Harvard University Employees Credit Union mortgage approval rate & lending review
Harvard University Employees Credit Union decided 1,265 mortgage applications and funded 1,137 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Harvard University Employees Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Harvard University Employees Credit Union at a glance
Approval is 16.8 points above the 74.7% 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 | 96% | 450 / 470 | 99% | $575K | 445 |
| Home improvement loans | 92% | 450 / 487 | 98% | $105K | 439 |
| Cash-out refinance | 76% | 47 / 62 | 96% | $315K | 45 |
| Refinance | 87% | 191 / 219 | 99% | $145K | 190 |
Harvard University Employees Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 92% | $185K | 1,190 | 1,073 |
| New Hampshire | 87% | $75K | 39 | 34 |
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 Harvard University Employees Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Home improvement loans | 95% | 220 | 205 |
| Middlesex County, MA | Mortgage lenders | 96% | 213 | 202 |
| Suffolk County, MA | Mortgage lenders | 96% | 98 | 93 |
| Middlesex County, MA | Refinance | 91% | 97 | 87 |
| Norfolk County, MA | Mortgage lenders | 96% | 69 | 66 |
| Norfolk County, MA | Home improvement loans | 94% | 67 | 63 |
| Suffolk County, MA | Home improvement loans | 92% | 51 | 46 |
| Essex County, MA | Home improvement loans | 87% | 53 | 43 |
| Norfolk County, MA | Refinance | 93% | 28 | 26 |
| Plymouth County, MA | Home improvement loans | 84% | 32 | 26 |
| Suffolk County, MA | Refinance | 83% | 30 | 25 |
| Essex County, MA | Refinance | 83% | 29 | 24 |
The county markets where Harvard University Employees Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Harvard University Employees Credit Union
What is Harvard University Employees Credit Union's mortgage approval rate?
Harvard University Employees Credit Union approved 91.5% of the 1,265 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.8 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan Harvard University Employees Credit Union offers?
Borrowers accepted 98% of the loans Harvard University Employees Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Harvard University Employees Credit Union make?
The typical home improvement loan loan Harvard University Employees Credit Union made was $105K; across all loan types its typical loan ran from $105K to $575K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Harvard University Employees Credit Union lend?
Harvard University Employees Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to Harvard University Employees Credit Union directly?
Yes. Harvard University Employees Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show Harvard University Employees 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 Harvard University Employees Credit Union treats applications, then get a rate quote from the lender.