Police & Fire Federal Credit Union mortgage approval rate & lending review
Police & Fire Federal Credit Union decided 31,845 mortgage applications and funded 18,904 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Police & Fire Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Police & Fire Federal Credit Union at a glance
Approval is 6.5 points below the 66.8% 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 | 92% | 503 / 544 | 99% | $285K | 498 |
| Home improvement loans | 62% | 6,240 / 10,064 | 98% | $65K | 6,138 |
| Cash-out refinance | 61% | 11,908 / 19,556 | 98% | $65K | 11,724 |
| Refinance | 82% | 338 / 411 | 99% | $315K | 333 |
| Investment property purchase | 88% | 50 / 57 | 100% | $285K | 50 |
| Investment cash-out refinance | 13% | 90 / 705 | 97% | $65K | 87 |
| Investment home improvement | 12% | 58 / 489 | 97% | $55K | 56 |
Police & Fire Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 59% | $65K | 21,691 | 12,637 |
| New Jersey | 64% | $65K | 9,240 | 5,796 |
| Delaware | 51% | $75K | 646 | 325 |
| Florida | 56% | $85K | 265 | 146 |
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 Police & Fire Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Cash-out refinance | 53% | 6,326 | 3,298 |
| Bucks County, PA | Cash-out refinance | 69% | 2,846 | 1,931 |
| Montgomery County, PA | Cash-out refinance | 68% | 2,183 | 1,473 |
| Philadelphia County, PA | Home improvement loans | 46% | 3,114 | 1,415 |
| Camden County, NJ | Cash-out refinance | 61% | 1,969 | 1,187 |
| Bucks County, PA | Home improvement loans | 76% | 1,423 | 1,062 |
| Burlington County, NJ | Cash-out refinance | 67% | 1,521 | 1,007 |
| Montgomery County, PA | Home improvement loans | 74% | 1,290 | 936 |
| Gloucester County, NJ | Cash-out refinance | 64% | 1,441 | 901 |
| Delaware County, PA | Cash-out refinance | 57% | 1,110 | 633 |
| Camden County, NJ | Home improvement loans | 63% | 951 | 589 |
| Burlington County, NJ | Home improvement loans | 71% | 763 | 533 |
The county markets where Police & Fire Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Police & Fire Federal Credit Union
What is Police & Fire Federal Credit Union's mortgage approval rate?
Police & Fire Federal Credit Union approved 60.3% of the 31,845 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.5 points below the 66.8% national rate for the same mix of loan types.
How often do borrowers take the loan Police & Fire Federal Credit Union offers?
Borrowers accepted 98% of the loans Police & Fire Federal 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 Police & Fire Federal Credit Union make?
The typical cash-out refinance loan Police & Fire Federal Credit Union made was $65K; across all loan types its typical loan ran from $55K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Police & Fire Federal Credit Union lend?
Police & Fire Federal Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Police & Fire Federal Credit Union directly?
Yes. Police & Fire Federal Credit Union is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Police & Fire 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 Police & Fire Federal Credit Union treats applications, then get a rate quote from the lender.