Qualstar Credit Union mortgage approval rate & lending review
Qualstar Credit Union decided 783 mortgage applications and funded 635 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Qualstar Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Qualstar Credit Union at a glance
Approval is 14.7 points above the 67.4% 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 | 88% | 60 / 68 | 100% | $445K | 60 |
| Home improvement loans | 86% | 395 / 457 | 99% | $75K | 392 |
| Cash-out refinance | 73% | 85 / 117 | 99% | $125K | 84 |
| Refinance | 75% | 79 / 105 | 96% | $125K | 76 |
Qualstar Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 82% | $75K | 773 | 627 |
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 Qualstar Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| King County, WA | Home improvement loans | 88% | 158 | 137 |
| Pierce County, WA | Home improvement loans | 85% | 119 | 100 |
| Snohomish County, WA | Home improvement loans | 85% | 107 | 91 |
| King County, WA | Cash-out refinance | 70% | 44 | 31 |
| Pierce County, WA | Cash-out refinance | 59% | 34 | 19 |
| Snohomish County, WA | Refinance | 79% | 24 | 18 |
| Pierce County, WA | Refinance | 64% | 25 | 16 |
The county markets where Qualstar Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Qualstar Credit Union
What is Qualstar Credit Union's mortgage approval rate?
Qualstar Credit Union approved 82.1% of the 783 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 67.4% national rate for the same mix of loan types.
How often do borrowers take the loan Qualstar Credit Union offers?
Borrowers accepted 99% of the loans Qualstar 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 Qualstar Credit Union make?
The typical home improvement loan loan Qualstar Credit Union made was $75K; across all loan types its typical loan ran from $75K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Qualstar Credit Union lend?
Qualstar Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Washington, Oregon and Idaho.
Can I apply to Qualstar Credit Union directly?
Yes. Qualstar Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Qualstar 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 Qualstar Credit Union treats applications, then get a rate quote from the lender.