Sharefax 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%
30th15.3% deniedProcesswithdrawn + incomplete share, weight 15%
48th12.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 272 | 192 | 11.4% | 13.5% | 7.25% | $22M |
| 2024 | 292 | 182 | 20.6% | 21.7% | 8.00% | $21M |
| 2025 | 215 | 148 | 13.5% | 15.3% | — | $28M |
What Sharefax 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, 1 manufactured homes, 7 investment properties.
Who gets approved at Sharefax 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 | 29 | 17 | 29.6% |
| $50k – $100k | 79 | 54 | 17.7% |
| $100k – $150k | 51 | 36 | 6.8% |
| $150k – $250k | 40 | 28 | 13.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 29 | 9.1% |
| 35–44 | 44 | 32 | 15.4% |
| 45–54 | 46 | 29 | 12.8% |
| 55–64 | 39 | 27 | 19.4% |
| 65–74 | 35 | 23 | 20.0% |
Where Sharefax Credit Union lends
9 states and 26 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Sharefax Credit Union denied 15.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 18% for refinancing (including cash-out), and 49% 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.