Sharefax Credit Union mortgage approval rate & lending review
Sharefax Credit Union decided 400 mortgage applications and funded 301 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sharefax Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sharefax Credit Union at a glance
Approval is 11.6 points above the 72.4% 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 | 95% | 104 / 109 | 89% | $255K | 93 |
| Home improvement loans | 82% | 153 / 187 | 90% | $45K | 137 |
| Cash-out refinance | 77% | 37 / 48 | 84% | $175K | 31 |
| Refinance | 76% | 19 / 25 | 95% | $295K | 18 |
Sharefax Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 84% | $155K | 383 | 285 |
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 Sharefax Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clermont County, OH | Home improvement loans | 80% | 71 | 52 |
| Clermont County, OH | Mortgage lenders | 95% | 38 | 31 |
| Hamilton County, OH | Home improvement loans | 74% | 47 | 31 |
| Warren County, OH | Home improvement loans | 90% | 41 | 31 |
The county markets where Sharefax Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Sharefax Credit Union
What is Sharefax Credit Union's mortgage approval rate?
Sharefax Credit Union approved 84.0% of the 400 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Sharefax Credit Union offers?
Borrowers accepted 90% of the loans Sharefax 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 Sharefax Credit Union make?
The typical home improvement loan loan Sharefax Credit Union made was $45K; across all loan types its typical loan ran from $45K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sharefax Credit Union lend?
Sharefax Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Florida.
Can I apply to Sharefax Credit Union directly?
Yes. Sharefax Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sharefax 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 Sharefax Credit Union treats applications, then get a rate quote from the lender.