United States Senate Federal Credit Union mortgage approval rate & lending review
United States Senate Federal Credit Union decided 1,007 mortgage applications and funded 742 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United States Senate Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United States Senate Federal Credit Union at a glance
Approval is 22.1 points above the 65.2% 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 | 90% | 701 / 779 | 84% | $115K | 587 |
| Refinance | 84% | 153 / 183 | 88% | $155K | 134 |
United States Senate Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 90% | $125K | 201 | 160 |
| Virginia | 95% | $105K | 164 | 131 |
| Maryland | 82% | $75K | 158 | 105 |
| District of Columbia | 87% | $115K | 89 | 59 |
| Florida | 86% | $135K | 64 | 47 |
| North Carolina | 86% | $155K | 36 | 27 |
| Arizona | 94% | $105K | 35 | 29 |
| New Jersey | 83% | $135K | 30 | 21 |
| Georgia | 84% | $145K | 25 | 19 |
| Pennsylvania | 92% | $45K | 25 | 18 |
| Nevada | 67% | $75K | 21 | 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 States Senate Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Home improvement loans | 100% | 57 | 46 |
| Riverside County, CA | Home improvement loans | 94% | 31 | 27 |
| Montgomery County, MD | Home improvement loans | 88% | 32 | 24 |
| Prince George's County, MD | Home improvement loans | 84% | 37 | 20 |
| Alexandria city, VA | Home improvement loans | 90% | 21 | 16 |
The county markets where United States Senate Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about United States Senate Federal Credit Union
What is United States Senate Federal Credit Union's mortgage approval rate?
United States Senate Federal Credit Union approved 87.3% of the 1,007 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.1 points above the 65.2% national rate for the same mix of loan types.
How often do borrowers take the loan United States Senate Federal Credit Union offers?
Borrowers accepted 84% of the loans United States Senate 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 States Senate Federal Credit Union make?
The typical home improvement loan loan United States Senate Federal Credit Union made was $115K; across all loan types its typical loan ran from $115K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United States Senate Federal Credit Union lend?
United States Senate Federal Credit Union decided applications in 44 of the states Fat Boy Data covers, most of them in California, Virginia and Maryland.
Can I apply to United States Senate Federal Credit Union directly?
Yes. United States Senate Federal Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United States Senate 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 States Senate Federal Credit Union treats applications, then get a rate quote from the lender.