Lender profile · HMDA 2023–2025
Mountain America Federal Credit Union mortgage approval rates & lending data
Mountain America Federal Credit Union decided 31,766 mortgage applications and funded 19,182 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% | 3,509 / 4,524 | 98% | $395K | 3,454 |
| Home improvement loans | 63% | 7,308 / 11,632 | 97% | $75K | 7,120 |
| Cash-out refinance | 66% | 1,810 / 2,724 | 99% | $165K | 1,791 |
| Refinance | 56% | 6,299 / 11,243 | 98% | $125K | 6,181 |
| Investment property purchase | 66% | 453 / 691 | 100% | $405K | 452 |
| Investment cash-out refinance | 45% | 98 / 217 | 99% | $195K | 97 |
| Investment refinance | 17% | 45 / 268 | 100% | $235K | 45 |
| Investment home improvement | 10% | 47 / 467 | 89% | $155K | 42 |
Mountain America Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 63% | $125K | 22,815 | 14,007 |
| Arizona | 57% | $125K | 3,922 | 2,204 |
| Idaho | 65% | $95K | 2,305 | 1,471 |
| Nevada | 56% | $125K | 1,691 | 924 |
| New Mexico | 54% | $65K | 371 | 194 |
| Montana | 52% | $105K | 265 | 135 |
| Colorado | 53% | $415K | 159 | 83 |
| Washington | 74% | $485K | 130 | 95 |
| Oregon | 81% | $385K | 83 | 67 |
| California | 0% | — | 5 | 0 |
| Florida | 0% | — | 5 | 0 |
| Wyoming | 40% | $145K | 5 | 2 |
| Texas | 0% | — | 3 | 0 |
| Arkansas | 0% | — | 1 | 0 |
| Illinois | 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.