# CHOICE ONE COMMUNITY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/choice-one-community-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

CHOICE ONE COMMUNITY FEDERAL CREDIT UNION is a credit union, headquartered in Plains Township, PA, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DA1N0K2LJI0471
- **Headquarters:** Plains Township, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 93.3%
- **Brokered/Wholesale:** 6.7%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $5 million
- **Applications Received:** 60
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $85,741
- **Average Borrower Income:** $82,648

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 54 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 50 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 60/100 | 50 | $4M | - | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 54 | 0.04% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Scranton | PA | 52 | 77/100 |

## Frequently Asked Questions

### What loan types does CHOICE ONE COMMUNITY FEDERAL CREDIT UNION offer?

CHOICE ONE COMMUNITY FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CHOICE ONE COMMUNITY FEDERAL CREDIT UNION offer mortgages?

CHOICE ONE COMMUNITY FEDERAL CREDIT UNION offers mortgages in 1 states: PA.

### What type of lender is CHOICE ONE COMMUNITY FEDERAL CREDIT UNION?

CHOICE ONE COMMUNITY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Plains Township, PA.

### What is CHOICE ONE COMMUNITY FEDERAL CREDIT UNION's loan approval success rate?

CHOICE ONE COMMUNITY FEDERAL CREDIT UNION has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/choice-one-community-federal-credit-union

### How to Cite

> "CHOICE ONE COMMUNITY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/choice-one-community-federal-credit-union

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