Lighthouse Federal Credit Union mortgage approval rate & lending review
Lighthouse Federal Credit Union decided 3,584 mortgage applications and funded 2,156 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lighthouse Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lighthouse Federal Credit Union at a glance
Approval is 0.8 points below the 68.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 69% | 344 / 499 | 79% | $335K | 272 |
| Home improvement loans | 65% | 1,436 / 2,213 | 92% | $65K | 1,322 |
| Cash-out refinance | 74% | 483 / 655 | 90% | $115K | 434 |
| Refinance | 66% | 99 / 149 | 85% | $75K | 84 |
| Investment property purchase | 83% | 35 / 42 | 94% | $425K | 33 |
Lighthouse Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 68% | $75K | 2,179 | 1,315 |
| Maine | 68% | $65K | 1,340 | 829 |
| Massachusetts | 38% | $105K | 42 | 12 |
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 Lighthouse Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, ME | Home improvement loans | 67% | 661 | 414 |
| Strafford County, NH | Home improvement loans | 69% | 548 | 346 |
| Rockingham County, NH | Home improvement loans | 64% | 500 | 293 |
| York County, ME | Cash-out refinance | 75% | 195 | 132 |
| Rockingham County, NH | Cash-out refinance | 79% | 173 | 119 |
| Strafford County, NH | Cash-out refinance | 72% | 169 | 111 |
| Merrimack County, NH | Home improvement loans | 61% | 176 | 101 |
| York County, ME | Mortgage lenders | 70% | 171 | 97 |
| Hillsborough County, NH | Home improvement loans | 62% | 160 | 87 |
| Cumberland County, ME | Home improvement loans | 65% | 113 | 69 |
| Strafford County, NH | Mortgage lenders | 72% | 107 | 60 |
| Rockingham County, NH | Mortgage lenders | 77% | 78 | 45 |
The county markets where Lighthouse Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Lighthouse Federal Credit Union
What is Lighthouse Federal Credit Union's mortgage approval rate?
Lighthouse Federal Credit Union approved 67.2% of the 3,584 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.8 points below the 68.1% national rate for the same mix of loan types.
How often do borrowers take the loan Lighthouse Federal Credit Union offers?
Borrowers accepted 89% of the loans Lighthouse 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 Lighthouse Federal Credit Union make?
The typical home improvement loan loan Lighthouse Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lighthouse Federal Credit Union lend?
Lighthouse Federal Credit Union decided applications in 19 of the states Fat Boy Data covers, most of them in New Hampshire, Maine and Massachusetts.
Can I apply to Lighthouse Federal Credit Union directly?
Yes. Lighthouse Federal Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lighthouse 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 Lighthouse Federal Credit Union treats applications, then get a rate quote from the lender.