Hughes Federal Credit Union mortgage approval rate & lending review
Hughes Federal Credit Union decided 957 mortgage applications and funded 491 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hughes Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hughes Federal Credit Union at a glance
Approval is 8.4 points above the 63.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 74% | 593 / 805 | 72% | $65K | 426 |
| Cash-out refinance | 80% | 41 / 51 | 90% | $105K | 37 |
| Refinance | 52% | 15 / 29 | 60% | $65K | 9 |
| Investment home improvement | 60% | 33 / 55 | 55% | $55K | 18 |
Hughes Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 74% | $65K | 923 | 491 |
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 Hughes Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pima County, AZ | Home improvement loans | 78% | 619 | 341 |
| Maricopa County, AZ | Home improvement loans | 71% | 89 | 49 |
| Pima County, AZ | Cash-out refinance | 79% | 34 | 24 |
| Pinal County, AZ | Home improvement loans | 64% | 36 | 19 |
| Pima County, AZ | Investment home improvement | 70% | 37 | 13 |
| Pima County, AZ | Refinance | 57% | 21 | 6 |
The county markets where Hughes Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Hughes Federal Credit Union
What is Hughes Federal Credit Union's mortgage approval rate?
Hughes Federal Credit Union approved 71.5% of the 957 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 63.1% national rate for the same mix of loan types.
How often do borrowers take the loan Hughes Federal Credit Union offers?
Borrowers accepted 72% of the loans Hughes Federal 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 Hughes Federal Credit Union make?
The typical home improvement loan loan Hughes Federal Credit Union made was $65K; across all loan types its typical loan ran from $55K to $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hughes Federal Credit Union lend?
Hughes Federal Credit Union decided applications in 17 of the states Fat Boy Data covers, most of them in Arizona, California and Colorado.
Can I apply to Hughes Federal Credit Union directly?
Yes. Hughes 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 Hughes 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 Hughes Federal Credit Union treats applications, then get a rate quote from the lender.