Bank-Fund Staff Federal Credit Union mortgage approval rate & lending review
Bank-Fund Staff Federal Credit Union decided 3,463 mortgage applications and funded 2,948 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank-Fund Staff Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank-Fund Staff Federal Credit Union at a glance
Approval is 10.7 points above the 77.0% 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 | 96% | 1,277 / 1,325 | 97% | $605K | 1,244 |
| Home improvement loans | 84% | 57 / 68 | 98% | $155K | 56 |
| Cash-out refinance | 88% | 1,372 / 1,564 | 97% | $165K | 1,328 |
| Refinance | 49% | 83 / 170 | 99% | $685K | 82 |
| Investment property purchase | 90% | 128 / 143 | 95% | $305K | 121 |
| Investment cash-out refinance | 71% | 109 / 153 | 97% | $255K | 106 |
| Investment refinance | 21% | 7 / 34 | 71% | $295K | 5 |
Bank-Fund Staff Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 86% | $155K | 1,132 | 950 |
| Virginia | 89% | $165K | 1,082 | 935 |
| District of Columbia | 91% | $565K | 696 | 613 |
| Florida | 79% | $175K | 102 | 76 |
| California | 84% | $355K | 67 | 54 |
| North Carolina | 73% | $205K | 41 | 29 |
| Texas | 82% | $395K | 38 | 31 |
| Massachusetts | 94% | $255K | 32 | 30 |
| New York | 82% | $795K | 28 | 23 |
| Georgia | 76% | $305K | 25 | 19 |
| New Jersey | 88% | $245K | 24 | 21 |
| Pennsylvania | 100% | $155K | 20 | 20 |
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 Bank-Fund Staff Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, MD | Cash-out refinance | 89% | 438 | 380 |
| Montgomery County, MD | Mortgage lenders | 98% | 317 | 307 |
| Fairfax County, VA | Cash-out refinance | 91% | 310 | 273 |
| Fairfax County, VA | Mortgage lenders | 99% | 224 | 216 |
| Loudoun County, VA | Cash-out refinance | 88% | 74 | 62 |
| Arlington County, VA | Mortgage lenders | 97% | 59 | 57 |
| Loudoun County, VA | Mortgage lenders | 91% | 54 | 48 |
| Prince George's County, MD | Cash-out refinance | 73% | 66 | 44 |
| Arlington County, VA | Cash-out refinance | 92% | 51 | 44 |
| Prince William County, VA | Cash-out refinance | 90% | 42 | 36 |
| Alexandria city, VA | Mortgage lenders | 100% | 26 | 25 |
| Alexandria city, VA | Cash-out refinance | 80% | 30 | 24 |
The county markets where Bank-Fund Staff Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Bank-Fund Staff Federal Credit Union
What is Bank-Fund Staff Federal Credit Union's mortgage approval rate?
Bank-Fund Staff Federal Credit Union approved 87.8% of the 3,463 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Bank-Fund Staff Federal Credit Union offers?
Borrowers accepted 97% of the loans Bank-Fund Staff Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank-Fund Staff Federal Credit Union make?
The typical cash-out refinance loan Bank-Fund Staff Federal Credit Union made was $165K; across all loan types its typical loan ran from $155K to $685K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank-Fund Staff Federal Credit Union lend?
Bank-Fund Staff Federal Credit Union decided applications in 44 of the states Fat Boy Data covers, most of them in Maryland, Virginia and District of Columbia.
Can I apply to Bank-Fund Staff Federal Credit Union directly?
Yes. Bank-Fund Staff Federal Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show Bank-Fund Staff 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 Bank-Fund Staff Federal Credit Union treats applications, then get a rate quote from the lender.