Patelco Credit Union mortgage approval rate & lending review
Patelco Credit Union decided 5,755 mortgage applications and funded 4,077 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Patelco Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Patelco Credit Union at a glance
Approval is 4.0 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 | 90% | 1,337 / 1,479 | 92% | $1.06M | 1,229 |
| Home improvement loans | 67% | 1,794 / 2,659 | 93% | $115K | 1,674 |
| Cash-out refinance | 72% | 481 / 667 | 96% | $115K | 460 |
| Refinance | 82% | 685 / 840 | 94% | $205K | 647 |
| Investment property purchase | 85% | 41 / 48 | 90% | $385K | 37 |
| Investment home improvement | 44% | 17 / 39 | 94% | $75K | 16 |
Patelco Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 76% | $115K | 5,755 | 4,077 |
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 Patelco Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Mortgage lenders | 94% | 496 | 424 |
| Contra Costa County, CA | Home improvement loans | 71% | 624 | 415 |
| Alameda County, CA | Home improvement loans | 64% | 540 | 321 |
| Santa Clara County, CA | Mortgage lenders | 93% | 289 | 239 |
| Contra Costa County, CA | Mortgage lenders | 86% | 250 | 204 |
| Sacramento County, CA | Home improvement loans | 69% | 307 | 203 |
| Alameda County, CA | Refinance | 82% | 236 | 181 |
| Contra Costa County, CA | Refinance | 86% | 172 | 139 |
| Contra Costa County, CA | Cash-out refinance | 69% | 144 | 97 |
| San Mateo County, CA | Home improvement loans | 62% | 154 | 88 |
| Santa Clara County, CA | Home improvement loans | 64% | 143 | 86 |
| Alameda County, CA | Cash-out refinance | 68% | 125 | 78 |
The county markets where Patelco Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Patelco Credit Union
What is Patelco Credit Union's mortgage approval rate?
Patelco Credit Union approved 75.9% of the 5,755 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.0 points above the 71.9% national rate for the same mix of loan types.
How often do borrowers take the loan Patelco Credit Union offers?
Borrowers accepted 93% of the loans Patelco 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 Patelco Credit Union make?
The typical home improvement loan loan Patelco Credit Union made was $115K; across all loan types its typical loan ran from $75K to $1.06M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Patelco Credit Union lend?
Patelco Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Patelco Credit Union directly?
Yes. Patelco Credit Union is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Patelco 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 Patelco Credit Union treats applications, then get a rate quote from the lender.