First U.S. Community Credit Union mortgage approval rate & lending review
First U.S. Community Credit Union decided 266 mortgage applications and funded 217 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First U.S. Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First U.S. Community Credit Union at a glance
Approval is 7.2 points above the 75.1% 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 | 99% | 70 / 71 | 99% | $395K | 69 |
| Home improvement loans | 86% | 36 / 42 | 100% | $65K | 36 |
| Cash-out refinance | 73% | 49 / 67 | 100% | $75K | 49 |
| Refinance | 82% | 58 / 71 | 98% | $85K | 57 |
First U.S. Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 83% | $85K | 265 | 217 |
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 U.S. Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sacramento County, CA | Refinance | 96% | 24 | 23 |
| Placer County, CA | Refinance | 77% | 22 | 16 |
The county markets where First U.S. Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First U.S. Community Credit Union
What is First U.S. Community Credit Union's mortgage approval rate?
First U.S. Community Credit Union approved 82.3% of the 266 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan First U.S. Community Credit Union offers?
Borrowers accepted 99% of the loans First U.S. Community Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First U.S. Community Credit Union make?
The typical home purchase mortgage loan First U.S. Community Credit Union made was $395K; across all loan types its typical loan ran from $65K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First U.S. Community Credit Union lend?
First U.S. Community Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in California and Florida.
Can I apply to First U.S. Community Credit Union directly?
Yes. First U.S. Community 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 U.S. Community 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 U.S. Community Credit Union treats applications, then get a rate quote from the lender.