Granite Federal Credit Union mortgage approval rate & lending review
Granite Federal Credit Union decided 815 mortgage applications and funded 604 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Granite Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Granite Federal Credit Union at a glance
Approval is 10.1 points above the 72.0% 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 | 83% | 146 / 175 | 85% | $375K | 124 |
| Home improvement loans | 83% | 198 / 239 | 92% | $65K | 183 |
| Cash-out refinance | 85% | 235 / 278 | 90% | $105K | 212 |
| Refinance | 71% | 61 / 86 | 92% | $155K | 56 |
Granite Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 82% | $105K | 802 | 596 |
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 Granite Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Cash-out refinance | 87% | 240 | 186 |
| Salt Lake County, UT | Home improvement loans | 83% | 203 | 155 |
| Salt Lake County, UT | Mortgage lenders | 83% | 113 | 81 |
| Salt Lake County, UT | Refinance | 75% | 72 | 50 |
The county markets where Granite Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Granite Federal Credit Union
What is Granite Federal Credit Union's mortgage approval rate?
Granite Federal Credit Union approved 82.1% of the 815 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 72.0% national rate for the same mix of loan types.
How often do borrowers take the loan Granite Federal Credit Union offers?
Borrowers accepted 90% of the loans Granite 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 Granite Federal Credit Union make?
The typical cash-out refinance loan Granite Federal Credit Union made was $105K; across all loan types its typical loan ran from $65K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Granite Federal Credit Union lend?
Granite Federal Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Utah, Arizona and Florida.
Can I apply to Granite Federal Credit Union directly?
Yes. Granite Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Granite 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 Granite Federal Credit Union treats applications, then get a rate quote from the lender.