Blue Federal Credit Union mortgage approval rate & lending review
Blue Federal Credit Union decided 1,310 mortgage applications and funded 1,017 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Blue Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Blue Federal Credit Union at a glance
Approval is 9.2 points above the 68.7% 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 | 87% | 153 / 176 | 99% | $285K | 152 |
| Home improvement loans | 78% | 550 / 709 | 100% | $75K | 550 |
| Cash-out refinance | 82% | 87 / 106 | 100% | $235K | 87 |
| Refinance | 79% | 139 / 175 | 100% | $115K | 139 |
| Investment property purchase | 82% | 31 / 38 | 97% | $265K | 30 |
| Investment home improvement | 51% | 38 / 74 | 100% | $55K | 38 |
Blue Federal Credit Union lending by state
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 Blue Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Larimer County, CO | Home improvement loans | 79% | 133 | 105 |
| Adams County, CO | Home improvement loans | 81% | 95 | 77 |
| Weld County, CO | Home improvement loans | 73% | 84 | 61 |
| Jefferson County, CO | Home improvement loans | 85% | 54 | 46 |
| Boulder County, CO | Home improvement loans | 90% | 48 | 43 |
| Denver County, CO | Home improvement loans | 81% | 32 | 26 |
| Arapahoe County, CO | Home improvement loans | 65% | 31 | 20 |
| Larimer County, CO | Refinance | 74% | 27 | 20 |
| Adams County, CO | Refinance | 80% | 20 | 16 |
The county markets where Blue Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Blue Federal Credit Union
What is Blue Federal Credit Union's mortgage approval rate?
Blue Federal Credit Union approved 77.9% of the 1,310 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 68.7% national rate for the same mix of loan types.
How often do borrowers take the loan Blue Federal Credit Union offers?
Borrowers accepted 100% of the loans Blue 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 Blue Federal Credit Union make?
The typical home improvement loan loan Blue Federal Credit Union made was $75K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Blue Federal Credit Union lend?
Blue Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Colorado, Wyoming and Arizona.
Can I apply to Blue Federal Credit Union directly?
Yes. Blue Federal Credit Union is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Blue 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 Blue Federal Credit Union treats applications, then get a rate quote from the lender.