Niagara's Choice Federal Credit Union mortgage approval rate & lending review
Niagara's Choice Federal Credit Union decided 286 mortgage applications and funded 243 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Niagara's Choice Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Niagara's Choice Federal Credit Union at a glance
Approval is 16.1 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 32 / 38 | 100% | $155K | 32 |
| Home improvement loans | 87% | 156 / 180 | 100% | $55K | 156 |
| Refinance | 92% | 48 / 52 | 100% | $65K | 48 |
Niagara's Choice Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 85% | $55K | 286 | 243 |
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 Niagara's Choice Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Niagara County, NY | Home improvement loans | 85% | 151 | 128 |
| Niagara County, NY | Refinance | 93% | 43 | 40 |
| Erie County, NY | Home improvement loans | 97% | 29 | 28 |
| Niagara County, NY | Mortgage lenders | 81% | 31 | 25 |
The county markets where Niagara's Choice Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Niagara's Choice Federal Credit Union
What is Niagara's Choice Federal Credit Union's mortgage approval rate?
Niagara's Choice Federal Credit Union approved 85.0% of the 286 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.1 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Niagara's Choice Federal Credit Union offers?
Borrowers accepted 100% of the loans Niagara's Choice 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 Niagara's Choice Federal Credit Union make?
The typical home improvement loan loan Niagara's Choice Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Niagara's Choice Federal Credit Union lend?
Niagara's Choice Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Niagara's Choice Federal Credit Union directly?
Yes. Niagara's Choice 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 Niagara's Choice 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 Niagara's Choice Federal Credit Union treats applications, then get a rate quote from the lender.