Choice One Community Federal Credit Union mortgage approval rate & lending review
Choice One Community Federal Credit Union decided 279 mortgage applications and funded 231 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Choice One Community Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Choice One Community Federal Credit Union at a glance
Approval is 13.6 points above the 69.2% 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 | 78% | 76 / 97 | 100% | $45K | 76 |
| Cash-out refinance | 87% | 85 / 98 | 100% | $65K | 85 |
| Refinance | 85% | 53 / 62 | 100% | $45K | 53 |
Choice One Community Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 83% | $45K | 279 | 231 |
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 Choice One Community Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Luzerne County, PA | Cash-out refinance | 87% | 94 | 82 |
| Luzerne County, PA | Home improvement loans | 78% | 93 | 73 |
| Luzerne County, PA | Refinance | 85% | 59 | 50 |
The county markets where Choice One Community Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Choice One Community Federal Credit Union
What is Choice One Community Federal Credit Union's mortgage approval rate?
Choice One Community Federal Credit Union approved 82.8% of the 279 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.6 points above the 69.2% national rate for the same mix of loan types.
How often do borrowers take the loan Choice One Community Federal Credit Union offers?
Borrowers accepted 100% of the loans Choice One Community Federal Credit Union 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 Choice One Community Federal Credit Union make?
The typical cash-out refinance loan Choice One Community Federal Credit Union made was $65K; across all loan types its typical loan ran from $45K to $65K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Choice One Community Federal Credit Union lend?
Choice One Community Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Choice One Community Federal Credit Union directly?
Yes. Choice One Community Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Choice One Community Federal Credit Union'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 Choice One Community Federal Credit Union treats applications, then get a rate quote from the lender.