Lender profile · HMDA 2023–2025
Bay Federal Credit Union mortgage approval rates & lending data
Bay Federal Credit Union decided 1,715 mortgage applications and funded 1,360 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 | 93% | 403 / 434 | 96% | $475K | 388 |
| Home improvement loans | 78% | 202 / 260 | 100% | $115K | 202 |
| Cash-out refinance | 76% | 669 / 880 | 99% | $145K | 665 |
| Refinance | 81% | 82 / 101 | 96% | $205K | 79 |
| Investment cash-out refinance | 63% | 17 / 27 | 94% | $255K | 16 |
Bay Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 81% | $145K | 1,715 | 1,360 |
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.