Fedex Employees Credit Association mortgage approval rate & lending review
Fedex Employees Credit Association decided 513 mortgage applications and funded 401 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fedex Employees Credit Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fedex Employees Credit Association at a glance
Approval is 11.7 points above the 71.5% 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 | 87% | 120 / 138 | 98% | $245K | 117 |
| Home improvement loans | 92% | 237 / 257 | 92% | $55K | 218 |
| Cash-out refinance | 55% | 41 / 74 | 95% | $185K | 39 |
Fedex Employees Credit Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 84% | $55K | 166 | 132 |
| Mississippi | 91% | $55K | 56 | 49 |
| Florida | 77% | $55K | 30 | 21 |
| California | 62% | $55K | 24 | 13 |
| North Carolina | 75% | $55K | 24 | 17 |
| Texas | 65% | $205K | 23 | 15 |
| Georgia | 86% | $55K | 22 | 19 |
| Illinois | 91% | $45K | 22 | 18 |
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 Fedex Employees Credit Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shelby County, TN | Home improvement loans | 94% | 77 | 67 |
| DeSoto County, MS | Home improvement loans | 94% | 31 | 28 |
| Shelby County, TN | Cash-out refinance | 54% | 26 | 14 |
The county markets where Fedex Employees Credit Association made the most loans. Each link opens that market with every lender ranked.
Questions about Fedex Employees Credit Association
What is Fedex Employees Credit Association's mortgage approval rate?
Fedex Employees Credit Association approved 83.2% of the 513 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Fedex Employees Credit Association offers?
Borrowers accepted 94% of the loans Fedex Employees Credit Association 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 Fedex Employees Credit Association make?
The typical home improvement loan loan Fedex Employees Credit Association made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fedex Employees Credit Association lend?
Fedex Employees Credit Association decided applications in 33 of the states Fat Boy Data covers, most of them in Tennessee, Mississippi and Florida.
Can I apply to Fedex Employees Credit Association directly?
Yes. Fedex Employees Credit Association is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fedex Employees Credit Association'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 Fedex Employees Credit Association treats applications, then get a rate quote from the lender.