Signature Federal Credit Union mortgage approval rate & lending review
Signature Federal Credit Union decided 649 mortgage applications and funded 428 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Signature Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Signature Federal Credit Union at a glance
Approval is 2.2 points below the 68.2% 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 | 81% | 22 / 27 | 100% | $245K | 22 |
| Home improvement loans | 66% | 186 / 281 | 100% | $95K | 186 |
| Refinance | 71% | 107 / 150 | 100% | $105K | 107 |
| Investment cash-out refinance | 46% | 29 / 63 | 100% | $75K | 29 |
| Investment refinance | 58% | 21 / 36 | 100% | $65K | 21 |
| Investment home improvement | 63% | 40 / 63 | 100% | $75K | 40 |
Signature Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 68% | $95K | 80 | 54 |
| Florida | 66% | $135K | 61 | 40 |
| Virginia | 87% | $85K | 45 | 39 |
| Maryland | 58% | $75K | 31 | 18 |
| New Jersey | 67% | $145K | 30 | 20 |
| Georgia | 55% | $85K | 29 | 16 |
| North Carolina | 62% | $65K | 29 | 18 |
| Illinois | 64% | $75K | 28 | 18 |
| New York | 68% | $105K | 28 | 19 |
| Pennsylvania | 62% | $95K | 24 | 15 |
| Ohio | 61% | $85K | 23 | 14 |
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.
Questions about Signature Federal Credit Union
What is Signature Federal Credit Union's mortgage approval rate?
Signature Federal Credit Union approved 65.9% of the 649 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.2 points below the 68.2% national rate for the same mix of loan types.
How often do borrowers take the loan Signature Federal Credit Union offers?
Borrowers accepted 100% of the loans Signature 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 Signature Federal Credit Union make?
The typical home improvement loan loan Signature Federal Credit Union made was $95K; across all loan types its typical loan ran from $65K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Signature Federal Credit Union lend?
Signature Federal Credit Union decided applications in 44 of the states Fat Boy Data covers, most of them in California, Florida and Virginia.
Can I apply to Signature Federal Credit Union directly?
Yes. Signature Federal Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Signature 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 Signature Federal Credit Union treats applications, then get a rate quote from the lender.