Mission Federal Credit Union mortgage approval rate & lending review
Mission Federal Credit Union decided 5,329 mortgage applications and funded 4,142 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mission Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mission Federal Credit Union at a glance
Approval is 15.6 points above the 69.5% 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% | 1,247 / 1,289 | 83% | $805K | 1,033 |
| Home improvement loans | 81% | 2,911 / 3,601 | 95% | $105K | 2,764 |
| Cash-out refinance | 79% | 152 / 193 | 89% | $225K | 135 |
| Refinance | 92% | 210 / 229 | 95% | $875K | 199 |
Mission Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 85% | $105K | 5,329 | 4,142 |
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 Mission Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Home improvement loans | 81% | 3,601 | 2,764 |
| San Diego County, CA | Mortgage lenders | 97% | 1,269 | 1,017 |
| San Diego County, CA | Refinance | 92% | 226 | 199 |
| San Diego County, CA | Cash-out refinance | 78% | 190 | 132 |
The county markets where Mission Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mission Federal Credit Union
What is Mission Federal Credit Union's mortgage approval rate?
Mission Federal Credit Union approved 85.1% of the 5,329 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.6 points above the 69.5% national rate for the same mix of loan types.
How often do borrowers take the loan Mission Federal Credit Union offers?
Borrowers accepted 91% of the loans Mission 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 Mission Federal Credit Union make?
The typical home improvement loan loan Mission Federal Credit Union made was $105K; across all loan types its typical loan ran from $105K to $875K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mission Federal Credit Union lend?
Mission Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Mission Federal Credit Union directly?
Yes. Mission Federal Credit Union is a bank or credit union with 36 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mission 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 Mission Federal Credit Union treats applications, then get a rate quote from the lender.