USX Federal Credit Union mortgage approval rate & lending review
USX Federal Credit Union decided 336 mortgage applications and funded 263 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions USX Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
USX Federal Credit Union at a glance
Approval is 8.1 points above the 71.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 73% | 101 / 138 | 99% | $55K | 100 |
| Refinance | 84% | 151 / 180 | 99% | $95K | 150 |
USX Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 79% | $95K | 332 | 259 |
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 USX Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Butler County, PA | Refinance | 85% | 52 | 44 |
| Allegheny County, PA | Refinance | 80% | 51 | 41 |
| Westmoreland County, PA | Refinance | 85% | 47 | 39 |
| Allegheny County, PA | Home improvement loans | 75% | 48 | 35 |
| Butler County, PA | Home improvement loans | 69% | 42 | 29 |
| Westmoreland County, PA | Home improvement loans | 72% | 25 | 18 |
The county markets where USX Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about USX Federal Credit Union
What is USX Federal Credit Union's mortgage approval rate?
USX Federal Credit Union approved 79.5% of the 336 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 71.4% national rate for the same mix of loan types.
How often do borrowers take the loan USX Federal Credit Union offers?
Borrowers accepted 99% of the loans USX Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does USX Federal Credit Union make?
The typical mortgage refinance loan USX Federal Credit Union made was $95K; across all loan types its typical loan ran from $55K to $95K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does USX Federal Credit Union lend?
USX Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and Ohio.
Can I apply to USX Federal Credit Union directly?
Yes. USX Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show USX 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 USX Federal Credit Union treats applications, then get a rate quote from the lender.