U. T. Federal Credit Union mortgage approval rate & lending review
U. T. Federal Credit Union decided 306 mortgage applications and funded 235 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions U. T. Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
U. T. Federal Credit Union at a glance
Approval is 12.3 points above the 70.7% 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 | 90% | 56 / 62 | 95% | $295K | 53 |
| Home improvement loans | 78% | 119 / 152 | 94% | $65K | 112 |
| Cash-out refinance | 82% | 42 / 51 | 88% | $75K | 37 |
U. T. Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 83% | $75K | 304 | 234 |
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 U. T. Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Knox County, TN | Home improvement loans | 81% | 140 | 107 |
| Knox County, TN | Cash-out refinance | 82% | 39 | 27 |
The county markets where U. T. Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about U. T. Federal Credit Union
What is U. T. Federal Credit Union's mortgage approval rate?
U. T. Federal Credit Union approved 83.0% of the 306 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 70.7% national rate for the same mix of loan types.
How often do borrowers take the loan U. T. Federal Credit Union offers?
Borrowers accepted 93% of the loans U. T. 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 U. T. Federal Credit Union make?
The typical home improvement loan loan U. T. Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does U. T. Federal Credit Union lend?
U. T. Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Tennessee, Florida and North Carolina.
Can I apply to U. T. Federal Credit Union directly?
Yes. U. T. Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show U. T. 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 U. T. Federal Credit Union treats applications, then get a rate quote from the lender.