Amoco Federal Credit Union mortgage approval rate & lending review
Amoco Federal Credit Union decided 1,836 mortgage applications and funded 1,234 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Amoco Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Amoco Federal Credit Union at a glance
Approval is 1.4 points above the 78.0% 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 | 93% | 797 / 860 | 85% | $285K | 678 |
| Home improvement loans | 71% | 60 / 84 | 83% | $75K | 50 |
| Cash-out refinance | 66% | 473 / 714 | 85% | $85K | 404 |
| Refinance | 69% | 68 / 99 | 81% | $295K | 55 |
| Investment property purchase | 91% | 42 / 46 | 76% | $205K | 32 |
Amoco Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 79% | $285K | 1,836 | 1,234 |
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 Amoco Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Galveston County, TX | Mortgage lenders | 93% | 528 | 429 |
| Galveston County, TX | Cash-out refinance | 67% | 500 | 286 |
| Brazoria County, TX | Mortgage lenders | 96% | 92 | 69 |
| Harris County, TX | Cash-out refinance | 65% | 107 | 60 |
| Brazoria County, TX | Cash-out refinance | 62% | 80 | 42 |
| Galveston County, TX | Refinance | 67% | 72 | 42 |
| Galveston County, TX | Home improvement loans | 70% | 64 | 37 |
| Galveston County, TX | Investment property purchase | 88% | 34 | 25 |
The county markets where Amoco Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Amoco Federal Credit Union
What is Amoco Federal Credit Union's mortgage approval rate?
Amoco Federal Credit Union approved 79.4% of the 1,836 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.4 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan Amoco Federal Credit Union offers?
Borrowers accepted 85% of the loans Amoco Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Amoco Federal Credit Union make?
The typical home purchase mortgage loan Amoco Federal Credit Union made was $285K; across all loan types its typical loan ran from $75K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Amoco Federal Credit Union lend?
Amoco Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Amoco Federal Credit Union directly?
Yes. Amoco Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Amoco 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 Amoco Federal Credit Union treats applications, then get a rate quote from the lender.