449 |
| Home improvement loans | 88% | 461 / 525 | 100% | $65K | 461 |
| Cash-out refinance | 79% | 332 / 419 | 100% | $105K | 332 |
| Refinance | 78% | 132 / 169 | 100% | $95K | 132 |
| Investment property purchase | 90% | 37 / 41 | 97% | $145K | 36 |
| Investment cash-out refinance | 69% | 20 / 29 | 100% | $115K | 20 |
Abound Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 86% | $105K | 1,696 | 1,450 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Abound Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hardin County, KY | Home improvement loans | 91% | 334 | 305 |
| Hardin County, KY | Cash-out refinance | 79% | 299 | 237 |
| Hardin County, KY | Mortgage lenders | 91% | 247 | 225 |
| Hardin County, KY | Refinance | 76% | 118 | 90 |
| Warren County, KY | Mortgage lenders | 92% | 92 | 84 |
| Warren County, KY | Home improvement loans | 81% | 102 | 83 |
| Jefferson County, KY | Home improvement loans | 81% | 78 | 63 |
| Warren County, KY | Cash-out refinance | 79% | 78 | 62 |
| Daviess County, KY | Mortgage lenders | 97% | 29 | 28 |
| Jefferson County, KY | Cash-out refinance | 82% | 34 | 28 |
| Warren County, KY | Refinance | 79% | 29 | 23 |
The county markets where Abound Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Abound Federal Credit Union
What is Abound Federal Credit Union's mortgage approval rate?
Abound Federal Credit Union approved 85.6% of the 1,715 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Abound Federal Credit Union offers?
Borrowers accepted 100% of the loans Abound Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Abound Federal Credit Union make?
The typical home improvement loan loan Abound Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Abound Federal Credit Union lend?
Abound Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Alabama.
Can I apply to Abound Federal Credit Union directly?
Yes. Abound Federal Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Abound Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Abound Federal Credit Union treats applications, then get a rate quote from the lender.