Erie Federal Credit Union mortgage approval rate & lending review
Erie Federal Credit Union decided 1,375 mortgage applications and funded 985 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Erie Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Erie Federal Credit Union at a glance
Approval is 2.3 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 | 65% | 62 / 96 | 100% | $115K | 62 |
| Home improvement loans | 70% | 528 / 758 | 100% | $35K | 528 |
| Refinance | 75% | 297 / 395 | 100% | $65K | 297 |
| Investment property purchase | 97% | 36 / 37 | 100% | $85K | 36 |
| Investment refinance | 96% | 51 / 53 | 98% | $105K | 50 |
| Investment home improvement | 28% | 8 / 29 | 100% | $35K | 8 |
Erie Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 72% | $35K | 1,363 | 981 |
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 Erie Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, PA | Home improvement loans | 71% | 747 | 528 |
| Erie County, PA | Refinance | 76% | 393 | 297 |
| Erie County, PA | Mortgage lenders | 64% | 95 | 61 |
| Erie County, PA | Investment property purchase | 97% | 35 | 34 |
The county markets where Erie Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Erie Federal Credit Union
What is Erie Federal Credit Union's mortgage approval rate?
Erie Federal Credit Union approved 71.7% of the 1,375 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Erie Federal Credit Union offers?
Borrowers accepted 100% of the loans Erie 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 Erie Federal Credit Union make?
The typical home improvement loan loan Erie Federal Credit Union made was $35K; across all loan types its typical loan ran from $35K to $115K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Erie Federal Credit Union lend?
Erie Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, Florida and New York.
Can I apply to Erie Federal Credit Union directly?
Yes. Erie Federal Credit Union is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Erie 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 Erie Federal Credit Union treats applications, then get a rate quote from the lender.