Lender profile · HMDA 2023–2025
Citadel Federal Credit Union mortgage approval rates & lending data
Citadel Federal Credit Union decided 5,089 mortgage applications and funded 3,985 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 549 / 634 | 97% | $295K | 531 |
| Home improvement loans | 83% | 1,396 / 1,679 | 98% | $105K | 1,367 |
| Cash-out refinance | 79% | 1,863 / 2,366 | 99% | $155K | 1,837 |
| Refinance | 58% | 139 / 240 | 98% | $175K | 136 |
| Investment property purchase | 81% | 48 / 59 | 98% | $375K | 47 |
| Investment cash-out refinance | 83% | 39 / 47 | 100% | $245K | 39 |
| Investment home improvement | 38% | 17 / 45 | 88% | $105K | 15 |
Citadel Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 80% | $155K | 4,717 | 3,707 |
| Delaware | 73% | $105K | 177 | 127 |
| New Jersey | 79% | $125K | 139 | 108 |
| Florida | 88% | $245K | 26 | 23 |
| Maryland | 73% | $165K | 22 | 16 |
| South Carolina | 100% | $205K | 4 | 3 |
| Georgia | 0% | — | 2 | 0 |
| North Carolina | 100% | $455K | 1 | 1 |
| Texas | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.