Truchoice Federal Credit Union mortgage approval rate & lending review
Truchoice Federal Credit Union decided 380 mortgage applications and funded 355 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Truchoice Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Truchoice Federal Credit Union at a glance
Approval is 27.0 points above the 68.0% 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 | 98% | 51 / 52 | 94% | $235K | 48 |
| Home improvement loans | 94% | 253 / 269 | 100% | $55K | 252 |
| Refinance | 98% | 40 / 41 | 100% | $85K | 40 |
Truchoice Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 95% | $55K | 380 | 355 |
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 Truchoice Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, ME | Home improvement loans | 95% | 157 | 149 |
| York County, ME | Home improvement loans | 92% | 99 | 90 |
| Cumberland County, ME | Refinance | 96% | 23 | 22 |
The county markets where Truchoice Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Truchoice Federal Credit Union
What is Truchoice Federal Credit Union's mortgage approval rate?
Truchoice Federal Credit Union approved 95.0% of the 380 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 27.0 points above the 68.0% national rate for the same mix of loan types.
How often do borrowers take the loan Truchoice Federal Credit Union offers?
Borrowers accepted 98% of the loans Truchoice 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 Truchoice Federal Credit Union make?
The typical home improvement loan loan Truchoice Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Truchoice Federal Credit Union lend?
Truchoice Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to Truchoice Federal Credit Union directly?
Yes. Truchoice Federal Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Truchoice 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 Truchoice Federal Credit Union treats applications, then get a rate quote from the lender.