North Country Federal Credit Union mortgage approval rate & lending review
North Country Federal Credit Union decided 379 mortgage applications and funded 319 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions North Country Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
North Country Federal Credit Union at a glance
Approval is 9.7 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 | 69% | 72 / 104 | 100% | $235K | 72 |
| Home improvement loans | 90% | 110 / 122 | 100% | $55K | 110 |
| Refinance | 91% | 81 / 89 | 99% | $125K | 80 |
North Country Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Vermont | 86% | $125K | 334 | 286 |
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.
Questions about North Country Federal Credit Union
What is North Country Federal Credit Union's mortgage approval rate?
North Country Federal Credit Union approved 84.4% of the 379 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan North Country Federal Credit Union offers?
Borrowers accepted 100% of the loans North Country 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 North Country Federal Credit Union make?
The typical home improvement loan loan North Country Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does North Country Federal Credit Union lend?
North Country Federal Credit Union decided applications in 17 of the states Fat Boy Data covers, most of them in Vermont, Florida and North Carolina.
Can I apply to North Country Federal Credit Union directly?
Yes. North Country Federal Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show North Country 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 North Country Federal Credit Union treats applications, then get a rate quote from the lender.