Lender profile · HMDA 2023–2025
Central One Federal Credit Union mortgage approval rates & lending data
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.
Approval 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 |
| Maine | 87% | $205K | 15 | 13 |
| New Hampshire | 85% | $75K | 13 | 10 |
| Connecticut | 67% | $275K | 12 | 8 |
| Rhode Island | 57% | $25K | 7 | 4 |
| South Carolina | 67% | $105K | 6 | 4 |
| California | 25% | $1M | 4 | 1 |
| New Jersey | 50% | $105K | 4 | 2 |
| New York | 50% | $105K | 4 | 2 |
| North Carolina | 67% | $95K | 3 | 2 |
| Texas | 0% | — | 3 | 0 |
| Arizona | 0% | — | 1 | 0 |
| Colorado | 0% | — | 1 | 0 |
| Georgia | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.