Credit Human Federal Credit Union mortgage approval rate & lending review
Credit Human Federal Credit Union decided 31,992 mortgage applications and funded 5,942 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Human Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Human Federal Credit Union at a glance
Approval is 51.2 points below the 86.9% 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 | 34% | 10,080 / 29,617 | 49% | $105K | 4,980 |
| Home improvement loans | 70% | 291 / 418 | 97% | $55K | 283 |
| Cash-out refinance | 60% | 203 / 339 | 88% | $95K | 178 |
| Refinance | 53% | 248 / 467 | 55% | $85K | 136 |
| Investment property purchase | 53% | 608 / 1,141 | 60% | $105K | 363 |
Credit Human Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 24% | $135K | 6,191 | 918 |
| California | 53% | $135K | 4,711 | 1,256 |
| Florida | 36% | $75K | 2,522 | 437 |
| Arizona | 56% | $75K | 1,863 | 674 |
| Louisiana | 26% | $165K | 1,827 | 326 |
| Pennsylvania | 55% | $75K | 1,537 | 333 |
| Washington | 56% | $125K | 1,406 | 421 |
| New York | 47% | $95K | 1,356 | 242 |
| Oregon | 50% | $105K | 1,308 | 313 |
| South Carolina | 20% | $135K | 891 | 90 |
| Arkansas | 11% | $75K | 819 | 27 |
| Colorado | 18% | $85K | 662 | 50 |
| Michigan | 27% | $65K | 606 | 60 |
| Nevada | 22% | $65K | 583 | 69 |
| Ohio | 29% | $75K | 480 | 66 |
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 Credit Human Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Home improvement loans | 70% | 339 | 229 |
| Maricopa County, AZ | Mortgage lenders | 49% | 615 | 206 |
| Bexar County, TX | Mortgage lenders | 36% | 640 | 184 |
| Riverside County, CA | Mortgage lenders | 57% | 538 | 154 |
| Los Angeles County, CA | Mortgage lenders | 46% | 581 | 127 |
| Jefferson Parish, LA | Mortgage lenders | 79% | 169 | 125 |
| Bexar County, TX | Cash-out refinance | 73% | 171 | 122 |
| San Diego County, CA | Mortgage lenders | 53% | 434 | 111 |
| Santa Clara County, CA | Mortgage lenders | 58% | 358 | 109 |
| San Bernardino County, CA | Mortgage lenders | 50% | 415 | 108 |
| Pinal County, AZ | Mortgage lenders | 65% | 214 | 95 |
| Snohomish County, WA | Mortgage lenders | 69% | 281 | 91 |
The county markets where Credit Human Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Human Federal Credit Union
What is Credit Human Federal Credit Union's mortgage approval rate?
Credit Human Federal Credit Union approved 35.7% of the 31,992 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 51.2 points below the 86.9% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Human Federal Credit Union offers?
Borrowers accepted 52% of the loans Credit Human Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Credit Human Federal Credit Union make?
The typical home purchase mortgage loan Credit Human Federal Credit Union made was $105K; across all loan types its typical loan ran from $55K to $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Human Federal Credit Union lend?
Credit Human Federal Credit Union decided applications in 41 of the states Fat Boy Data covers, most of them in Texas, California and Florida.
Can I apply to Credit Human Federal Credit Union directly?
Yes. Credit Human Federal Credit Union is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Human 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 Credit Human Federal Credit Union treats applications, then get a rate quote from the lender.