Lender profile · HMDA 2023–2025
STANFORD Federal Credit Union mortgage approval rates & lending data
STANFORD Federal Credit Union decided 2,695 mortgage applications and funded 2,331 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 958 / 968 | 94% | $925K | 899 |
| Home improvement loans | 100% | 450 / 450 | 92% | $355K | 415 |
| Cash-out refinance | 83% | 105 / 127 | 74% | $475K | 78 |
| Refinance | 88% | 862 / 974 | 93% | $305K | 802 |
| Investment property purchase | 98% | 57 / 58 | 91% | $345K | 52 |
| Investment cash-out refinance | 79% | 41 / 52 | 93% | $225K | 38 |
| Investment refinance | 71% | 29 / 41 | 90% | $225K | 26 |
| Investment home improvement | 100% | 25 / 25 | 84% | $205K | 21 |
STANFORD Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 94% | $355K | 2,326 | 2,019 |
| Texas | 95% | $465K | 42 | 36 |
| Washington | 92% | $805K | 40 | 31 |
| Pennsylvania | 97% | $465K | 29 | 26 |
| Florida | 93% | $705K | 27 | 23 |
| Oregon | 100% | $415K | 26 | 23 |
| Georgia | 100% | $505K | 17 | 14 |
| New Jersey | 93% | $525K | 15 | 12 |
| Arizona | 85% | $305K | 13 | 9 |
| Illinois | 85% | $345K | 13 | 10 |
| Nevada | 92% | $415K | 13 | 12 |
| New York | 92% | $435K | 13 | 12 |
| Virginia | 92% | $645K | 12 | 11 |
| Colorado | 91% | $505K | 11 | 8 |
| Massachusetts | 90% | $415K | 10 | 9 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.