Kirtland Federal Credit Union mortgage approval rate & lending review
Kirtland Federal Credit Union decided 1,353 mortgage applications and funded 994 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Kirtland Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Kirtland Federal Credit Union at a glance
Approval is 9.2 points above the 72.3% 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% | 249 / 268 | 80% | $305K | 199 |
| Home improvement loans | 75% | 396 / 525 | 95% | $55K | 375 |
| Cash-out refinance | 76% | 99 / 131 | 84% | $255K | 83 |
| Refinance | 86% | 290 / 339 | 96% | $85K | 278 |
| Investment property purchase | 91% | 30 / 33 | 93% | $245K | 28 |
| Investment home improvement | 69% | 18 / 26 | 72% | $95K | 13 |
Kirtland Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Mexico | 82% | $85K | 1,351 | 994 |
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 Kirtland Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bernalillo County, NM | Home improvement loans | 77% | 375 | 273 |
| Bernalillo County, NM | Refinance | 84% | 245 | 197 |
| Bernalillo County, NM | Mortgage lenders | 94% | 205 | 156 |
| Sandoval County, NM | Home improvement loans | 75% | 127 | 90 |
| Sandoval County, NM | Refinance | 89% | 81 | 70 |
| Bernalillo County, NM | Cash-out refinance | 75% | 101 | 61 |
| Sandoval County, NM | Mortgage lenders | 89% | 55 | 36 |
| Bernalillo County, NM | Investment property purchase | 93% | 29 | 25 |
| Sandoval County, NM | Cash-out refinance | 79% | 28 | 21 |
| Bernalillo County, NM | Investment home improvement | 70% | 23 | 11 |
The county markets where Kirtland Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Kirtland Federal Credit Union
What is Kirtland Federal Credit Union's mortgage approval rate?
Kirtland Federal Credit Union approved 81.5% of the 1,353 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 72.3% national rate for the same mix of loan types.
How often do borrowers take the loan Kirtland Federal Credit Union offers?
Borrowers accepted 90% of the loans Kirtland 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 Kirtland Federal Credit Union make?
The typical home improvement loan loan Kirtland Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Kirtland Federal Credit Union lend?
Kirtland Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in New Mexico, Arizona and Virginia.
Can I apply to Kirtland Federal Credit Union directly?
Yes. Kirtland Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Kirtland 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 Kirtland Federal Credit Union treats applications, then get a rate quote from the lender.