Discovery Federal Credit Union mortgage approval rate & lending review
Discovery Federal Credit Union decided 304 mortgage applications and funded 253 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Discovery Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Discovery Federal Credit Union at a glance
Approval is 16.5 points above the 66.8% 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 | 82% | 181 / 220 | 100% | $45K | 181 |
| Refinance | 84% | 49 / 58 | 100% | $65K | 49 |
Discovery Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 83% | $45K | 304 | 253 |
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 Discovery Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berks County, PA | Home improvement loans | 82% | 203 | 167 |
| Berks County, PA | Refinance | 87% | 54 | 47 |
The county markets where Discovery Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Discovery Federal Credit Union
What is Discovery Federal Credit Union's mortgage approval rate?
Discovery Federal Credit Union approved 83.2% of the 304 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.5 points above the 66.8% national rate for the same mix of loan types.
How often do borrowers take the loan Discovery Federal Credit Union offers?
Borrowers accepted 100% of the loans Discovery 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 Discovery Federal Credit Union make?
The typical home improvement loan loan Discovery Federal Credit Union made was $45K; 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 Discovery Federal Credit Union lend?
Discovery Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Discovery Federal Credit Union directly?
Yes. Discovery Federal Credit Union is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Discovery 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 Discovery Federal Credit Union treats applications, then get a rate quote from the lender.