Dfcu Financial mortgage approval rate & lending review
Dfcu Financial decided 7,788 mortgage applications and funded 5,953 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dfcu Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dfcu Financial at a glance
Approval is 14.9 points above the 71.8% 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 | 97% | 1,874 / 1,925 | 97% | $245K | 1,821 |
| Home improvement loans | 82% | 3,205 / 3,900 | 82% | $65K | 2,624 |
| Cash-out refinance | 93% | 420 / 450 | 98% | $145K | 410 |
| Refinance | 84% | 1,079 / 1,291 | 86% | $85K | 933 |
| Investment property purchase | 98% | 108 / 110 | 97% | $175K | 105 |
| Investment cash-out refinance | 83% | 29 / 35 | 97% | $115K | 28 |
| Investment home improvement | 36% | 20 / 56 | 65% | $85K | 13 |
Dfcu Financial 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 Dfcu Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Home improvement loans | 80% | 1,867 | 1,190 |
| Wayne County, MI | Mortgage lenders | 97% | 826 | 789 |
| Oakland County, MI | Home improvement loans | 87% | 741 | 544 |
| Wayne County, MI | Refinance | 84% | 591 | 431 |
| Oakland County, MI | Mortgage lenders | 98% | 341 | 324 |
| Washtenaw County, MI | Home improvement loans | 82% | 336 | 237 |
| Wayne County, MI | Cash-out refinance | 94% | 230 | 213 |
| Oakland County, MI | Refinance | 84% | 243 | 177 |
| Livingston County, MI | Home improvement loans | 90% | 196 | 144 |
| Washtenaw County, MI | Mortgage lenders | 96% | 140 | 127 |
| Hillsborough County, FL | Home improvement loans | 89% | 153 | 116 |
| Monroe County, MI | Mortgage lenders | 97% | 107 | 103 |
The county markets where Dfcu Financial made the most loans. Each link opens that market with every lender ranked.
Questions about Dfcu Financial
What is Dfcu Financial's mortgage approval rate?
Dfcu Financial approved 86.7% of the 7,788 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 71.8% national rate for the same mix of loan types.
How often do borrowers take the loan Dfcu Financial offers?
Borrowers accepted 88% of the loans Dfcu Financial 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 Dfcu Financial make?
The typical home improvement loan loan Dfcu Financial made was $65K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dfcu Financial lend?
Dfcu Financial decided applications in 15 of the states Fat Boy Data covers, most of them in Michigan, Florida and Massachusetts.
Can I apply to Dfcu Financial directly?
Yes. Dfcu Financial is a bank or credit union with 39 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dfcu Financial'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 Dfcu Financial treats applications, then get a rate quote from the lender.