Family Trust 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%
46th10.6% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 373 | 220 | 18.2% | 23.6% | — | $27M |
| 2024 | 313 | 175 | 22.4% | 28.6% | — | $19M |
| 2025 | 146 | 118 | 9.6% | 10.6% | — | $26M |
What Family Trust 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, 4 manufactured homes, 18 investment properties.
Who gets approved at Family Trust 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 | 26 | 21 | 16.0% |
| $50k – $100k | 52 | 43 | 8.5% |
| $100k – $150k | 34 | 29 | 6.5% |
| $150k – $250k | 25 | 18 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 21 | 4.6% |
| 35–44 | 31 | 23 | 14.8% |
| 45–54 | 30 | 25 | 7.4% |
| 55–64 | 31 | 24 | 17.2% |
Where Family Trust Federal Credit Union lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 140 | 112 | 10.0% | — | #216 |
| North Carolina | 6 | 6 | 0.0% | — | #703 |
Frequently asked questions
Family Trust Federal Credit Union denied 10.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
In 2025, 40% of its applications were for home purchases, 34% for refinancing (including cash-out), and 27% 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.