Umassfive College Federal Credit Union mortgage approval rate & lending review
Umassfive College Federal Credit Union decided 703 mortgage applications and funded 505 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Umassfive College Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Umassfive College Federal Credit Union at a glance
Approval is 17.9 points above the 66.0% 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% | 45 / 50 | 98% | $325K | 44 |
| Home improvement loans | 85% | 463 / 545 | 84% | $75K | 390 |
| Refinance | 77% | 61 / 79 | 85% | $85K | 52 |
Umassfive College Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 85% | $75K | 679 | 492 |
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 Umassfive College Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampshire County, MA | Home improvement loans | 86% | 244 | 171 |
| Worcester County, MA | Home improvement loans | 87% | 103 | 80 |
| Hampden County, MA | Home improvement loans | 81% | 96 | 63 |
| Middlesex County, MA | Home improvement loans | 93% | 30 | 24 |
| Hampshire County, MA | Refinance | 74% | 35 | 23 |
| Hampden County, MA | Refinance | 78% | 23 | 14 |
The county markets where Umassfive College Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Umassfive College Federal Credit Union
What is Umassfive College Federal Credit Union's mortgage approval rate?
Umassfive College Federal Credit Union approved 83.9% of the 703 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.9 points above the 66.0% national rate for the same mix of loan types.
How often do borrowers take the loan Umassfive College Federal Credit Union offers?
Borrowers accepted 86% of the loans Umassfive College 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 Umassfive College Federal Credit Union make?
The typical home improvement loan loan Umassfive College Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Umassfive College Federal Credit Union lend?
Umassfive College Federal Credit Union decided applications in 12 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and New York.
Can I apply to Umassfive College Federal Credit Union directly?
Yes. Umassfive College 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 Umassfive College 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 Umassfive College Federal Credit Union treats applications, then get a rate quote from the lender.