FedChoice Federal Credit Union mortgage approval rate & lending review
FedChoice Federal Credit Union decided 272 mortgage applications and funded 165 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FedChoice Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FedChoice Federal Credit Union at a glance
Approval is 1.1 points above the 65.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 67% | 136 / 202 | 93% | $75K | 126 |
| Refinance | 65% | 22 / 34 | 91% | $155K | 20 |
FedChoice Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 64% | $75K | 147 | 85 |
| Pennsylvania | 43% | $45K | 37 | 15 |
| Virginia | 84% | $155K | 25 | 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 FedChoice Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Prince George's County, MD | Home improvement loans | 64% | 77 | 45 |
The county markets where FedChoice Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about FedChoice Federal Credit Union
What is FedChoice Federal Credit Union's mortgage approval rate?
FedChoice Federal Credit Union approved 66.5% of the 272 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.1 points above the 65.4% national rate for the same mix of loan types.
How often do borrowers take the loan FedChoice Federal Credit Union offers?
Borrowers accepted 91% of the loans FedChoice 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 FedChoice Federal Credit Union make?
The typical home improvement loan loan FedChoice Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FedChoice Federal Credit Union lend?
FedChoice Federal Credit Union decided applications in 21 of the states Fat Boy Data covers, most of them in Maryland, Pennsylvania and Virginia.
Can I apply to FedChoice Federal Credit Union directly?
Yes. FedChoice Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FedChoice 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 FedChoice Federal Credit Union treats applications, then get a rate quote from the lender.