ESL Federal Credit Union mortgage approval rate & lending review
ESL Federal Credit Union decided 9,740 mortgage applications and funded 7,772 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ESL Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ESL Federal Credit Union at a glance
Approval is 12.3 points above the 71.9% 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 | 94% | 1,777 / 1,886 | 96% | $175K | 1,708 |
| Home improvement loans | 78% | 3,506 / 4,499 | 95% | $55K | 3,327 |
| Cash-out refinance | 93% | 141 / 152 | 99% | $145K | 139 |
| Refinance | 90% | 2,648 / 2,951 | 94% | $75K | 2,476 |
| Investment property purchase | 62% | 36 / 58 | 92% | $125K | 33 |
| Investment cash-out refinance | 93% | 39 / 42 | 90% | $175K | 35 |
| Investment refinance | 47% | 25 / 53 | 92% | $105K | 23 |
| Investment home improvement | 33% | 33 / 99 | 94% | $75K | 31 |
ESL Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 84% | $75K | 9,723 | 7,772 |
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 ESL Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Home improvement loans | 79% | 4,126 | 3,081 |
| Monroe County, NY | Refinance | 90% | 2,771 | 2,328 |
| Monroe County, NY | Mortgage lenders | 94% | 1,742 | 1,583 |
| Ontario County, NY | Home improvement loans | 80% | 320 | 246 |
| Ontario County, NY | Refinance | 92% | 174 | 148 |
| Monroe County, NY | Cash-out refinance | 92% | 141 | 128 |
| Ontario County, NY | Mortgage lenders | 94% | 124 | 109 |
| Monroe County, NY | Investment cash-out refinance | 92% | 39 | 32 |
| Monroe County, NY | Investment property purchase | 67% | 48 | 29 |
| Monroe County, NY | Investment refinance | 48% | 46 | 21 |
| Erie County, NY | Home improvement loans | 0% | 24 | 0 |
The county markets where ESL Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about ESL Federal Credit Union
What is ESL Federal Credit Union's mortgage approval rate?
ESL Federal Credit Union approved 84.2% of the 9,740 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.3 points above the 71.9% national rate for the same mix of loan types.
How often do borrowers take the loan ESL Federal Credit Union offers?
Borrowers accepted 95% of the loans ESL 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 ESL Federal Credit Union make?
The typical home improvement loan loan ESL Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ESL Federal Credit Union lend?
ESL Federal Credit Union decided applications in 10 of the states Fat Boy Data covers, most of them in New York, Maryland and Florida.
Can I apply to ESL Federal Credit Union directly?
Yes. ESL Federal Credit Union is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show ESL 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 ESL Federal Credit Union treats applications, then get a rate quote from the lender.