Y-12 Federal Credit Union mortgage approval rate & lending review
Y-12 Federal Credit Union decided 1,747 mortgage applications and funded 1,361 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Y-12 Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Y-12 Federal Credit Union at a glance
Approval is 8.7 points above the 70.0% 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 | 82% | 250 / 305 | 99% | $265K | 247 |
| Home improvement loans | 75% | 573 / 766 | 99% | $75K | 568 |
| Cash-out refinance | 79% | 441 / 555 | 99% | $135K | 435 |
| Investment property purchase | 97% | 57 / 59 | 100% | $245K | 57 |
| Investment cash-out refinance | 84% | 27 / 32 | 100% | $215K | 27 |
Y-12 Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 79% | $135K | 1,743 | 1,360 |
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 Y-12 Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Knox County, TN | Home improvement loans | 75% | 533 | 395 |
| Knox County, TN | Cash-out refinance | 80% | 388 | 307 |
| Knox County, TN | Mortgage lenders | 81% | 222 | 177 |
| Blount County, TN | Home improvement loans | 75% | 221 | 165 |
| Blount County, TN | Cash-out refinance | 78% | 161 | 124 |
| Blount County, TN | Mortgage lenders | 89% | 74 | 65 |
| Knox County, TN | Investment property purchase | 100% | 47 | 47 |
| Knox County, TN | Investment cash-out refinance | 86% | 21 | 18 |
The county markets where Y-12 Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Y-12 Federal Credit Union
What is Y-12 Federal Credit Union's mortgage approval rate?
Y-12 Federal Credit Union approved 78.7% of the 1,747 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 70.0% national rate for the same mix of loan types.
How often do borrowers take the loan Y-12 Federal Credit Union offers?
Borrowers accepted 99% of the loans Y-12 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 Y-12 Federal Credit Union make?
The typical home improvement loan loan Y-12 Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Y-12 Federal Credit Union lend?
Y-12 Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Tennessee, California and Florida.
Can I apply to Y-12 Federal Credit Union directly?
Yes. Y-12 Federal Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Y-12 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 Y-12 Federal Credit Union treats applications, then get a rate quote from the lender.