ABNB Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th34.4% deniedPricingmedian rate spread over APOR, weight 30%
38th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
61st10.8%Closing coststotal loan costs ÷ loan amount, weight 10%
31st3.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 588 | 351 | 36.7% | 37.1% | 7.74% | $31M |
| 2024 | 594 | 374 | 32.7% | 33.5% | 7.74% | $42M |
| 2025 | 909 | 517 | 30.7% | 34.4% | 6.25% | $210M |
What ABNB Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 664 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 79 investment properties.
Why ABNB Federal Credit Union denies applications
Primary reason reported for each of the 279 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at ABNB Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 57 | 13 | 72.3% |
| $50k – $100k | 226 | 96 | 47.9% |
| $100k – $150k | 205 | 104 | 40.3% |
| $150k – $250k | 220 | 148 | 25.6% |
| Over $250k | 195 | 155 | 13.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 100 | 43 | 46.6% |
| 35–44 | 268 | 174 | 27.8% |
| 45–54 | 231 | 136 | 33.2% |
| 55–64 | 170 | 88 | 41.7% |
| 65–74 | 98 | 52 | 32.5% |
| Over 74 | 41 | 23 | 30.3% |
Where ABNB Federal Credit Union lends
9 states and 54 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 777 | 443 | 31.3% | 6.37% | #91 |
| North Carolina | 80 | 37 | 35.0% | 7.25% | #346 |
| Maryland | 33 | 27 | 6.1% | 5.00% | #358 |
| Delaware | 13 | 10 | 0.0% | 5.00% | #215 |
Frequently asked questions
ABNB Federal Credit Union denied 34.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of home-equity (HELOC) lenders.
The most common reason ABNB Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 45.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans ABNB Federal Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 6% of its applications were for home purchases, 33% for refinancing (including cash-out), and 61% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.