CHOICE ONE COMMUNITY FEDERAL CREDIT UNION
CHOICE ONE COMMUNITY FEDERAL CREDIT UNION received 99 applications in 2025 and made 88 mortgages, in 5 counties across 1 state. The median rate its borrowers got was 6.740% on a median loan of $55,000. Of 99 decisions, 11 were denials — 11.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DA1N0K2LJI0471 |
|---|---|
| Applications received | 99 |
| Mortgages made | 88 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.187 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 15 | 6.740% | $45,000 | 16.7% |
| Cash-out refinancing | 44 | 6.740% | $55,000 | 8.3% |
| Other purposes | 24 | 5.990% | $55,000 | 14.3% |
Where CHOICE ONE COMMUNITY FEDERAL CREDIT UNION lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Luzerne County, PA | 83 | 6.740% | 10.8% |
| Lackawanna County, PA | 2 | Under 10 loans | 33.3% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Wyoming County, PA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When CHOICE ONE COMMUNITY FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.