Ascend Federal Credit Union mortgage approval rate & lending review
Ascend Federal Credit Union decided 3,228 mortgage applications and funded 2,468 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ascend Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ascend Federal Credit Union at a glance
Approval is 8.1 points above the 71.5% 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% | 543 / 588 | 99% | $355K | 540 |
| Home improvement loans | 75% | 838 / 1,124 | 90% | $75K | 754 |
| Cash-out refinance | 79% | 822 / 1,035 | 99% | $65K | 817 |
| Refinance | 66% | 158 / 239 | 97% | $175K | 154 |
| Investment property purchase | 90% | 118 / 131 | 97% | $345K | 115 |
| Investment refinance | 89% | 79 / 89 | 96% | $445K | 76 |
Ascend Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 80% | $75K | 3,164 | 2,414 |
| Florida | 88% | $285K | 25 | 22 |
| Alabama | 85% | $275K | 20 | 17 |
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 Ascend Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Rutherford County, TN | Cash-out refinance | 82% | 481 | 391 |
| Rutherford County, TN | Home improvement loans | 79% | 460 | 333 |
| Rutherford County, TN | Mortgage lenders | 96% | 200 | 190 |
| Davidson County, TN | Home improvement loans | 68% | 249 | 143 |
| Davidson County, TN | Mortgage lenders | 94% | 139 | 129 |
| Davidson County, TN | Cash-out refinance | 67% | 186 | 124 |
| Williamson County, TN | Cash-out refinance | 87% | 90 | 78 |
| Wilson County, TN | Cash-out refinance | 88% | 80 | 70 |
| Maury County, TN | Home improvement loans | 69% | 109 | 69 |
| Maury County, TN | Cash-out refinance | 81% | 84 | 68 |
| Williamson County, TN | Home improvement loans | 75% | 105 | 68 |
| Rutherford County, TN | Refinance | 71% | 95 | 66 |
The county markets where Ascend Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Ascend Federal Credit Union
What is Ascend Federal Credit Union's mortgage approval rate?
Ascend Federal Credit Union approved 79.6% of the 3,228 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Ascend Federal Credit Union offers?
Borrowers accepted 96% of the loans Ascend 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 Ascend Federal Credit Union make?
The typical home improvement loan loan Ascend Federal Credit Union made was $75K; across all loan types its typical loan ran from $65K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ascend Federal Credit Union lend?
Ascend Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Alabama.
Can I apply to Ascend Federal Credit Union directly?
Yes. Ascend Federal Credit Union is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ascend 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 Ascend Federal Credit Union treats applications, then get a rate quote from the lender.