Lender profile · HMDA 2023–2025
First South Financial Federal Credit Union mortgage approval rates & lending data
First South Financial Federal Credit Union decided 430 mortgage applications and funded 360 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 178 / 183 | 100% | $255K | 178 |
| Home improvement loans | 68% | 108 / 158 | 100% | $85K | 108 |
| Cash-out refinance | 84% | 21 / 25 | 100% | $125K | 21 |
| Refinance | 78% | 29 / 37 | 100% | $185K | 29 |
First South Financial Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 81% | $185K | 329 | 266 |
| Mississippi | 94% | $265K | 84 | 79 |
| Arkansas | 71% | $175K | 7 | 5 |
| Georgia | 100% | $425K | 3 | 3 |
| Louisiana | 100% | $85K | 2 | 2 |
| Arizona | 100% | $1.28M | 1 | 1 |
| Florida | 100% | $245K | 1 | 1 |
| Indiana | 100% | $55K | 1 | 1 |
| Kentucky | 100% | $175K | 1 | 1 |
| Washington | 100% | $175K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.