State Department Federal Credit Union mortgage approval rate & lending review
State Department Federal Credit Union decided 2,319 mortgage applications and funded 1,572 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions State Department Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
State Department Federal Credit Union at a glance
Approval is 1.2 points above the 68.3% 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 | 89% | 300 / 338 | 99% | $385K | 298 |
| Home improvement loans | 69% | 1,052 / 1,531 | 97% | $145K | 1,022 |
| Cash-out refinance | 60% | 31 / 52 | 97% | $325K | 30 |
| Refinance | 64% | 174 / 274 | 96% | $205K | 167 |
| Investment property purchase | 83% | 30 / 36 | 100% | $205K | 30 |
| Investment home improvement | 26% | 15 / 57 | 100% | $55K | 15 |
State Department Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 81% | $145K | 446 | 357 |
| Maryland | 61% | $85K | 362 | 216 |
| California | 62% | $235K | 287 | 169 |
| District of Columbia | 67% | $115K | 154 | 100 |
| Florida | 63% | $155K | 131 | 79 |
| New Jersey | 62% | $255K | 85 | 53 |
| Illinois | 73% | $155K | 71 | 49 |
| Pennsylvania | 62% | $155K | 71 | 43 |
| New York | 75% | $275K | 67 | 50 |
| Washington | 67% | $295K | 61 | 41 |
| North Carolina | 75% | $105K | 60 | 44 |
| Massachusetts | 82% | $245K | 55 | 45 |
| Georgia | 50% | $155K | 52 | 26 |
| South Carolina | 75% | $115K | 44 | 33 |
| Ohio | 75% | $95K | 36 | 27 |
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 State Department Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Home improvement loans | 81% | 104 | 81 |
| Prince George's County, MD | Home improvement loans | 53% | 109 | 57 |
| Montgomery County, MD | Home improvement loans | 81% | 53 | 41 |
| Arlington County, VA | Home improvement loans | 85% | 34 | 29 |
| Arlington County, VA | Mortgage lenders | 100% | 23 | 23 |
| Fairfax County, VA | Refinance | 71% | 31 | 22 |
| San Diego County, CA | Home improvement loans | 78% | 27 | 20 |
| King County, WA | Home improvement loans | 64% | 28 | 18 |
| Prince George's County, MD | Refinance | 57% | 21 | 12 |
The county markets where State Department Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about State Department Federal Credit Union
What is State Department Federal Credit Union's mortgage approval rate?
State Department Federal Credit Union approved 69.5% of the 2,319 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.2 points above the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan State Department Federal Credit Union offers?
Borrowers accepted 98% of the loans State Department 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 State Department Federal Credit Union make?
The typical home improvement loan loan State Department Federal Credit Union made was $145K; across all loan types its typical loan ran from $55K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does State Department Federal Credit Union lend?
State Department Federal Credit Union decided applications in 48 of the states Fat Boy Data covers, most of them in Virginia, Maryland and California.
Can I apply to State Department Federal Credit Union directly?
Yes. State Department 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 State Department 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 State Department Federal Credit Union treats applications, then get a rate quote from the lender.