Corning Federal Credit Union mortgage approval rate & lending review
Corning Federal Credit Union decided 3,038 mortgage applications and funded 2,370 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Corning Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Corning Federal Credit Union at a glance
Approval is 12.9 points above the 74.6% 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% | 953 / 1,042 | 82% | $315K | 786 |
| Home improvement loans | 85% | 1,063 / 1,247 | 94% | $65K | 1,003 |
| Cash-out refinance | 78% | 60 / 77 | 83% | $245K | 50 |
| Refinance | 89% | 372 / 420 | 92% | $125K | 344 |
| Investment property purchase | 89% | 161 / 181 | 88% | $385K | 141 |
| Investment home improvement | 63% | 34 / 54 | 97% | $105K | 33 |
Corning Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 88% | $125K | 1,984 | 1,569 |
| Pennsylvania | 89% | $75K | 365 | 297 |
| South Carolina | 83% | $125K | 279 | 198 |
| New York | 89% | $65K | 167 | 121 |
| Florida | 93% | $105K | 92 | 72 |
| Maryland | 85% | $35K | 40 | 28 |
| New Jersey | 82% | $35K | 28 | 20 |
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 Corning Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New Hanover County, NC | Home improvement loans | 86% | 507 | 411 |
| New Hanover County, NC | Mortgage lenders | 91% | 391 | 302 |
| Brunswick County, NC | Mortgage lenders | 91% | 233 | 184 |
| Brunswick County, NC | Home improvement loans | 85% | 204 | 165 |
| New Hanover County, NC | Refinance | 89% | 158 | 132 |
| Franklin County, PA | Home improvement loans | 87% | 99 | 79 |
| Horry County, SC | Home improvement loans | 72% | 88 | 61 |
| Brunswick County, NC | Investment property purchase | 98% | 56 | 53 |
| Brunswick County, NC | Refinance | 88% | 64 | 50 |
| Franklin County, PA | Mortgage lenders | 88% | 57 | 43 |
| New Hanover County, NC | Investment property purchase | 90% | 58 | 42 |
| Franklin County, PA | Refinance | 96% | 45 | 42 |
The county markets where Corning Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Corning Federal Credit Union
What is Corning Federal Credit Union's mortgage approval rate?
Corning Federal Credit Union approved 87.5% of the 3,038 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.9 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Corning Federal Credit Union offers?
Borrowers accepted 89% of the loans Corning Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Corning Federal Credit Union make?
The typical home improvement loan loan Corning Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Corning Federal Credit Union lend?
Corning Federal Credit Union decided applications in 23 of the states Fat Boy Data covers, most of them in North Carolina, Pennsylvania and South Carolina.
Can I apply to Corning Federal Credit Union directly?
Yes. Corning Federal Credit Union is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Corning 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 Corning Federal Credit Union treats applications, then get a rate quote from the lender.