Cinfed Federal Credit Union mortgage approval rate & lending review
Cinfed Federal Credit Union decided 949 mortgage applications and funded 815 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cinfed Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cinfed Federal Credit Union at a glance
Approval is 15.0 points above the 73.7% 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 | 95% | 238 / 250 | 98% | $275K | 233 |
| Home improvement loans | 85% | 269 / 316 | 93% | $55K | 250 |
| Cash-out refinance | 84% | 136 / 162 | 99% | $145K | 135 |
| Refinance | 92% | 97 / 105 | 99% | $125K | 96 |
| Investment property purchase | 93% | 54 / 58 | 98% | $195K | 53 |
| Investment cash-out refinance | 95% | 38 / 40 | 100% | $175K | 38 |
Cinfed 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 Cinfed Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hamilton County, OH | Home improvement loans | 85% | 204 | 161 |
| Hamilton County, OH | Mortgage lenders | 96% | 138 | 130 |
| Hamilton County, OH | Cash-out refinance | 84% | 89 | 74 |
| Hamilton County, OH | Refinance | 91% | 55 | 50 |
| Hamilton County, OH | Investment property purchase | 96% | 49 | 46 |
| Kenton County, KY | Home improvement loans | 82% | 50 | 38 |
| Hamilton County, OH | Investment cash-out refinance | 93% | 28 | 26 |
| Kenton County, KY | Mortgage lenders | 93% | 27 | 25 |
| Kenton County, KY | Cash-out refinance | 84% | 25 | 21 |
| Boone County, KY | Home improvement loans | 81% | 26 | 20 |
| Boone County, KY | Cash-out refinance | 83% | 24 | 20 |
| Clermont County, OH | Home improvement loans | 86% | 21 | 16 |
The county markets where Cinfed Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Cinfed Federal Credit Union
What is Cinfed Federal Credit Union's mortgage approval rate?
Cinfed Federal Credit Union approved 88.7% of the 949 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.0 points above the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Cinfed Federal Credit Union offers?
Borrowers accepted 97% of the loans Cinfed 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 Cinfed Federal Credit Union make?
The typical home improvement loan loan Cinfed Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cinfed Federal Credit Union lend?
Cinfed Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Colorado.
Can I apply to Cinfed Federal Credit Union directly?
Yes. Cinfed Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cinfed 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 Cinfed Federal Credit Union treats applications, then get a rate quote from the lender.