Five Star Credit Union mortgage approval rate & lending review
Five Star Credit Union decided 315 mortgage applications and funded 225 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Five Star Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Five Star Credit Union at a glance
Approval is 5.8 points below the 82.0% 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 | 64% | 102 / 159 | 95% | $165K | 97 |
| Refinance | 88% | 85 / 97 | 88% | $105K | 75 |
Five Star Credit Union lending by state
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 Five Star Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Houston County, AL | Mortgage lenders | 61% | 127 | 73 |
| Houston County, AL | Refinance | 87% | 83 | 62 |
The county markets where Five Star Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Five Star Credit Union
What is Five Star Credit Union's mortgage approval rate?
Five Star Credit Union approved 76.2% of the 315 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points below the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan Five Star Credit Union offers?
Borrowers accepted 94% of the loans Five Star 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 Five Star Credit Union make?
The typical home purchase mortgage loan Five Star Credit Union made was $165K; across all loan types its typical loan ran from $105K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Five Star Credit Union lend?
Five Star Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Alabama, Georgia and Florida.
Can I apply to Five Star Credit Union directly?
Yes. Five Star Credit Union is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Five Star 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 Five Star Credit Union treats applications, then get a rate quote from the lender.