FIRST CAPITAL Federal Credit Union mortgage approval rate & lending review
FIRST CAPITAL Federal Credit Union decided 918 mortgage applications and funded 718 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FIRST CAPITAL Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FIRST CAPITAL Federal Credit Union at a glance
Approval is 9.8 points above the 68.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 75% | 420 / 560 | 100% | $45K | 419 |
| Refinance | 80% | 163 / 203 | 100% | $65K | 163 |
| Investment property purchase | 100% | 29 / 29 | 100% | $95K | 29 |
| Investment refinance | 95% | 84 / 88 | 100% | $125K | 84 |
FIRST CAPITAL Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 78% | $45K | 918 | 718 |
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 CAPITAL Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, PA | Home improvement loans | 75% | 560 | 419 |
| York County, PA | Refinance | 80% | 203 | 163 |
| York County, PA | Investment refinance | 95% | 88 | 84 |
| York County, PA | Investment property purchase | 100% | 29 | 29 |
The county markets where FIRST CAPITAL Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about FIRST CAPITAL Federal Credit Union
What is FIRST CAPITAL Federal Credit Union's mortgage approval rate?
FIRST CAPITAL Federal Credit Union approved 78.3% of the 918 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 68.5% national rate for the same mix of loan types.
How often do borrowers take the loan FIRST CAPITAL Federal Credit Union offers?
Borrowers accepted 100% of the loans FIRST CAPITAL 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 CAPITAL Federal Credit Union make?
The typical home improvement loan loan FIRST CAPITAL Federal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FIRST CAPITAL Federal Credit Union lend?
FIRST CAPITAL Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to FIRST CAPITAL Federal Credit Union directly?
Yes. FIRST CAPITAL Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FIRST CAPITAL 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 CAPITAL Federal Credit Union treats applications, then get a rate quote from the lender.