Apple Federal Credit Union mortgage approval rate & lending review
Apple Federal Credit Union decided 2,868 mortgage applications and funded 1,935 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Apple Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Apple Federal Credit Union at a glance
Approval is 0.6 points above the 66.8% 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 | 95% | 393 / 414 | 100% | $485K | 393 |
| Home improvement loans | 62% | 1,404 / 2,279 | 100% | $105K | 1,404 |
| Cash-out refinance | 78% | 85 / 109 | 100% | $375K | 85 |
| Refinance | 77% | 30 / 39 | 100% | $375K | 30 |
Apple Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 69% | $105K | 2,450 | 1,699 |
| Maryland | 50% | $85K | 283 | 142 |
| West Virginia | 76% | $55K | 71 | 54 |
| North Carolina | 73% | $75K | 37 | 27 |
| District of Columbia | 48% | $125K | 27 | 13 |
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 Apple Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Home improvement loans | 71% | 717 | 510 |
| Prince William County, VA | Home improvement loans | 55% | 601 | 333 |
| Loudoun County, VA | Home improvement loans | 69% | 359 | 247 |
| Fairfax County, VA | Mortgage lenders | 96% | 165 | 158 |
| Stafford County, VA | Home improvement loans | 57% | 143 | 81 |
| Prince William County, VA | Mortgage lenders | 92% | 78 | 72 |
| Loudoun County, VA | Mortgage lenders | 98% | 59 | 58 |
| Fairfax County, VA | Cash-out refinance | 83% | 46 | 38 |
| Prince George's County, MD | Home improvement loans | 34% | 95 | 32 |
| Montgomery County, MD | Home improvement loans | 64% | 45 | 29 |
| Berkeley County, WV | Home improvement loans | 64% | 45 | 29 |
| Spotsylvania County, VA | Home improvement loans | 46% | 48 | 22 |
The county markets where Apple Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Apple Federal Credit Union
What is Apple Federal Credit Union's mortgage approval rate?
Apple Federal Credit Union approved 67.5% of the 2,868 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.6 points above the 66.8% national rate for the same mix of loan types.
How often do borrowers take the loan Apple Federal Credit Union offers?
Borrowers accepted 100% of the loans Apple 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 Apple Federal Credit Union make?
The typical home improvement loan loan Apple Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Apple Federal Credit Union lend?
Apple Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Virginia, Maryland and West Virginia.
Can I apply to Apple Federal Credit Union directly?
Yes. Apple Federal Credit Union is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Apple 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 Apple Federal Credit Union treats applications, then get a rate quote from the lender.