Community First Credit Union mortgage approval rate & lending review
Community First Credit Union decided 368 mortgage applications and funded 293 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community First Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community First Credit Union at a glance
Approval is 8.5 points above the 74.4% 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% | 94 / 104 | 98% | $145K | 92 |
| Cash-out refinance | 80% | 180 / 224 | 95% | $105K | 171 |
| Investment cash-out refinance | 72% | 21 / 29 | 95% | $105K | 20 |
Community First Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 83% | $105K | 368 | 293 |
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 Community First Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sonoma County, CA | Cash-out refinance | 81% | 196 | 151 |
| Sonoma County, CA | Mortgage lenders | 92% | 84 | 75 |
| Sonoma County, CA | Investment cash-out refinance | 67% | 21 | 13 |
The county markets where Community First Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Community First Credit Union
What is Community First Credit Union's mortgage approval rate?
Community First Credit Union approved 82.9% of the 368 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points above the 74.4% national rate for the same mix of loan types.
How often do borrowers take the loan Community First Credit Union offers?
Borrowers accepted 96% of the loans Community First 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 Community First Credit Union make?
The typical cash-out refinance loan Community First Credit Union made was $105K; across all loan types its typical loan ran from $105K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Community First Credit Union lend?
Community First Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Community First Credit Union directly?
Yes. Community First Credit Union is a bank or credit union with 51 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community First 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 Community First Credit Union treats applications, then get a rate quote from the lender.