Merced School Employees Federal Credit Union mortgage approval rate & lending review
Merced School Employees Federal Credit Union decided 251 mortgage applications and funded 224 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Merced School Employees Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Merced School Employees Federal Credit Union at a glance
Approval is 24.0 points above the 68.5% 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% | 30 / 31 | 93% | $335K | 28 |
| Home improvement loans | 93% | 117 / 126 | 97% | $75K | 114 |
| Cash-out refinance | 91% | 62 / 68 | 97% | $205K | 60 |
Merced School Employees Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 92% | $75K | 251 | 224 |
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 Merced School Employees Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Merced County, CA | Home improvement loans | 93% | 126 | 114 |
| Merced County, CA | Cash-out refinance | 91% | 68 | 60 |
| Merced County, CA | Mortgage lenders | 97% | 31 | 28 |
The county markets where Merced School Employees Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Merced School Employees Federal Credit Union
What is Merced School Employees Federal Credit Union's mortgage approval rate?
Merced School Employees Federal Credit Union approved 92.4% of the 251 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 24.0 points above the 68.5% national rate for the same mix of loan types.
How often do borrowers take the loan Merced School Employees Federal Credit Union offers?
Borrowers accepted 97% of the loans Merced School Employees 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 Merced School Employees Federal Credit Union make?
The typical home improvement loan loan Merced School Employees Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Merced School Employees Federal Credit Union lend?
Merced School Employees Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Merced School Employees Federal Credit Union directly?
Yes. Merced School Employees Federal Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Merced School Employees 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 Merced School Employees Federal Credit Union treats applications, then get a rate quote from the lender.