Patriot Credit Union mortgage approval rate & lending review
Patriot Credit Union decided 1,931 mortgage applications and funded 1,386 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Patriot Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Patriot Credit Union at a glance
Approval is 2.9 points above the 71.0% 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% | 268 / 320 | 97% | $215K | 259 |
| Home improvement loans | 72% | 726 / 1,015 | 97% | $45K | 704 |
| Refinance | 72% | 331 / 459 | 97% | $75K | 321 |
| Investment property purchase | 89% | 59 / 66 | 100% | $155K | 59 |
| Investment refinance | 78% | 21 / 27 | 100% | $125K | 21 |
| Investment home improvement | 52% | 16 / 31 | 94% | $105K | 15 |
Patriot Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 76% | $75K | 1,379 | 1,022 |
| Maryland | 69% | $55K | 458 | 303 |
| West Virginia | 66% | $55K | 89 | 58 |
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 Patriot Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, PA | Home improvement loans | 74% | 640 | 462 |
| Franklin County, PA | Mortgage lenders | 88% | 238 | 204 |
| Franklin County, PA | Refinance | 73% | 259 | 182 |
| Washington County, MD | Home improvement loans | 72% | 167 | 116 |
| Washington County, MD | Refinance | 73% | 95 | 67 |
| Frederick County, MD | Home improvement loans | 69% | 77 | 50 |
| Franklin County, PA | Investment property purchase | 91% | 44 | 40 |
| Berkeley County, WV | Home improvement loans | 56% | 54 | 30 |
| Cumberland County, PA | Refinance | 77% | 26 | 20 |
| Frederick County, MD | Refinance | 58% | 31 | 18 |
| Cumberland County, PA | Home improvement loans | 55% | 31 | 16 |
| Berkeley County, WV | Refinance | 76% | 21 | 16 |
The county markets where Patriot Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Patriot Credit Union
What is Patriot Credit Union's mortgage approval rate?
Patriot Credit Union approved 74.0% of the 1,931 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points above the 71.0% national rate for the same mix of loan types.
How often do borrowers take the loan Patriot Credit Union offers?
Borrowers accepted 97% of the loans Patriot 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 Patriot Credit Union make?
The typical home improvement loan loan Patriot Credit Union made was $45K; across all loan types its typical loan ran from $45K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Patriot Credit Union lend?
Patriot Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and West Virginia.
Can I apply to Patriot Credit Union directly?
Yes. Patriot 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 Patriot 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 Patriot Credit Union treats applications, then get a rate quote from the lender.