Bhcu mortgage approval rate & lending review
Bhcu decided 393 mortgage applications and funded 390 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bhcu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bhcu at a glance
Approval is 30.3 points above the 68.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 99% | 69 / 70 | 100% | $55K | 69 |
| Cash-out refinance | 100% | 242 / 243 | 100% | $85K | 242 |
| Investment cash-out refinance | 100% | 61 / 61 | 100% | $155K | 61 |
Bhcu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 99% | $85K | 341 | 338 |
| New Jersey | 100% | $85K | 25 | 25 |
| Delaware | 100% | $125K | 22 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bhcu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Delaware County, PA | Cash-out refinance | 99% | 154 | 153 |
| Delaware County, PA | Investment cash-out refinance | 100% | 52 | 52 |
| Delaware County, PA | Home improvement loans | 98% | 42 | 41 |
| Chester County, PA | Cash-out refinance | 100% | 33 | 33 |
The county markets where Bhcu made the most loans. Each link opens that market with every lender ranked.
Questions about Bhcu
What is Bhcu's mortgage approval rate?
Bhcu approved 99.2% of the 393 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 30.3 points above the 68.9% national rate for the same mix of loan types.
How often do borrowers take the loan Bhcu offers?
Borrowers accepted 100% of the loans Bhcu approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bhcu make?
The typical cash-out refinance loan Bhcu made was $85K; across all loan types its typical loan ran from $55K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bhcu lend?
Bhcu decided applications in 7 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Bhcu directly?
Yes. Bhcu is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bhcu's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bhcu treats applications, then get a rate quote from the lender.