STRATA Credit Union mortgage approval rate & lending review
STRATA Credit Union decided 337 mortgage applications and funded 232 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions STRATA Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
STRATA Credit Union at a glance
Approval is 3.6 points above the 67.9% 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 | 95% | 42 / 44 | 93% | $395K | 39 |
| Home improvement loans | 73% | 163 / 224 | 98% | $55K | 160 |
| Cash-out refinance | 51% | 19 / 37 | 95% | $215K | 18 |
| Refinance | 54% | 14 / 26 | 100% | $85K | 14 |
STRATA Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 72% | $55K | 335 | 232 |
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 STRATA Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kern County, CA | Home improvement loans | 73% | 221 | 159 |
| Kern County, CA | Cash-out refinance | 51% | 37 | 18 |
| Kern County, CA | Refinance | 54% | 26 | 14 |
The county markets where STRATA Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about STRATA Credit Union
What is STRATA Credit Union's mortgage approval rate?
STRATA Credit Union approved 71.5% of the 337 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.6 points above the 67.9% national rate for the same mix of loan types.
How often do borrowers take the loan STRATA Credit Union offers?
Borrowers accepted 96% of the loans STRATA 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 STRATA Credit Union make?
The typical home improvement loan loan STRATA Credit Union made was $55K; across all loan types its typical loan ran from $55K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does STRATA Credit Union lend?
STRATA Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in California, Florida and Pennsylvania.
Can I apply to STRATA Credit Union directly?
Yes. STRATA Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show STRATA 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 STRATA Credit Union treats applications, then get a rate quote from the lender.