POINT BREEZE Credit Union mortgage approval rate & lending review
POINT BREEZE Credit Union decided 634 mortgage applications and funded 575 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions POINT BREEZE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
POINT BREEZE Credit Union at a glance
Approval is 18.6 points above the 72.8% 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 | 98% | 102 / 104 | 98% | $365K | 100 |
| Home improvement loans | 78% | 94 / 121 | 100% | $55K | 94 |
| Cash-out refinance | 98% | 261 / 265 | 100% | $65K | 260 |
| Refinance | 99% | 74 / 75 | 99% | $225K | 73 |
| Investment property purchase | 68% | 25 / 37 | 100% | $385K | 25 |
POINT BREEZE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 91% | $65K | 555 | 500 |
| Pennsylvania | 95% | $65K | 60 | 57 |
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 POINT BREEZE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harford County, MD | Cash-out refinance | 100% | 86 | 85 |
| Carroll County, MD | Cash-out refinance | 100% | 52 | 52 |
| Harford County, MD | Mortgage lenders | 100% | 32 | 31 |
| York County, PA | Cash-out refinance | 97% | 31 | 30 |
| Baltimore County, MD | Cash-out refinance | 96% | 23 | 22 |
| Baltimore city, MD | Cash-out refinance | 96% | 23 | 22 |
| Carroll County, MD | Home improvement loans | 80% | 25 | 20 |
| Baltimore County, MD | Home improvement loans | 68% | 22 | 15 |
| Baltimore city, MD | Home improvement loans | 68% | 22 | 15 |
The county markets where POINT BREEZE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about POINT BREEZE Credit Union
What is POINT BREEZE Credit Union's mortgage approval rate?
POINT BREEZE Credit Union approved 91.3% of the 634 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.6 points above the 72.8% national rate for the same mix of loan types.
How often do borrowers take the loan POINT BREEZE Credit Union offers?
Borrowers accepted 99% of the loans POINT BREEZE Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does POINT BREEZE Credit Union make?
The typical cash-out refinance loan POINT BREEZE Credit Union made was $65K; across all loan types its typical loan ran from $55K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does POINT BREEZE Credit Union lend?
POINT BREEZE Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Maryland, Pennsylvania and Delaware.
Can I apply to POINT BREEZE Credit Union directly?
Yes. POINT BREEZE Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show POINT BREEZE 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 POINT BREEZE Credit Union treats applications, then get a rate quote from the lender.