First Atlantic Federal Credit Union mortgage approval rate & lending review
First Atlantic Federal Credit Union decided 253 mortgage applications and funded 199 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Atlantic Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Atlantic Federal Credit Union at a glance
Approval is 15.8 points above the 65.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 80% | 168 / 209 | 97% | $105K | 163 |
First Atlantic Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 82% | $105K | 239 | 189 |
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 First Atlantic Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monmouth County, NJ | Home improvement loans | 84% | 119 | 98 |
| Ocean County, NJ | Home improvement loans | 77% | 57 | 42 |
The county markets where First Atlantic Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Atlantic Federal Credit Union
What is First Atlantic Federal Credit Union's mortgage approval rate?
First Atlantic Federal Credit Union approved 81.0% of the 253 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.8 points above the 65.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Atlantic Federal Credit Union offers?
Borrowers accepted 97% of the loans First Atlantic Federal Credit Union 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 First Atlantic Federal Credit Union make?
The typical home improvement loan loan First Atlantic Federal Credit Union made was $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Atlantic Federal Credit Union lend?
First Atlantic Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and New York.
Can I apply to First Atlantic Federal Credit Union directly?
Yes. First Atlantic Federal Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Atlantic 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 First Atlantic Federal Credit Union treats applications, then get a rate quote from the lender.