Lender profile · HMDA 2023–2025
Island Federal Credit Union mortgage approval rates & lending data
Island Federal Credit Union decided 1,592 mortgage applications and funded 1,164 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 | 78% | 192 / 246 | 97% | $305K | 186 |
| Home improvement loans | 70% | 562 / 799 | 95% | $105K | 533 |
| Cash-out refinance | 71% | 20 / 28 | 100% | $375K | 20 |
| Refinance | 90% | 430 / 478 | 97% | $165K | 415 |
Island Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 77% | $165K | 1,571 | 1,159 |
| Florida | 50% | $125K | 8 | 3 |
| New Jersey | 20% | $445K | 5 | 1 |
| Connecticut | 0% | — | 3 | 0 |
| North Carolina | 0% | — | 2 | 0 |
| Massachusetts | 100% | $205K | 1 | 1 |
| South Carolina | 0% | — | 1 | 0 |
| West 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.