Cfsbank mortgage approval rate & lending review
Cfsbank decided 675 mortgage applications and funded 584 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cfsbank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cfsbank at a glance
Approval is 6.8 points above the 82.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 399 / 440 | 97% | $285K | 389 |
| Home improvement loans | 82% | 82 / 100 | 95% | $55K | 78 |
| Refinance | 87% | 79 / 91 | 97% | $85K | 77 |
| Investment property purchase | 91% | 29 / 32 | 100% | $195K | 29 |
Cfsbank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 89% | $285K | 666 | 577 |
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 Cfsbank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allegheny County, PA | Mortgage lenders | 93% | 150 | 136 |
| Fayette County, PA | Mortgage lenders | 90% | 78 | 68 |
| Butler County, PA | Mortgage lenders | 93% | 69 | 62 |
| Westmoreland County, PA | Mortgage lenders | 91% | 54 | 48 |
| Washington County, PA | Mortgage lenders | 81% | 47 | 36 |
| Westmoreland County, PA | Home improvement loans | 83% | 41 | 33 |
| Washington County, PA | Home improvement loans | 84% | 38 | 29 |
| Beaver County, PA | Mortgage lenders | 96% | 26 | 25 |
| Allegheny County, PA | Refinance | 95% | 21 | 20 |
| Washington County, PA | Refinance | 71% | 28 | 20 |
The county markets where Cfsbank made the most loans. Each link opens that market with every lender ranked.
Questions about Cfsbank
What is Cfsbank's mortgage approval rate?
Cfsbank approved 88.9% of the 675 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 82.1% national rate for the same mix of loan types.
How often do borrowers take the loan Cfsbank offers?
Borrowers accepted 97% of the loans Cfsbank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cfsbank make?
The typical home purchase mortgage loan Cfsbank made was $285K; across all loan types its typical loan ran from $55K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cfsbank lend?
Cfsbank decided applications in 8 of the states Fat Boy Data covers, most of them in Pennsylvania, Florida and Ohio.
Can I apply to Cfsbank directly?
Yes. Cfsbank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cfsbank'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 Cfsbank treats applications, then get a rate quote from the lender.