Reliant Community Federal Credit Union mortgage approval rate & lending review
Reliant Community Federal Credit Union decided 863 mortgage applications and funded 674 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Reliant Community Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Reliant Community Federal Credit Union at a glance
Approval is 5.8 points above the 73.6% 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 | 96% | 177 / 185 | 100% | $195K | 177 |
| Home improvement loans | 68% | 221 / 324 | 97% | $55K | 215 |
| Refinance | 80% | 234 / 294 | 99% | $85K | 231 |
| Investment refinance | 96% | 27 / 28 | 93% | $155K | 25 |
Reliant Community Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 79% | $85K | 863 | 674 |
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 Reliant Community Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, NY | Home improvement loans | 68% | 185 | 123 |
| Monroe County, NY | Refinance | 74% | 163 | 118 |
| Ontario County, NY | Refinance | 87% | 129 | 111 |
| Monroe County, NY | Mortgage lenders | 96% | 112 | 108 |
| Ontario County, NY | Home improvement loans | 69% | 131 | 87 |
| Ontario County, NY | Mortgage lenders | 94% | 64 | 60 |
| Monroe County, NY | Investment refinance | 96% | 28 | 25 |
The county markets where Reliant Community Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Reliant Community Federal Credit Union
What is Reliant Community Federal Credit Union's mortgage approval rate?
Reliant Community Federal Credit Union approved 79.4% of the 863 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Reliant Community Federal Credit Union offers?
Borrowers accepted 98% of the loans Reliant Community 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 Reliant Community Federal Credit Union make?
The typical home improvement loan loan Reliant Community Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Reliant Community Federal Credit Union lend?
Reliant Community Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Reliant Community Federal Credit Union directly?
Yes. Reliant Community Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Reliant Community 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 Reliant Community Federal Credit Union treats applications, then get a rate quote from the lender.