I-C Federal Credit Union mortgage approval rate & lending review
I-C Federal Credit Union decided 484 mortgage applications and funded 316 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions I-C Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
I-C Federal Credit Union at a glance
Approval is 3.3 points below the 70.6% 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 | 80% | 83 / 104 | 95% | $325K | 79 |
| Home improvement loans | 62% | 128 / 205 | 98% | $45K | 125 |
| Cash-out refinance | 67% | 97 / 144 | 98% | $105K | 95 |
I-C Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 67% | $105K | 484 | 316 |
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 I-C Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 61% | 174 | 104 |
| Worcester County, MA | Cash-out refinance | 67% | 123 | 81 |
The county markets where I-C Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about I-C Federal Credit Union
What is I-C Federal Credit Union's mortgage approval rate?
I-C Federal Credit Union approved 67.4% of the 484 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.3 points below the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan I-C Federal Credit Union offers?
Borrowers accepted 97% of the loans I-C 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 I-C Federal Credit Union make?
The typical home improvement loan loan I-C Federal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does I-C Federal Credit Union lend?
I-C Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Massachusetts.
Can I apply to I-C Federal Credit Union directly?
Yes. I-C Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show I-C 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 I-C Federal Credit Union treats applications, then get a rate quote from the lender.