USF Federal Credit Union mortgage approval rate & lending review
USF Federal Credit Union decided 1,142 mortgage applications and funded 710 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions USF Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
USF Federal Credit Union at a glance
Approval is 7.5 points below the 72.1% 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 | 80% | 278 / 347 | 95% | $345K | 264 |
| Home improvement loans | 66% | 353 / 531 | 100% | $105K | 353 |
| Cash-out refinance | 57% | 52 / 92 | 88% | $155K | 46 |
| Refinance | 16% | 14 / 88 | 100% | $205K | 14 |
| Investment home improvement | 44% | 18 / 41 | 100% | $95K | 18 |
USF Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 65% | $105K | 1,134 | 710 |
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 USF Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, FL | Home improvement loans | 65% | 220 | 142 |
| Pasco County, FL | Home improvement loans | 71% | 94 | 67 |
| Pinellas County, FL | Home improvement loans | 71% | 62 | 44 |
| Hillsborough County, FL | Cash-out refinance | 54% | 48 | 24 |
| Sarasota County, FL | Home improvement loans | 68% | 31 | 21 |
| Orange County, FL | Home improvement loans | 78% | 23 | 18 |
| Pasco County, FL | Refinance | 25% | 24 | 6 |
| Hillsborough County, FL | Refinance | 11% | 37 | 4 |
The county markets where USF Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about USF Federal Credit Union
What is USF Federal Credit Union's mortgage approval rate?
USF Federal Credit Union approved 64.6% of the 1,142 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points below the 72.1% national rate for the same mix of loan types.
How often do borrowers take the loan USF Federal Credit Union offers?
Borrowers accepted 96% of the loans USF 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 USF Federal Credit Union make?
The typical home improvement loan loan USF Federal Credit Union made was $105K; across all loan types its typical loan ran from $95K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does USF Federal Credit Union lend?
USF Federal Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Florida, Arizona and California.
Can I apply to USF Federal Credit Union directly?
Yes. USF Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show USF 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 USF Federal Credit Union treats applications, then get a rate quote from the lender.