Campus USA Credit Union mortgage approval rate & lending review
Campus USA Credit Union decided 2,212 mortgage applications and funded 2,048 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Campus USA Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Campus USA Credit Union at a glance
Approval is 17.4 points above the 75.3% 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 | 98% | 549 / 560 | 100% | $325K | 549 |
| Home improvement loans | 96% | 53 / 55 | 100% | $65K | 53 |
| Cash-out refinance | 89% | 1,011 / 1,140 | 100% | $65K | 1,009 |
| Refinance | 96% | 291 / 304 | 100% | $65K | 290 |
| Investment property purchase | 99% | 122 / 123 | 100% | $155K | 122 |
| Investment cash-out refinance | 81% | 22 / 27 | 100% | $185K | 22 |
Campus USA Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 93% | $65K | 2,175 | 2,011 |
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 Campus USA Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alachua County, FL | Cash-out refinance | 90% | 494 | 444 |
| Marion County, FL | Cash-out refinance | 86% | 421 | 363 |
| Alachua County, FL | Mortgage lenders | 99% | 323 | 320 |
| Alachua County, FL | Refinance | 97% | 147 | 143 |
| Marion County, FL | Mortgage lenders | 98% | 122 | 120 |
| Marion County, FL | Refinance | 92% | 90 | 82 |
| Alachua County, FL | Investment property purchase | 98% | 52 | 51 |
| Leon County, FL | Cash-out refinance | 87% | 55 | 48 |
| Sumter County, FL | Cash-out refinance | 89% | 37 | 33 |
| Citrus County, FL | Cash-out refinance | 100% | 25 | 25 |
| Marion County, FL | Investment property purchase | 100% | 25 | 25 |
| Alachua County, FL | Home improvement loans | 96% | 23 | 22 |
The county markets where Campus USA Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Campus USA Credit Union
What is Campus USA Credit Union's mortgage approval rate?
Campus USA Credit Union approved 92.7% of the 2,212 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.4 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan Campus USA Credit Union offers?
Borrowers accepted 100% of the loans Campus USA 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 Campus USA Credit Union make?
The typical cash-out refinance loan Campus USA Credit Union made was $65K; across all loan types its typical loan ran from $65K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Campus USA Credit Union lend?
Campus USA Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Florida, Georgia and South Carolina.
Can I apply to Campus USA Credit Union directly?
Yes. Campus USA Credit Union is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Campus USA 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 Campus USA Credit Union treats applications, then get a rate quote from the lender.