Gesa Credit Union mortgage approval rate & lending review
Gesa Credit Union decided 3,731 mortgage applications and funded 2,904 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gesa Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gesa Credit Union at a glance
Approval is 7.1 points above the 71.4% 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 | 81% | 804 / 988 | 99% | $335K | 796 |
| Home improvement loans | 79% | 1,260 / 1,593 | 99% | $75K | 1,248 |
| Cash-out refinance | 77% | 632 / 816 | 99% | $135K | 625 |
| Refinance | 65% | 70 / 108 | 100% | $155K | 70 |
| Investment property purchase | 79% | 70 / 89 | 99% | $295K | 69 |
| Investment cash-out refinance | 69% | 24 / 35 | 100% | $225K | 24 |
| Investment home improvement | 64% | 50 / 78 | 100% | $105K | 50 |
Gesa Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 79% | $135K | 3,579 | 2,793 |
| Idaho | 74% | $475K | 108 | 80 |
| Oregon | 70% | $235K | 44 | 31 |
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 Gesa Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Benton County, WA | Home improvement loans | 82% | 573 | 467 |
| Benton County, WA | Mortgage lenders | 91% | 384 | 344 |
| Benton County, WA | Cash-out refinance | 83% | 266 | 220 |
| King County, WA | Home improvement loans | 80% | 236 | 188 |
| Spokane County, WA | Mortgage lenders | 74% | 203 | 150 |
| Yakima County, WA | Home improvement loans | 75% | 185 | 138 |
| Spokane County, WA | Home improvement loans | 76% | 156 | 117 |
| Yakima County, WA | Cash-out refinance | 66% | 155 | 102 |
| Pierce County, WA | Home improvement loans | 79% | 120 | 94 |
| Snohomish County, WA | Home improvement loans | 80% | 109 | 86 |
| Grant County, WA | Mortgage lenders | 82% | 106 | 84 |
| King County, WA | Cash-out refinance | 78% | 107 | 84 |
The county markets where Gesa Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Gesa Credit Union
What is Gesa Credit Union's mortgage approval rate?
Gesa Credit Union approved 78.6% of the 3,731 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 71.4% national rate for the same mix of loan types.
How often do borrowers take the loan Gesa Credit Union offers?
Borrowers accepted 99% of the loans Gesa 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 Gesa Credit Union make?
The typical home improvement loan loan Gesa Credit Union made was $75K; across all loan types its typical loan ran from $75K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gesa Credit Union lend?
Gesa Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Washington, Idaho and Oregon.
Can I apply to Gesa Credit Union directly?
Yes. Gesa Credit Union is a bank or credit union with 45 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gesa 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 Gesa Credit Union treats applications, then get a rate quote from the lender.