Align Credit Union mortgage approval rate & lending review
Align Credit Union decided 1,057 mortgage applications and funded 730 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Align Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Align Credit Union at a glance
Approval is 0.8 points above the 69.7% 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 | 62% | 56 / 90 | 98% | $365K | 55 |
| Home improvement loans | 73% | 420 / 574 | 98% | $105K | 411 |
| Refinance | 70% | 239 / 342 | 97% | $155K | 233 |
Align Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 71% | $105K | 902 | 622 |
| New Hampshire | 72% | $65K | 149 | 106 |
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 Align Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Home improvement loans | 75% | 266 | 193 |
| Middlesex County, MA | Home improvement loans | 74% | 156 | 113 |
| Essex County, MA | Refinance | 72% | 127 | 90 |
| Middlesex County, MA | Refinance | 69% | 109 | 72 |
| Rockingham County, NH | Home improvement loans | 73% | 56 | 41 |
| Worcester County, MA | Home improvement loans | 70% | 30 | 21 |
| Rockingham County, NH | Refinance | 70% | 30 | 21 |
The county markets where Align Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Align Credit Union
What is Align Credit Union's mortgage approval rate?
Align Credit Union approved 70.6% of the 1,057 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.8 points above the 69.7% national rate for the same mix of loan types.
How often do borrowers take the loan Align Credit Union offers?
Borrowers accepted 98% of the loans Align 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 Align Credit Union make?
The typical home improvement loan loan Align Credit Union made was $105K; across all loan types its typical loan ran from $105K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Align Credit Union lend?
Align Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Align Credit Union directly?
Yes. Align Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Align 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 Align Credit Union treats applications, then get a rate quote from the lender.