Beginnings Credit Union mortgage approval rate & lending review
Beginnings Credit Union decided 722 mortgage applications and funded 645 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Beginnings Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Beginnings Credit Union at a glance
Approval is 11.2 points above the 80.2% 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% | 452 / 472 | 99% | $295K | 449 |
| Home improvement loans | 85% | 146 / 171 | 92% | $55K | 135 |
| Cash-out refinance | 81% | 30 / 37 | 97% | $145K | 29 |
Beginnings Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 92% | $295K | 719 | 645 |
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 Beginnings Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tompkins County, NY | Mortgage lenders | 96% | 407 | 387 |
| Tompkins County, NY | Home improvement loans | 90% | 124 | 102 |
| Onondaga County, NY | Mortgage lenders | 96% | 48 | 45 |
| Tompkins County, NY | Cash-out refinance | 82% | 28 | 22 |
| Onondaga County, NY | Home improvement loans | 74% | 31 | 21 |
The county markets where Beginnings Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Beginnings Credit Union
What is Beginnings Credit Union's mortgage approval rate?
Beginnings Credit Union approved 91.4% of the 722 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.2 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan Beginnings Credit Union offers?
Borrowers accepted 98% of the loans Beginnings 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 Beginnings Credit Union make?
The typical home purchase mortgage loan Beginnings Credit Union made was $295K; across all loan types its typical loan ran from $55K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Beginnings Credit Union lend?
Beginnings Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in New York, North Carolina and Tennessee.
Can I apply to Beginnings Credit Union directly?
Yes. Beginnings Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Beginnings 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 Beginnings Credit Union treats applications, then get a rate quote from the lender.