Lender profile · HMDA 2023–2025
USF Federal Credit Union mortgage approval rates & lending data
USF Federal Credit Union decided 1,142 mortgage applications and funded 710 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Arizona | 0% | — | 1 | 0 |
| California | 0% | — | 1 | 0 |
| Illinois | 0% | — | 1 | 0 |
| New Jersey | 0% | — | 1 | 0 |
| New Mexico | 0% | — | 1 | 0 |
| Ohio | 0% | — | 1 | 0 |
| South Carolina | 0% | — | 1 | 0 |
| Virginia | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.