Citadel Federal Credit Union mortgage approval rate & lending review
Citadel Federal Credit Union decided 5,089 mortgage applications and funded 3,985 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citadel Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citadel Federal Credit Union at a glance
Approval is 10.5 points above the 69.4% 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 | 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 |
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 Citadel Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chester County, PA | Cash-out refinance | 83% | 1,132 | 928 |
| Chester County, PA | Home improvement loans | 86% | 785 | 666 |
| Montgomery County, PA | Cash-out refinance | 75% | 421 | 313 |
| Delaware County, PA | Cash-out refinance | 76% | 318 | 241 |
| Montgomery County, PA | Home improvement loans | 84% | 276 | 222 |
| Delaware County, PA | Home improvement loans | 81% | 259 | 205 |
| Chester County, PA | Mortgage lenders | 86% | 218 | 178 |
| Philadelphia County, PA | Mortgage lenders | 84% | 124 | 102 |
| Bucks County, PA | Cash-out refinance | 75% | 130 | 96 |
| Chester County, PA | Refinance | 68% | 126 | 84 |
| Montgomery County, PA | Mortgage lenders | 86% | 97 | 79 |
| Lancaster County, PA | Cash-out refinance | 73% | 107 | 76 |
The county markets where Citadel Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Citadel Federal Credit Union
What is Citadel Federal Credit Union's mortgage approval rate?
Citadel Federal Credit Union approved 79.9% of the 5,089 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Citadel Federal Credit Union offers?
Borrowers accepted 98% of the loans Citadel 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 Citadel Federal Credit Union make?
The typical cash-out refinance loan Citadel Federal Credit Union made was $155K; across all loan types its typical loan ran from $105K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citadel Federal Credit Union lend?
Citadel Federal Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Pennsylvania, Delaware and New Jersey.
Can I apply to Citadel Federal Credit Union directly?
Yes. Citadel Federal Credit Union is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citadel 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 Citadel Federal Credit Union treats applications, then get a rate quote from the lender.