USC Credit Union mortgage approval rate & lending review
USC Credit Union decided 492 mortgage applications and funded 365 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions USC Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
USC Credit Union at a glance
Approval is 7.6 points above the 70.6% 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 | 91% | 103 / 113 | 91% | $625K | 94 |
| Home improvement loans | 73% | 206 / 284 | 96% | $105K | 198 |
| Cash-out refinance | 75% | 21 / 28 | 100% | $375K | 21 |
| Refinance | 84% | 48 / 57 | 96% | $255K | 46 |
USC Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $105K | 492 | 365 |
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 USC Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 70% | 218 | 147 |
The county markets where USC Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about USC Credit Union
What is USC Credit Union's mortgage approval rate?
USC Credit Union approved 78.3% of the 492 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.6 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan USC Credit Union offers?
Borrowers accepted 95% of the loans USC 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 USC Credit Union make?
The typical home improvement loan loan USC Credit Union made was $105K; across all loan types its typical loan ran from $105K to $625K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does USC Credit Union lend?
USC Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to USC Credit Union directly?
Yes. USC Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show USC 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 USC Credit Union treats applications, then get a rate quote from the lender.