Sefcu Services, LLC mortgage approval rate & lending review
Sefcu Services, LLC decided 7,883 mortgage applications and funded 7,429 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sefcu Services, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sefcu Services, LLC at a glance
Approval is 11.7 points above the 86.3% 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 | 98% | 6,837 / 6,943 | 96% | $285K | 6,584 |
| Cash-out refinance | 95% | 333 / 352 | 96% | $235K | 320 |
| Refinance | 98% | 210 / 215 | 94% | $265K | 197 |
| Investment property purchase | 96% | 306 / 320 | 93% | $205K | 285 |
| Investment cash-out refinance | 85% | 40 / 47 | 98% | $135K | 39 |
Sefcu Services, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 98% | $285K | 7,883 | 7,429 |
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 Sefcu Services, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Albany County, NY | Mortgage lenders | 98% | 2,129 | 2,009 |
| Saratoga County, NY | Mortgage lenders | 99% | 1,320 | 1,261 |
| Rensselaer County, NY | Mortgage lenders | 98% | 1,058 | 998 |
| Schenectady County, NY | Mortgage lenders | 98% | 885 | 829 |
| Onondaga County, NY | Mortgage lenders | 99% | 780 | 760 |
| Oneida County, NY | Mortgage lenders | 97% | 212 | 199 |
| Erie County, NY | Mortgage lenders | 99% | 188 | 182 |
| Broome County, NY | Mortgage lenders | 98% | 162 | 154 |
| Albany County, NY | Cash-out refinance | 93% | 120 | 107 |
| Albany County, NY | Investment property purchase | 98% | 105 | 92 |
| Saratoga County, NY | Cash-out refinance | 97% | 69 | 66 |
| Oswego County, NY | Mortgage lenders | 97% | 67 | 62 |
The county markets where Sefcu Services, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Sefcu Services, LLC
What is Sefcu Services, LLC's mortgage approval rate?
Sefcu Services, LLC approved 98.1% of the 7,883 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Sefcu Services, LLC offers?
Borrowers accepted 96% of the loans Sefcu Services, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sefcu Services, LLC make?
The typical home purchase mortgage loan Sefcu Services, LLC made was $285K; across all loan types its typical loan ran from $135K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sefcu Services, LLC lend?
Sefcu Services, LLC decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Sefcu Services, LLC directly?
Yes. Sefcu Services, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Sefcu Services, LLC'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 Sefcu Services, LLC treats applications, then get a rate quote from the lender.