GFA Federal Credit Union mortgage approval rate & lending review
GFA Federal Credit Union decided 460 mortgage applications and funded 372 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions GFA Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
GFA Federal Credit Union at a glance
Approval is 9.5 points above the 72.2% 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 | 93% | 83 / 89 | 98% | $265K | 81 |
| Home improvement loans | 77% | 101 / 132 | 98% | $55K | 99 |
| Cash-out refinance | 78% | 116 / 149 | 100% | $75K | 116 |
| Refinance | 72% | 34 / 47 | 100% | $135K | 34 |
GFA Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 81% | $75K | 368 | 295 |
| New Hampshire | 76% | $75K | 49 | 37 |
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 GFA Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Cash-out refinance | 80% | 122 | 97 |
| Worcester County, MA | Home improvement loans | 79% | 111 | 86 |
| Worcester County, MA | Refinance | 72% | 39 | 28 |
The county markets where GFA Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about GFA Federal Credit Union
What is GFA Federal Credit Union's mortgage approval rate?
GFA Federal Credit Union approved 81.7% of the 460 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 72.2% national rate for the same mix of loan types.
How often do borrowers take the loan GFA Federal Credit Union offers?
Borrowers accepted 99% of the loans GFA 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 GFA Federal Credit Union make?
The typical cash-out refinance loan GFA Federal Credit Union made was $75K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does GFA Federal Credit Union lend?
GFA Federal Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Arizona.
Can I apply to GFA Federal Credit Union directly?
Yes. GFA Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show GFA 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 GFA Federal Credit Union treats applications, then get a rate quote from the lender.