Class Act 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 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%
10th27.0% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 114 | 113 | 0.9% | 0.9% | — | $5.7M |
| 2024 | 118 | 105 | 7.6% | 7.8% | — | $8.2M |
| 2025 | 222 | 138 | 23.0% | 27.0% | — | $17M |
What Class Act 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, 2 investment properties.
Who gets approved at Class Act 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 | 24 | 9 | 52.6% |
| $50k – $100k | 118 | 70 | 31.4% |
| $100k – $150k | 43 | 32 | 11.1% |
| $150k – $250k | 30 | 24 | 11.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 21 | 25.0% |
| 35–44 | 54 | 35 | 22.2% |
| 45–54 | 55 | 27 | 42.6% |
| 55–64 | 42 | 28 | 20.0% |
| 65–74 | 24 | 15 | 25.0% |
Where Class Act Federal Credit Union lends
3 states and 12 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Class Act Federal Credit Union denied 27.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
In 2025, 41% of its applications were for home purchases, 15% for refinancing (including cash-out), and 44% 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.