United Federal Credit Union mortgage approval rate & lending review
United Federal Credit Union decided 7,574 mortgage applications and funded 5,625 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Federal Credit Union at a glance
Approval is 4.0 points above the 73.7% 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 | 92% | 2,270 / 2,457 | 99% | $265K | 2,257 |
| Home improvement loans | 66% | 2,145 / 3,257 | 91% | $55K | 1,945 |
| Cash-out refinance | 83% | 402 / 487 | 99% | $165K | 396 |
| Refinance | 77% | 795 / 1,036 | 96% | $75K | 763 |
| Investment property purchase | 89% | 188 / 212 | 99% | $225K | 187 |
| Investment cash-out refinance | 73% | 19 / 26 | 100% | $165K | 19 |
| Investment refinance | 81% | 26 / 32 | 96% | $195K | 25 |
| Investment home improvement | 58% | 39 / 67 | 85% | $105K | 33 |
United Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 81% | $125K | 2,894 | 2,243 |
| Nevada | 73% | $135K | 1,284 | 883 |
| North Carolina | 79% | $95K | 1,196 | 908 |
| Arkansas | 77% | $225K | 1,043 | 767 |
| Indiana | 77% | $165K | 636 | 480 |
| Pennsylvania | 71% | $95K | 137 | 89 |
| Florida | 75% | $305K | 72 | 50 |
| South Carolina | 90% | $305K | 58 | 49 |
| California | 55% | $345K | 42 | 21 |
| Ohio | 72% | $265K | 40 | 28 |
| Illinois | 70% | $605K | 20 | 13 |
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 United Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berrien County, MI | Mortgage lenders | 94% | 705 | 656 |
| Berrien County, MI | Home improvement loans | 72% | 862 | 553 |
| Washoe County, NV | Home improvement loans | 66% | 703 | 424 |
| Berrien County, MI | Refinance | 83% | 308 | 244 |
| Washoe County, NV | Mortgage lenders | 86% | 244 | 211 |
| Benton County, AR | Mortgage lenders | 93% | 215 | 197 |
| Buncombe County, NC | Mortgage lenders | 96% | 153 | 147 |
| St. Joseph County, IN | Mortgage lenders | 97% | 151 | 146 |
| Washoe County, NV | Refinance | 77% | 191 | 143 |
| Henderson County, NC | Mortgage lenders | 95% | 150 | 143 |
| Henderson County, NC | Home improvement loans | 75% | 197 | 140 |
| Berrien County, MI | Cash-out refinance | 85% | 150 | 125 |
The county markets where United Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about United Federal Credit Union
What is United Federal Credit Union's mortgage approval rate?
United Federal Credit Union approved 77.7% of the 7,574 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.0 points above the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan United Federal Credit Union offers?
Borrowers accepted 96% of the loans United 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 United Federal Credit Union make?
The typical home improvement loan loan United Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Federal Credit Union lend?
United Federal Credit Union decided applications in 36 of the states Fat Boy Data covers, most of them in Michigan, Nevada and North Carolina.
Can I apply to United Federal Credit Union directly?
Yes. United Federal Credit Union is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United 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 United Federal Credit Union treats applications, then get a rate quote from the lender.