Holyoke Credit Union mortgage approval rate & lending review
Holyoke Credit Union decided 367 mortgage applications and funded 290 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Holyoke Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Holyoke Credit Union at a glance
Approval is 6.5 points above the 74.7% 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 | 87% | 116 / 134 | 98% | $245K | 114 |
| Home improvement loans | 78% | 91 / 117 | 96% | $45K | 87 |
| Cash-out refinance | 74% | 52 / 70 | 98% | $75K | 51 |
| Refinance | 80% | 20 / 25 | 95% | $85K | 19 |
Holyoke Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 81% | $85K | 358 | 281 |
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 Holyoke Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampden County, MA | Mortgage lenders | 86% | 109 | 92 |
| Hampden County, MA | Home improvement loans | 77% | 93 | 69 |
| Hampden County, MA | Cash-out refinance | 75% | 61 | 45 |
| Hampden County, MA | Refinance | 80% | 20 | 16 |
The county markets where Holyoke Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Holyoke Credit Union
What is Holyoke Credit Union's mortgage approval rate?
Holyoke Credit Union approved 81.2% of the 367 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.5 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan Holyoke Credit Union offers?
Borrowers accepted 97% of the loans Holyoke Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Holyoke Credit Union make?
The typical home purchase mortgage loan Holyoke Credit Union made was $245K; across all loan types its typical loan ran from $45K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Holyoke Credit Union lend?
Holyoke Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and New Hampshire.
Can I apply to Holyoke Credit Union directly?
Yes. Holyoke Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Holyoke 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 Holyoke Credit Union treats applications, then get a rate quote from the lender.