STANFORD Federal Credit Union mortgage approval rate & lending review
STANFORD Federal Credit Union decided 2,695 mortgage applications and funded 2,331 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions STANFORD Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
STANFORD Federal Credit Union at a glance
Approval is 16.0 points above the 77.7% 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 | 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 |
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 STANFORD Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Refinance | 90% | 283 | 241 |
| Santa Clara County, CA | Mortgage lenders | 100% | 225 | 215 |
| San Mateo County, CA | Mortgage lenders | 99% | 198 | 189 |
| San Mateo County, CA | Refinance | 92% | 159 | 139 |
| Santa Clara County, CA | Home improvement loans | 100% | 141 | 127 |
| Alameda County, CA | Refinance | 94% | 145 | 125 |
| Alameda County, CA | Mortgage lenders | 99% | 112 | 99 |
| San Mateo County, CA | Home improvement loans | 100% | 93 | 88 |
| San Francisco County, CA | Mortgage lenders | 100% | 59 | 56 |
| Alameda County, CA | Home improvement loans | 100% | 51 | 47 |
| Contra Costa County, CA | Refinance | 80% | 49 | 34 |
| San Francisco County, CA | Refinance | 97% | 33 | 30 |
The county markets where STANFORD Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about STANFORD Federal Credit Union
What is STANFORD Federal Credit Union's mortgage approval rate?
STANFORD Federal Credit Union approved 93.8% of the 2,695 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.0 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan STANFORD Federal Credit Union offers?
Borrowers accepted 92% of the loans STANFORD Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does STANFORD Federal Credit Union make?
The typical mortgage refinance loan STANFORD Federal Credit Union made was $305K; across all loan types its typical loan ran from $205K to $925K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does STANFORD Federal Credit Union lend?
STANFORD Federal Credit Union decided applications in 41 of the states Fat Boy Data covers, most of them in California, Texas and Washington.
Can I apply to STANFORD Federal Credit Union directly?
Yes. STANFORD Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show STANFORD 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 STANFORD Federal Credit Union treats applications, then get a rate quote from the lender.