Wheelhouse Credit Union mortgage approval rate & lending review
Wheelhouse Credit Union decided 381 mortgage applications and funded 343 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wheelhouse Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wheelhouse Credit Union at a glance
Approval is 22.5 points above the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 92% | 309 / 337 | 98% | $105K | 303 |
Wheelhouse Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 92% | $105K | 381 | 343 |
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 Wheelhouse Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Cash-out refinance | 92% | 284 | 255 |
The county markets where Wheelhouse Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wheelhouse Credit Union
What is Wheelhouse Credit Union's mortgage approval rate?
Wheelhouse Credit Union approved 91.9% of the 381 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 22.5 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Wheelhouse Credit Union offers?
Borrowers accepted 98% of the loans Wheelhouse Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wheelhouse Credit Union make?
The typical cash-out refinance loan Wheelhouse Credit Union made was $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wheelhouse Credit Union lend?
Wheelhouse Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Wheelhouse Credit Union directly?
Yes. Wheelhouse Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wheelhouse 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 Wheelhouse Credit Union treats applications, then get a rate quote from the lender.