First Citizens' Federal Credit Union mortgage approval rate & lending review
First Citizens' Federal Credit Union decided 646 mortgage applications and funded 574 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Citizens' Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Citizens' Federal Credit Union at a glance
Approval is 17.0 points above the 72.4% 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% | 116 / 119 | 100% | $405K | 116 |
| Cash-out refinance | 87% | 425 / 487 | 99% | $65K | 421 |
First Citizens' Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 89% | $65K | 645 | 573 |
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 Citizens' Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bristol County, MA | Cash-out refinance | 88% | 248 | 214 |
| Barnstable County, MA | Cash-out refinance | 85% | 156 | 133 |
| Plymouth County, MA | Cash-out refinance | 91% | 79 | 72 |
| Bristol County, MA | Mortgage lenders | 98% | 53 | 52 |
| Barnstable County, MA | Mortgage lenders | 100% | 28 | 28 |
The county markets where First Citizens' Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Citizens' Federal Credit Union
What is First Citizens' Federal Credit Union's mortgage approval rate?
First Citizens' Federal Credit Union approved 89.5% of the 646 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.0 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Citizens' Federal Credit Union offers?
Borrowers accepted 99% of the loans First Citizens' 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 First Citizens' Federal Credit Union make?
The typical cash-out refinance loan First Citizens' Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Citizens' Federal Credit Union lend?
First Citizens' Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Massachusetts and Rhode Island.
Can I apply to First Citizens' Federal Credit Union directly?
Yes. First Citizens' Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Citizens' 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 Citizens' Federal Credit Union treats applications, then get a rate quote from the lender.