Southwest Airlines Federal Credit Union mortgage approval rate & lending review
Southwest Airlines Federal Credit Union decided 1,143 mortgage applications and funded 873 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southwest Airlines Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southwest Airlines Federal Credit Union at a glance
Approval is 5.8 points above the 70.6% 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 | 88% | 141 / 160 | 100% | $335K | 141 |
| Home improvement loans | 85% | 183 / 215 | 100% | $85K | 183 |
| Cash-out refinance | 77% | 527 / 684 | 100% | $75K | 527 |
| Refinance | 22% | 17 / 76 | 100% | $105K | 17 |
Southwest Airlines Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 76% | $95K | 488 | 372 |
| Arizona | 88% | $65K | 138 | 122 |
| Florida | 75% | $75K | 93 | 70 |
| Georgia | 66% | $75K | 61 | 40 |
| Illinois | 79% | $55K | 48 | 38 |
| Nevada | 65% | $85K | 48 | 31 |
| California | 70% | $95K | 46 | 32 |
| Colorado | 80% | $85K | 45 | 36 |
| Tennessee | 65% | $75K | 23 | 15 |
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 Southwest Airlines Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dallas County, TX | Cash-out refinance | 76% | 68 | 52 |
| Tarrant County, TX | Cash-out refinance | 84% | 49 | 41 |
| Denton County, TX | Cash-out refinance | 90% | 41 | 37 |
| Collin County, TX | Cash-out refinance | 77% | 30 | 23 |
| Denton County, TX | Home improvement loans | 95% | 21 | 20 |
| Dallas County, TX | Home improvement loans | 68% | 25 | 17 |
The county markets where Southwest Airlines Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Southwest Airlines Federal Credit Union
What is Southwest Airlines Federal Credit Union's mortgage approval rate?
Southwest Airlines Federal Credit Union approved 76.4% of the 1,143 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Southwest Airlines Federal Credit Union offers?
Borrowers accepted 100% of the loans Southwest Airlines Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southwest Airlines Federal Credit Union make?
The typical cash-out refinance loan Southwest Airlines Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southwest Airlines Federal Credit Union lend?
Southwest Airlines Federal Credit Union decided applications in 42 of the states Fat Boy Data covers, most of them in Texas, Arizona and Florida.
Can I apply to Southwest Airlines Federal Credit Union directly?
Yes. Southwest Airlines Federal Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Southwest Airlines 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 Southwest Airlines Federal Credit Union treats applications, then get a rate quote from the lender.