United Nations Federal Credit Union mortgage approval rate & lending review
United Nations Federal Credit Union decided 4,363 mortgage applications and funded 3,873 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Nations Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Nations Federal Credit Union at a glance
Approval is 4.5 points above the 84.9% 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 | 92% | 2,171 / 2,372 | 99% | $605K | 2,155 |
| Cash-out refinance | 71% | 89 / 125 | 100% | $505K | 89 |
| Refinance | 87% | 478 / 551 | 99% | $795K | 474 |
| Investment property purchase | 91% | 981 / 1,080 | 99% | $335K | 975 |
| Investment cash-out refinance | 72% | 46 / 64 | 100% | $385K | 46 |
| Investment refinance | 79% | 114 / 145 | 100% | $435K | 114 |
United Nations Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 89% | $755K | 928 | 826 |
| New York | 90% | $525K | 921 | 818 |
| New Jersey | 91% | $585K | 631 | 569 |
| Maryland | 92% | $685K | 419 | 385 |
| Massachusetts | 92% | $795K | 317 | 293 |
| North Carolina | 84% | $275K | 199 | 166 |
| Florida | 80% | $325K | 186 | 147 |
| District of Columbia | 90% | $665K | 168 | 151 |
| Pennsylvania | 88% | $235K | 88 | 77 |
| Georgia | 92% | $655K | 77 | 71 |
| Texas | 83% | $335K | 75 | 62 |
| California | 90% | $955K | 67 | 59 |
| Connecticut | 84% | $425K | 38 | 32 |
| Washington | 91% | $915K | 32 | 29 |
| South Carolina | 90% | $295K | 29 | 26 |
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 Nations Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Loudoun County, VA | Mortgage lenders | 88% | 206 | 182 |
| New York County, NY | Mortgage lenders | 94% | 192 | 174 |
| Queens County, NY | Mortgage lenders | 89% | 183 | 161 |
| Loudoun County, VA | Refinance | 85% | 161 | 136 |
| Montgomery County, MD | Mortgage lenders | 96% | 140 | 135 |
| Fairfax County, VA | Mortgage lenders | 93% | 135 | 124 |
| Kings County, NY | Mortgage lenders | 92% | 111 | 100 |
| Westchester County, NY | Mortgage lenders | 94% | 99 | 92 |
| Hudson County, NJ | Mortgage lenders | 90% | 90 | 81 |
| Frederick County, MD | Investment property purchase | 90% | 60 | 54 |
| Middlesex County, MA | Refinance | 100% | 49 | 49 |
| Essex County, NJ | Mortgage lenders | 88% | 57 | 49 |
The county markets where United Nations Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about United Nations Federal Credit Union
What is United Nations Federal Credit Union's mortgage approval rate?
United Nations Federal Credit Union approved 89.4% of the 4,363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.5 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan United Nations Federal Credit Union offers?
Borrowers accepted 99% of the loans United Nations Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Nations Federal Credit Union make?
The typical home purchase mortgage loan United Nations Federal Credit Union made was $605K; across all loan types its typical loan ran from $335K to $795K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Nations Federal Credit Union lend?
United Nations Federal Credit Union decided applications in 41 of the states Fat Boy Data covers, most of them in Virginia, New York and New Jersey.
Can I apply to United Nations Federal Credit Union directly?
Yes. United Nations Federal Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Nations 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 Nations Federal Credit Union treats applications, then get a rate quote from the lender.