Wildfire Credit Union mortgage approval rate & lending review
Wildfire Credit Union decided 681 mortgage applications and funded 569 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wildfire Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wildfire Credit Union at a glance
Approval is 8.0 points above the 76.2% 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 | 98% | 247 / 251 | 100% | $165K | 247 |
| Home improvement loans | 80% | 82 / 103 | 99% | $65K | 81 |
| Cash-out refinance | 69% | 145 / 210 | 99% | $65K | 143 |
| Refinance | 79% | 48 / 61 | 100% | $35K | 48 |
Wildfire Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 84% | $65K | 681 | 569 |
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 Wildfire Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bay County, MI | Mortgage lenders | 99% | 112 | 111 |
| Saginaw County, MI | Mortgage lenders | 97% | 104 | 101 |
| Saginaw County, MI | Cash-out refinance | 62% | 115 | 71 |
| Bay County, MI | Cash-out refinance | 77% | 79 | 59 |
| Saginaw County, MI | Home improvement loans | 76% | 55 | 42 |
| Bay County, MI | Home improvement loans | 84% | 37 | 31 |
| Saginaw County, MI | Refinance | 71% | 35 | 25 |
| Bay County, MI | Refinance | 85% | 20 | 17 |
The county markets where Wildfire Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wildfire Credit Union
What is Wildfire Credit Union's mortgage approval rate?
Wildfire Credit Union approved 84.1% of the 681 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 76.2% national rate for the same mix of loan types.
How often do borrowers take the loan Wildfire Credit Union offers?
Borrowers accepted 99% of the loans Wildfire Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wildfire Credit Union make?
The typical home purchase mortgage loan Wildfire Credit Union made was $165K; across all loan types its typical loan ran from $35K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wildfire Credit Union lend?
Wildfire Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Wildfire Credit Union directly?
Yes. Wildfire Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wildfire 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 Wildfire Credit Union treats applications, then get a rate quote from the lender.