Mountain America Federal Credit Union mortgage approval rate & lending review
Mountain America Federal Credit Union decided 31,766 mortgage applications and funded 19,182 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mountain America Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mountain America Federal Credit Union at a glance
Approval is 10.6 points below the 72.2% 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 | 78% | 3,509 / 4,524 | 98% | $395K | 3,454 |
| Home improvement loans | 63% | 7,308 / 11,632 | 97% | $75K | 7,120 |
| Cash-out refinance | 66% | 1,810 / 2,724 | 99% | $165K | 1,791 |
| Refinance | 56% | 6,299 / 11,243 | 98% | $125K | 6,181 |
| Investment property purchase | 66% | 453 / 691 | 100% | $405K | 452 |
| Investment cash-out refinance | 45% | 98 / 217 | 99% | $195K | 97 |
| Investment refinance | 17% | 45 / 268 | 100% | $235K | 45 |
| Investment home improvement | 10% | 47 / 467 | 89% | $155K | 42 |
Mountain America Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 63% | $125K | 22,815 | 14,007 |
| Arizona | 57% | $125K | 3,922 | 2,204 |
| Idaho | 65% | $95K | 2,305 | 1,471 |
| Nevada | 56% | $125K | 1,691 | 924 |
| New Mexico | 54% | $65K | 371 | 194 |
| Montana | 52% | $105K | 265 | 135 |
| Colorado | 53% | $415K | 159 | 83 |
| Washington | 74% | $485K | 130 | 95 |
| Oregon | 81% | $385K | 83 | 67 |
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 Mountain America Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Home improvement loans | 65% | 3,928 | 2,475 |
| Salt Lake County, UT | Refinance | 57% | 4,010 | 2,228 |
| Utah County, UT | Home improvement loans | 65% | 1,980 | 1,266 |
| Utah County, UT | Refinance | 58% | 2,028 | 1,154 |
| Salt Lake County, UT | Mortgage lenders | 75% | 1,269 | 938 |
| Maricopa County, AZ | Home improvement loans | 60% | 1,127 | 650 |
| Washington County, UT | Home improvement loans | 67% | 938 | 606 |
| Salt Lake County, UT | Cash-out refinance | 67% | 883 | 588 |
| Davis County, UT | Refinance | 61% | 969 | 587 |
| Utah County, UT | Mortgage lenders | 77% | 742 | 561 |
| Davis County, UT | Home improvement loans | 69% | 804 | 541 |
| Washington County, UT | Refinance | 56% | 859 | 468 |
The county markets where Mountain America Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mountain America Federal Credit Union
What is Mountain America Federal Credit Union's mortgage approval rate?
Mountain America Federal Credit Union approved 61.6% of the 31,766 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.6 points below the 72.2% national rate for the same mix of loan types.
How often do borrowers take the loan Mountain America Federal Credit Union offers?
Borrowers accepted 98% of the loans Mountain America 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 Mountain America Federal Credit Union make?
The typical home improvement loan loan Mountain America Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mountain America Federal Credit Union lend?
Mountain America Federal Credit Union decided applications in 20 of the states Fat Boy Data covers, most of them in Utah, Arizona and Idaho.
Can I apply to Mountain America Federal Credit Union directly?
Yes. Mountain America Federal Credit Union is a bank or credit union with 109 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mountain America 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 Mountain America Federal Credit Union treats applications, then get a rate quote from the lender.