Lender profile · HMDA 2023–2025
Y-12 Federal Credit Union mortgage approval rates & lending data
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.
Approval 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 |
| California | 0% | — | 1 | 0 |
| Florida | 100% | $225K | 1 | 1 |
| Maryland | 0% | — | 1 | 0 |
| North Carolina | 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.