Lender profile · HMDA 2023–2025
ESL Federal Credit Union mortgage approval rates & lending data
ESL Federal Credit Union decided 9,740 mortgage applications and funded 7,772 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 | 94% | 1,777 / 1,886 | 96% | $175K | 1,708 |
| Home improvement loans | 78% | 3,506 / 4,499 | 95% | $55K | 3,327 |
| Cash-out refinance | 93% | 141 / 152 | 99% | $145K | 139 |
| Refinance | 90% | 2,648 / 2,951 | 94% | $75K | 2,476 |
| Investment property purchase | 62% | 36 / 58 | 92% | $125K | 33 |
| Investment cash-out refinance | 93% | 39 / 42 | 90% | $175K | 35 |
| Investment refinance | 47% | 25 / 53 | 92% | $105K | 23 |
| Investment home improvement | 33% | 33 / 99 | 94% | $75K | 31 |
ESL Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 84% | $75K | 9,723 | 7,772 |
| Maryland | 0% | — | 5 | 0 |
| Florida | 0% | — | 4 | 0 |
| North Carolina | 0% | — | 2 | 0 |
| Connecticut | 0% | — | 1 | 0 |
| Illinois | 0% | — | 1 | 0 |
| Mississippi | 0% | — | 1 | 0 |
| South Carolina | 0% | — | 1 | 0 |
| Texas | 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.