Appalachian Community 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 C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
43rd11.5% deniedProcesswithdrawn + incomplete share, weight 15%
21st19.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 222 | 134 | 20.3% | 25.1% | — | $15M |
| 2024 | 281 | 204 | 10.3% | 12.4% | — | $26M |
| 2025 | 205 | 146 | 9.3% | 11.5% | — | $19M |
What Appalachian Community 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 11 investment properties.
Who gets approved at Appalachian Community 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 | 56 | 36 | 12.2% |
| $50k – $100k | 99 | 70 | 12.5% |
| $100k – $150k | 29 | 21 | 12.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 22 | 4.4% |
| 35–44 | 28 | 21 | 8.7% |
| 45–54 | 44 | 33 | 13.2% |
| 55–64 | 45 | 32 | 15.8% |
| 65–74 | 43 | 26 | 16.1% |
Where Appalachian Community Federal Credit Union lends
5 states and 23 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Appalachian Community Federal Credit Union denied 11.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 43rd percentile of small mortgage lenders.
In 2025, 34% of its applications were for home purchases, 27% for refinancing (including cash-out), and 39% 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.