First Credit Union mortgage approval rate & lending review
First Credit Union decided 289 mortgage applications and funded 198 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Credit Union at a glance
Approval is 11.6 points above the 70.1% 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 | 94% | 60 / 64 | 87% | $385K | 52 |
| Home improvement loans | 77% | 128 / 167 | 86% | $55K | 110 |
| Cash-out refinance | 87% | 34 / 39 | 76% | $115K | 26 |
First Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 82% | $55K | 289 | 198 |
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 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 81% | 128 | 87 |
| Pima County, AZ | Home improvement loans | 52% | 23 | 11 |
The county markets where First Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Credit Union
What is First Credit Union's mortgage approval rate?
First Credit Union approved 81.7% of the 289 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan First Credit Union offers?
Borrowers accepted 84% of the loans First 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 Credit Union make?
The typical home improvement loan loan First Credit Union made was $55K; across all loan types its typical loan ran from $55K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Credit Union lend?
First Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Arizona.
Can I apply to First Credit Union directly?
Yes. First Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First 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 Credit Union treats applications, then get a rate quote from the lender.