STANFORD 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 A 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%
96th7.6% deniedPricingmedian rate spread over APOR, weight 30%
50th0.16 ptsProcesswithdrawn + incomplete share, weight 15%
45th13.5%Closing coststotal loan costs ÷ loan amount, weight 10%
88th1.22% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,293 | 1,004 | 4.5% | 5.0% | 7.50% | $516M |
| 2024 | 1,198 | 937 | 6.3% | 6.7% | 7.88% | $502M |
| 2025 | 1,315 | 1,010 | 6.6% | 7.6% | 7.25% | $562M |
What STANFORD 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: 759 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 88 investment properties.
Why STANFORD Federal Credit Union denies applications
Primary reason reported for each of the 87 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at STANFORD Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 56 | 34 | 24.5% |
| $100k – $150k | 111 | 79 | 15.3% |
| $150k – $250k | 342 | 249 | 9.9% |
| Over $250k | 764 | 630 | 3.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 152 | 113 | 6.5% |
| 35–44 | 439 | 334 | 6.2% |
| 45–54 | 330 | 263 | 7.1% |
| 55–64 | 218 | 170 | 8.7% |
| 65–74 | 104 | 85 | 10.3% |
| Over 74 | 46 | 36 | 9.5% |
Where STANFORD Federal Credit Union lends
41 states and 162 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,092 | 849 | 6.3% | 7.50% | #162 |
| Washington | 31 | 21 | 9.7% | 6.38% | #347 |
| Texas | 13 | 9 | 7.7% | 6.00% | #922 |
| Illinois | 12 | 9 | 16.7% | 6.38% | #656 |
| New York | 12 | 8 | 0.0% | 7.00% | #452 |
| Nevada | 11 | 10 | 9.1% | 7.00% | #310 |
| Florida | 10 | 8 | 20.0% | 6.31% | #917 |
| Georgia | 10 | 6 | 0.0% | 6.80% | #673 |
| Pennsylvania | 10 | 7 | 0.0% | 6.38% | #684 |
| Colorado | 9 | 6 | 11.1% | 7.25% | #519 |
| North Carolina | 9 | 5 | 0.0% | 7.50% | #638 |
| Oregon | 9 | 8 | 0.0% | 7.38% | #372 |
| New Jersey | 8 | 3 | 0.0% | 6.13% | #548 |
| Virginia | 8 | 6 | 12.5% | 6.63% | #591 |
| Arizona | 7 | 5 | 28.6% | 5.84% | #557 |
| Michigan | 6 | 5 | 0.0% | 6.00% | #582 |
| Massachusetts | 5 | 5 | 0.0% | 6.75% | #516 |
| Missouri | 5 | 4 | 0.0% | 6.17% | #589 |
Frequently asked questions
STANFORD Federal Credit Union denied 7.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of home-equity (HELOC) lenders.
The most common reason STANFORD Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 51.7% 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 STANFORD Federal Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 29% for refinancing (including cash-out), and 43% 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.