Ume Federal Credit Union mortgage approval rate & lending review
Ume Federal Credit Union decided 303 mortgage applications and funded 259 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ume Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ume Federal Credit Union at a glance
Approval is 28.3 points above the 64.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 92% | 241 / 261 | 91% | $205K | 219 |
Ume Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 93% | $205K | 303 | 259 |
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 Ume Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 93% | 238 | 202 |
The county markets where Ume Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Ume Federal Credit Union
What is Ume Federal Credit Union's mortgage approval rate?
Ume Federal Credit Union approved 93.1% of the 303 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 28.3 points above the 64.8% national rate for the same mix of loan types.
How often do borrowers take the loan Ume Federal Credit Union offers?
Borrowers accepted 92% of the loans Ume 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 Ume Federal Credit Union make?
The typical home improvement loan loan Ume Federal Credit Union made was $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ume Federal Credit Union lend?
Ume Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Ume Federal Credit Union directly?
Yes. Ume Federal Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ume 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 Ume Federal Credit Union treats applications, then get a rate quote from the lender.