Lender profile · HMDA 2023–2025
Utilities Employees Credit Union mortgage approval rates & lending data
Utilities Employees Credit Union decided 671 mortgage applications and funded 600 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Florida | 94% | $195K | 18 | 17 |
| Delaware | 89% | $265K | 9 | 8 |
| Georgia | 100% | $55K | 9 | 9 |
| Virginia | 100% | $55K | 8 | 8 |
| California | 100% | $55K | 6 | 6 |
| Maryland | 100% | $55K | 6 | 6 |
| Ohio | 100% | $45K | 4 | 4 |
| Illinois | 100% | $35K | 2 | 2 |
| Tennessee | 100% | $35K | 2 | 2 |
| Washington | 50% | $125K | 2 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.