Class Act Federal Credit Union mortgage approval rate & lending review
Class Act Federal Credit Union decided 251 mortgage applications and funded 228 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Class Act Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Class Act Federal Credit Union at a glance
Approval is 17.2 points above the 74.0% 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 | 90% | 52 / 58 | 98% | $175K | 51 |
| Home improvement loans | 100% | 35 / 35 | 100% | $35K | 35 |
| Cash-out refinance | 96% | 90 / 94 | 100% | $45K | 90 |
| Refinance | 81% | 52 / 64 | 100% | $55K | 52 |
Class Act Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 93% | $45K | 241 | 223 |
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 Class Act Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Cash-out refinance | 96% | 91 | 87 |
| Jefferson County, KY | Refinance | 83% | 58 | 48 |
| Jefferson County, KY | Home improvement loans | 100% | 35 | 35 |
The county markets where Class Act Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Class Act Federal Credit Union
What is Class Act Federal Credit Union's mortgage approval rate?
Class Act Federal Credit Union approved 91.2% of the 251 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.2 points above the 74.0% national rate for the same mix of loan types.
How often do borrowers take the loan Class Act Federal Credit Union offers?
Borrowers accepted 100% of the loans Class Act Federal 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 Class Act Federal Credit Union make?
The typical cash-out refinance loan Class Act Federal Credit Union made was $45K; across all loan types its typical loan ran from $35K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Class Act Federal Credit Union lend?
Class Act Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Kentucky and Indiana.
Can I apply to Class Act Federal Credit Union directly?
Yes. Class Act Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Class Act 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 Class Act Federal Credit Union treats applications, then get a rate quote from the lender.