Diamond Credit Union mortgage approval rate & lending review
Diamond Credit Union decided 3,061 mortgage applications and funded 2,228 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Diamond Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Diamond Credit Union at a glance
Approval is 8.7 points above the 70.9% 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 | 77% | 262 / 340 | 85% | $155K | 222 |
| Home improvement loans | 78% | 1,206 / 1,543 | 91% | $55K | 1,101 |
| Refinance | 83% | 738 / 891 | 92% | $85K | 676 |
| Investment property purchase | 76% | 81 / 107 | 100% | $85K | 81 |
| Investment cash-out refinance | 99% | 88 / 89 | 100% | $145K | 88 |
| Investment refinance | 71% | 40 / 56 | 100% | $125K | 40 |
Diamond Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 80% | $85K | 3,043 | 2,213 |
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 Diamond Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berks County, PA | Home improvement loans | 76% | 986 | 686 |
| Berks County, PA | Refinance | 83% | 591 | 452 |
| Montgomery County, PA | Home improvement loans | 83% | 352 | 266 |
| Berks County, PA | Mortgage lenders | 77% | 239 | 149 |
| Montgomery County, PA | Refinance | 85% | 195 | 148 |
| Chester County, PA | Home improvement loans | 83% | 99 | 77 |
| Berks County, PA | Investment property purchase | 75% | 79 | 59 |
| Berks County, PA | Investment cash-out refinance | 98% | 51 | 50 |
| Chester County, PA | Refinance | 72% | 60 | 41 |
| Berks County, PA | Investment refinance | 65% | 34 | 22 |
The county markets where Diamond Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Diamond Credit Union
What is Diamond Credit Union's mortgage approval rate?
Diamond Credit Union approved 79.5% of the 3,061 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 70.9% national rate for the same mix of loan types.
How often do borrowers take the loan Diamond Credit Union offers?
Borrowers accepted 91% of the loans Diamond 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 Diamond Credit Union make?
The typical home improvement loan loan Diamond Credit Union made was $55K; across all loan types its typical loan ran from $55K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Diamond Credit Union lend?
Diamond Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Diamond Credit Union directly?
Yes. Diamond Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Diamond 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 Diamond Credit Union treats applications, then get a rate quote from the lender.