Mirastar Federal Credit Union mortgage approval rate & lending review
Mirastar Federal Credit Union decided 495 mortgage applications and funded 364 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mirastar Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mirastar Federal Credit Union at a glance
Approval is 12.1 points above the 67.7% 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 | 85% | 34 / 40 | 85% | $255K | 29 |
| Home improvement loans | 80% | 261 / 326 | 93% | $125K | 244 |
| Cash-out refinance | 92% | 23 / 25 | 78% | $435K | 18 |
| Refinance | 81% | 77 / 95 | 95% | $205K | 73 |
Mirastar Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 80% | $125K | 495 | 364 |
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 Mirastar Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Home improvement loans | 81% | 232 | 176 |
| Santa Clara County, CA | Refinance | 76% | 63 | 46 |
| San Joaquin County, CA | Home improvement loans | 70% | 20 | 14 |
The county markets where Mirastar Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mirastar Federal Credit Union
What is Mirastar Federal Credit Union's mortgage approval rate?
Mirastar Federal Credit Union approved 79.8% of the 495 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.1 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan Mirastar Federal Credit Union offers?
Borrowers accepted 92% of the loans Mirastar 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 Mirastar Federal Credit Union make?
The typical home improvement loan loan Mirastar Federal Credit Union made was $125K; across all loan types its typical loan ran from $125K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mirastar Federal Credit Union lend?
Mirastar Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Mirastar Federal Credit Union directly?
Yes. Mirastar Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mirastar 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 Mirastar Federal Credit Union treats applications, then get a rate quote from the lender.