F&A Federal Credit Union mortgage approval rate & lending review
F&A Federal Credit Union decided 1,363 mortgage applications and funded 1,189 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions F&A Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
F&A Federal Credit Union at a glance
Approval is 19.7 points above the 74.7% 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 | 100% | 279 / 279 | 87% | $645K | 242 |
| Cash-out refinance | 97% | 721 / 742 | 94% | $125K | 675 |
| Refinance | 81% | 180 / 223 | 96% | $205K | 173 |
| Investment property purchase | 94% | 63 / 67 | 90% | $305K | 57 |
| Investment cash-out refinance | 91% | 32 / 35 | 94% | $285K | 30 |
F&A Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 94% | $125K | 1,208 | 1,057 |
| Arizona | 96% | $205K | 49 | 39 |
| Nevada | 100% | $405K | 20 | 19 |
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 F&A Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 96% | 353 | 321 |
| Orange County, CA | Cash-out refinance | 99% | 131 | 118 |
| San Bernardino County, CA | Cash-out refinance | 95% | 83 | 75 |
| Ventura County, CA | Cash-out refinance | 100% | 20 | 20 |
The county markets where F&A Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about F&A Federal Credit Union
What is F&A Federal Credit Union's mortgage approval rate?
F&A Federal Credit Union approved 94.4% of the 1,363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.7 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan F&A Federal Credit Union offers?
Borrowers accepted 92% of the loans F&A 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 F&A Federal Credit Union make?
The typical cash-out refinance loan F&A Federal Credit Union made was $125K; across all loan types its typical loan ran from $125K to $645K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does F&A Federal Credit Union lend?
F&A Federal Credit Union decided applications in 24 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to F&A Federal Credit Union directly?
Yes. F&A Federal Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show F&A 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 F&A Federal Credit Union treats applications, then get a rate quote from the lender.