Central One Federal Credit Union mortgage approval rate & lending review
Central One Federal Credit Union decided 1,437 mortgage applications and funded 1,192 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central One Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central One Federal Credit Union at a glance
Approval is 15.3 points above the 68.2% 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 | 92% | 157 / 171 | 98% | $395K | 154 |
| Home improvement loans | 83% | 723 / 876 | 100% | $105K | 723 |
| Cash-out refinance | 66% | 42 / 64 | 93% | $295K | 39 |
| Refinance | 86% | 147 / 170 | 100% | $175K | 147 |
| Investment property purchase | 91% | 48 / 53 | 98% | $375K | 47 |
| Investment home improvement | 75% | 53 / 71 | 100% | $105K | 53 |
Central One Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 85% | $105K | 1,334 | 1,123 |
| Florida | 85% | $105K | 26 | 22 |
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 Central One Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 86% | 696 | 596 |
| Worcester County, MA | Refinance | 90% | 133 | 120 |
| Worcester County, MA | Mortgage lenders | 92% | 118 | 107 |
| Middlesex County, MA | Home improvement loans | 79% | 81 | 64 |
| Worcester County, MA | Cash-out refinance | 68% | 56 | 35 |
| Worcester County, MA | Investment home improvement | 78% | 37 | 29 |
| Worcester County, MA | Investment property purchase | 92% | 25 | 22 |
| Norfolk County, MA | Home improvement loans | 70% | 23 | 16 |
The county markets where Central One Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Central One Federal Credit Union
What is Central One Federal Credit Union's mortgage approval rate?
Central One Federal Credit Union approved 83.4% of the 1,437 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 68.2% national rate for the same mix of loan types.
How often do borrowers take the loan Central One Federal Credit Union offers?
Borrowers accepted 99% of the loans Central One 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 Central One Federal Credit Union make?
The typical home improvement loan loan Central One Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central One Federal Credit Union lend?
Central One Federal Credit Union decided applications in 18 of the states Fat Boy Data covers, most of them in Massachusetts, Florida and Maine.
Can I apply to Central One Federal Credit Union directly?
Yes. Central One Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Central One 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 Central One Federal Credit Union treats applications, then get a rate quote from the lender.