Utilities Employees Credit Union mortgage approval rate & lending review
Utilities Employees Credit Union decided 671 mortgage applications and funded 600 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Utilities Employees Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Utilities Employees Credit Union at a glance
Approval is 20.0 points above the 72.0% 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 | 96% | 178 / 186 | 96% | $225K | 170 |
| Home improvement loans | 91% | 304 / 334 | 98% | $55K | 298 |
| Cash-out refinance | 88% | 53 / 60 | 96% | $105K | 51 |
| Refinance | 91% | 52 / 57 | 98% | $95K | 51 |
Utilities Employees Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 92% | $55K | 417 | 375 |
| New Jersey | 86% | $105K | 92 | 79 |
| South Carolina | 93% | $85K | 43 | 36 |
| New York | 100% | $145K | 23 | 21 |
| North Carolina | 96% | $145K | 23 | 21 |
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 Utilities Employees Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berks County, PA | Home improvement loans | 94% | 155 | 142 |
| Berks County, PA | Mortgage lenders | 91% | 45 | 39 |
| Berks County, PA | Cash-out refinance | 87% | 23 | 20 |
| Berks County, PA | Refinance | 87% | 23 | 19 |
The county markets where Utilities Employees Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Utilities Employees Credit Union
What is Utilities Employees Credit Union's mortgage approval rate?
Utilities Employees Credit Union approved 92.0% of the 671 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.0 points above the 72.0% national rate for the same mix of loan types.
How often do borrowers take the loan Utilities Employees Credit Union offers?
Borrowers accepted 97% of the loans Utilities Employees 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 Utilities Employees Credit Union make?
The typical home improvement loan loan Utilities Employees Credit Union made was $55K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Utilities Employees Credit Union lend?
Utilities Employees Credit Union decided applications in 22 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and South Carolina.
Can I apply to Utilities Employees Credit Union directly?
Yes. Utilities Employees Credit Union is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Utilities Employees 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 Utilities Employees Credit Union treats applications, then get a rate quote from the lender.