MAX Credit Union mortgage approval rate & lending review
MAX Credit Union decided 1,135 mortgage applications and funded 812 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions MAX Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
MAX Credit Union at a glance
Approval is 1.5 points above the 70.1% 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 | 97% | 136 / 140 | 100% | $205K | 136 |
| Home improvement loans | 61% | 227 / 370 | 100% | $55K | 227 |
| Cash-out refinance | 68% | 321 / 472 | 100% | $55K | 320 |
| Refinance | 91% | 68 / 75 | 100% | $65K | 68 |
| Investment property purchase | 100% | 40 / 40 | 100% | $185K | 40 |
MAX Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 72% | $55K | 1,118 | 799 |
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 MAX Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, AL | Cash-out refinance | 67% | 384 | 256 |
| Montgomery County, AL | Home improvement loans | 59% | 279 | 164 |
| Montgomery County, AL | Mortgage lenders | 96% | 81 | 78 |
| Lee County, AL | Home improvement loans | 71% | 70 | 50 |
| Lee County, AL | Cash-out refinance | 71% | 65 | 46 |
| Montgomery County, AL | Refinance | 91% | 47 | 43 |
| Lee County, AL | Mortgage lenders | 97% | 38 | 37 |
The county markets where MAX Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about MAX Credit Union
What is MAX Credit Union's mortgage approval rate?
MAX Credit Union approved 71.6% of the 1,135 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan MAX Credit Union offers?
Borrowers accepted 100% of the loans MAX Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does MAX Credit Union make?
The typical cash-out refinance loan MAX Credit Union made was $55K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does MAX Credit Union lend?
MAX Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Alabama, Florida and Georgia.
Can I apply to MAX Credit Union directly?
Yes. MAX Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show MAX 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 MAX Credit Union treats applications, then get a rate quote from the lender.