Credit Union West mortgage approval rate & lending review
Credit Union West decided 1,603 mortgage applications and funded 960 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union West reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union West at a glance
Approval is 0.2 points above the 65.6% 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 | 78% | 128 / 164 | 93% | $275K | 119 |
| Home improvement loans | 66% | 799 / 1,209 | 90% | $75K | 719 |
| Cash-out refinance | 57% | 55 / 96 | 93% | $155K | 51 |
| Refinance | 76% | 39 / 51 | 100% | $385K | 39 |
| Investment home improvement | 36% | 27 / 74 | 96% | $65K | 26 |
Credit Union West lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 66% | $75K | 1,600 | 958 |
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 Credit Union West lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Home improvement loans | 66% | 990 | 587 |
| Yavapai County, AZ | Home improvement loans | 70% | 149 | 93 |
| Pinal County, AZ | Home improvement loans | 55% | 40 | 21 |
| Maricopa County, AZ | Investment home improvement | 36% | 53 | 18 |
| Yavapai County, AZ | Cash-out refinance | 54% | 24 | 10 |
The county markets where Credit Union West made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union West
What is Credit Union West's mortgage approval rate?
Credit Union West approved 65.8% of the 1,603 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.2 points above the 65.6% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union West offers?
Borrowers accepted 91% of the loans Credit Union West 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 Credit Union West make?
The typical home improvement loan loan Credit Union West made was $75K; across all loan types its typical loan ran from $65K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union West lend?
Credit Union West decided applications in 3 of the states Fat Boy Data covers, most of them in Arizona, Ohio and North Carolina.
Can I apply to Credit Union West directly?
Yes. Credit Union West is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union West'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 Credit Union West treats applications, then get a rate quote from the lender.