Datcu mortgage approval rate & lending review
Datcu decided 1,487 mortgage applications and funded 980 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Datcu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Datcu at a glance
Approval is 7.0 points below the 72.9% 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 | 79% | 166 / 211 | 100% | $315K | 166 |
| Cash-out refinance | 73% | 686 / 946 | 100% | $75K | 686 |
| Refinance | 38% | 121 / 318 | 100% | $105K | 121 |
Datcu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 66% | $75K | 1,487 | 980 |
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 Datcu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Denton County, TX | Cash-out refinance | 75% | 781 | 584 |
| Denton County, TX | Refinance | 40% | 243 | 97 |
| Collin County, TX | Cash-out refinance | 69% | 45 | 31 |
| Tarrant County, TX | Cash-out refinance | 62% | 39 | 24 |
The county markets where Datcu made the most loans. Each link opens that market with every lender ranked.
Questions about Datcu
What is Datcu's mortgage approval rate?
Datcu approved 65.9% of the 1,487 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points below the 72.9% national rate for the same mix of loan types.
How often do borrowers take the loan Datcu offers?
Borrowers accepted 100% of the loans Datcu 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 Datcu make?
The typical cash-out refinance loan Datcu made was $75K; across all loan types its typical loan ran from $75K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Datcu lend?
Datcu decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Datcu directly?
Yes. Datcu is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Datcu'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 Datcu treats applications, then get a rate quote from the lender.