Westerra Credit Union mortgage approval rate & lending review
Westerra Credit Union decided 2,940 mortgage applications and funded 2,068 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Westerra Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Westerra Credit Union at a glance
Approval is 4.9 points above the 70.5% 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 | 77% | 400 / 521 | 96% | $445K | 382 |
| Home improvement loans | 77% | 931 / 1,216 | 91% | $95K | 847 |
| Cash-out refinance | 73% | 548 / 747 | 94% | $125K | 517 |
| Refinance | 82% | 285 / 346 | 95% | $105K | 271 |
| Investment property purchase | 86% | 30 / 35 | 97% | $365K | 29 |
| Investment cash-out refinance | 44% | 16 / 36 | 100% | $215K | 16 |
| Investment home improvement | 7% | 2 / 27 | 100% | $155K | 2 |
Westerra Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 76% | $105K | 2,924 | 2,068 |
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 Westerra Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, CO | Home improvement loans | 84% | 387 | 298 |
| Denver County, CO | Home improvement loans | 73% | 273 | 181 |
| Arapahoe County, CO | Home improvement loans | 74% | 226 | 156 |
| Jefferson County, CO | Cash-out refinance | 80% | 200 | 146 |
| Denver County, CO | Cash-out refinance | 70% | 202 | 136 |
| Arapahoe County, CO | Cash-out refinance | 73% | 153 | 108 |
| Douglas County, CO | Home improvement loans | 81% | 127 | 94 |
| Jefferson County, CO | Refinance | 88% | 108 | 89 |
| Douglas County, CO | Mortgage lenders | 86% | 103 | 86 |
| Jefferson County, CO | Mortgage lenders | 79% | 107 | 81 |
| Adams County, CO | Home improvement loans | 65% | 118 | 69 |
| Arapahoe County, CO | Mortgage lenders | 73% | 95 | 68 |
The county markets where Westerra Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Westerra Credit Union
What is Westerra Credit Union's mortgage approval rate?
Westerra Credit Union approved 75.4% of the 2,940 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.9 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan Westerra Credit Union offers?
Borrowers accepted 93% of the loans Westerra 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 Westerra Credit Union make?
The typical home improvement loan loan Westerra Credit Union made was $95K; across all loan types its typical loan ran from $95K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Westerra Credit Union lend?
Westerra Credit Union decided applications in 13 of the states Fat Boy Data covers, most of them in Colorado, Arizona and California.
Can I apply to Westerra Credit Union directly?
Yes. Westerra Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Westerra 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 Westerra Credit Union treats applications, then get a rate quote from the lender.