Widget Federal Credit Union mortgage approval rate & lending review
Widget Federal Credit Union decided 535 mortgage applications and funded 290 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Widget Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Widget Federal Credit Union at a glance
Approval is 17.4 points below the 72.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 126 / 147 | 98% | $145K | 124 |
| Home improvement loans | 42% | 108 / 257 | 100% | $35K | 108 |
| Cash-out refinance | 32% | 9 / 28 | 78% | $145K | 7 |
| Refinance | 52% | 47 / 91 | 100% | $65K | 47 |
Widget Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 55% | $65K | 535 | 290 |
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 Widget Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, PA | Mortgage lenders | 86% | 146 | 123 |
| Erie County, PA | Home improvement loans | 42% | 257 | 108 |
| Erie County, PA | Refinance | 52% | 91 | 47 |
| Erie County, PA | Cash-out refinance | 32% | 28 | 7 |
The county markets where Widget Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Widget Federal Credit Union
What is Widget Federal Credit Union's mortgage approval rate?
Widget Federal Credit Union approved 55.0% of the 535 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.4 points below the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Widget Federal Credit Union offers?
Borrowers accepted 99% of the loans Widget 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 Widget Federal Credit Union make?
The typical home improvement loan loan Widget Federal Credit Union made was $35K; across all loan types its typical loan ran from $35K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Widget Federal Credit Union lend?
Widget Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Widget Federal Credit Union directly?
Yes. Widget 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 Widget 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 Widget Federal Credit Union treats applications, then get a rate quote from the lender.