Achieva Credit Union mortgage approval rate & lending review
Achieva Credit Union decided 3,115 mortgage applications and funded 2,210 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Achieva Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Achieva Credit Union at a glance
Approval is 9.0 points above the 67.7% 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 | 84% | 387 / 458 | 98% | $305K | 380 |
| Home improvement loans | 75% | 1,669 / 2,211 | 91% | $75K | 1,514 |
| Cash-out refinance | 70% | 207 / 294 | 97% | $115K | 200 |
| Refinance | 88% | 63 / 72 | 92% | $215K | 58 |
| Investment property purchase | 86% | 49 / 57 | 96% | $335K | 47 |
Achieva Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 77% | $75K | 3,099 | 2,205 |
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 Achieva Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pinellas County, FL | Home improvement loans | 80% | 1,014 | 750 |
| Sarasota County, FL | Home improvement loans | 77% | 427 | 293 |
| Pasco County, FL | Home improvement loans | 73% | 215 | 146 |
| Pinellas County, FL | Mortgage lenders | 86% | 147 | 123 |
| Lee County, FL | Home improvement loans | 62% | 163 | 86 |
| Pinellas County, FL | Cash-out refinance | 69% | 127 | 85 |
| Manatee County, FL | Home improvement loans | 80% | 101 | 72 |
| Charlotte County, FL | Home improvement loans | 74% | 101 | 64 |
| Hillsborough County, FL | Home improvement loans | 63% | 102 | 60 |
| Sarasota County, FL | Mortgage lenders | 73% | 78 | 57 |
| Sarasota County, FL | Cash-out refinance | 77% | 57 | 43 |
| Pasco County, FL | Cash-out refinance | 76% | 34 | 26 |
The county markets where Achieva Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Achieva Credit Union
What is Achieva Credit Union's mortgage approval rate?
Achieva Credit Union approved 76.6% of the 3,115 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.0 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan Achieva Credit Union offers?
Borrowers accepted 93% of the loans Achieva 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 Achieva Credit Union make?
The typical home improvement loan loan Achieva Credit Union made was $75K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Achieva Credit Union lend?
Achieva Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Florida, Tennessee and Georgia.
Can I apply to Achieva Credit Union directly?
Yes. Achieva Credit Union is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Achieva 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 Achieva Credit Union treats applications, then get a rate quote from the lender.