Western Division Federal Credit Union mortgage approval rate & lending review
Western Division Federal Credit Union decided 946 mortgage applications and funded 802 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Western Division Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Western Division Federal Credit Union at a glance
Approval is 15.4 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 | 84% | 93 / 111 | 98% | $205K | 91 |
| Home improvement loans | 92% | 344 / 373 | 98% | $55K | 338 |
| Cash-out refinance | 75% | 24 / 32 | 92% | $125K | 22 |
| Refinance | 85% | 330 / 387 | 98% | $75K | 322 |
| Investment home improvement | 58% | 15 / 26 | 93% | $25K | 14 |
Western Division Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 87% | $75K | 946 | 802 |
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 Western Division Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Home improvement loans | 92% | 321 | 290 |
| Erie County, NY | Refinance | 85% | 322 | 267 |
| Erie County, NY | Mortgage lenders | 90% | 84 | 76 |
| Niagara County, NY | Refinance | 90% | 41 | 37 |
| Niagara County, NY | Home improvement loans | 96% | 27 | 26 |
| Chautauqua County, NY | Home improvement loans | 88% | 25 | 22 |
| Chautauqua County, NY | Refinance | 75% | 24 | 18 |
| Erie County, NY | Cash-out refinance | 75% | 24 | 16 |
| Chautauqua County, NY | Mortgage lenders | 50% | 20 | 9 |
The county markets where Western Division Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Western Division Federal Credit Union
What is Western Division Federal Credit Union's mortgage approval rate?
Western Division Federal Credit Union approved 86.8% of the 946 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.4 points above the 71.4% national rate for the same mix of loan types.
How often do borrowers take the loan Western Division Federal Credit Union offers?
Borrowers accepted 98% of the loans Western Division Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Western Division Federal Credit Union make?
The typical mortgage refinance loan Western Division Federal Credit Union made was $75K; across all loan types its typical loan ran from $25K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Western Division Federal Credit Union lend?
Western Division Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Western Division Federal Credit Union directly?
Yes. Western Division Federal Credit Union is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Western Division Federal 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 Western Division Federal Credit Union treats applications, then get a rate quote from the lender.