McCoy Federal Credit Union mortgage approval rate & lending review
McCoy Federal Credit Union decided 460 mortgage applications and funded 209 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions McCoy Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
McCoy Federal Credit Union at a glance
Approval is 7.2 points below the 69.0% 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 | 65% | 53 / 82 | 42% | $375K | 22 |
| Home improvement loans | 62% | 158 / 254 | 82% | $65K | 130 |
| Cash-out refinance | 63% | 66 / 105 | 77% | $105K | 51 |
McCoy Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 62% | $65K | 460 | 209 |
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 McCoy Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, FL | Home improvement loans | 60% | 145 | 73 |
| Orange County, FL | Cash-out refinance | 67% | 73 | 34 |
| Osceola County, FL | Home improvement loans | 68% | 56 | 32 |
| Seminole County, FL | Home improvement loans | 71% | 28 | 15 |
The county markets where McCoy Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about McCoy Federal Credit Union
What is McCoy Federal Credit Union's mortgage approval rate?
McCoy Federal Credit Union approved 61.7% of the 460 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points below the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan McCoy Federal Credit Union offers?
Borrowers accepted 74% of the loans McCoy 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 McCoy Federal Credit Union make?
The typical home improvement loan loan McCoy Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does McCoy Federal Credit Union lend?
McCoy Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Florida.
Can I apply to McCoy Federal Credit Union directly?
Yes. McCoy Federal 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 McCoy 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 McCoy Federal Credit Union treats applications, then get a rate quote from the lender.