Visions Federal Credit Union mortgage approval rate & lending review
Visions Federal Credit Union decided 5,059 mortgage applications and funded 3,361 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Visions Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Visions Federal Credit Union at a glance
Approval is 1.0 points above the 68.3% 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 | 81% | 644 / 793 | 96% | $525K | 616 |
| Home improvement loans | 65% | 1,807 / 2,783 | 96% | $75K | 1,729 |
| Cash-out refinance | 72% | 980 / 1,368 | 97% | $175K | 947 |
| Refinance | 78% | 45 / 58 | 91% | $185K | 41 |
| Investment property purchase | 79% | 22 / 28 | 77% | $95K | 17 |
Visions Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 72% | $205K | 2,667 | 1,837 |
| New York | 71% | $55K | 1,853 | 1,263 |
| Pennsylvania | 55% | $55K | 491 | 261 |
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 Visions Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Broome County, NY | Home improvement loans | 68% | 808 | 527 |
| Bergen County, NJ | Home improvement loans | 65% | 533 | 326 |
| Bergen County, NJ | Cash-out refinance | 72% | 360 | 253 |
| Broome County, NY | Cash-out refinance | 77% | 305 | 229 |
| Broome County, NY | Mortgage lenders | 78% | 261 | 196 |
| Morris County, NJ | Home improvement loans | 80% | 214 | 167 |
| Berks County, PA | Home improvement loans | 54% | 235 | 121 |
| Sussex County, NJ | Home improvement loans | 74% | 161 | 115 |
| Passaic County, NJ | Home improvement loans | 66% | 176 | 111 |
| Bergen County, NJ | Mortgage lenders | 87% | 132 | 108 |
| Morris County, NJ | Cash-out refinance | 79% | 113 | 83 |
| Passaic County, NJ | Cash-out refinance | 62% | 120 | 69 |
The county markets where Visions Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Visions Federal Credit Union
What is Visions Federal Credit Union's mortgage approval rate?
Visions Federal Credit Union approved 69.4% of the 5,059 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points above the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan Visions Federal Credit Union offers?
Borrowers accepted 96% of the loans Visions 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 Visions Federal Credit Union make?
The typical home improvement loan loan Visions Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $525K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Visions Federal Credit Union lend?
Visions Federal Credit Union decided applications in 20 of the states Fat Boy Data covers, most of them in New Jersey, New York and Pennsylvania.
Can I apply to Visions Federal Credit Union directly?
Yes. Visions Federal Credit Union is a bank or credit union with 61 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Visions 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 Visions Federal Credit Union treats applications, then get a rate quote from the lender.