Wings Credit Union mortgage approval rate & lending review
Wings Credit Union decided 25,386 mortgage applications and funded 16,987 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wings Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to wcu.com.
Wings Credit Union at a glance
Approval is 8.3 points above the 73.0% 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 | 92% | 6,546 / 7,133 | 79% | $385K | 5,178 |
| Home improvement loans | 78% | 7,767 / 9,980 | 86% | $75K | 6,711 |
| Cash-out refinance | 67% | 904 / 1,348 | 57% | $285K | 513 |
| Refinance | 81% | 3,847 / 4,746 | 87% | $115K | 3,331 |
| Investment property purchase | 77% | 510 / 666 | 77% | $205K | 392 |
| Investment cash-out refinance | 58% | 100 / 171 | 56% | $235K | 56 |
| Investment refinance | 72% | 257 / 355 | 81% | $125K | 208 |
| Investment home improvement | 72% | 713 / 987 | 84% | $105K | 598 |
Wings Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 81% | $115K | 25,384 | 16,986 |
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 Wings Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Paso County, CO | Home improvement loans | 80% | 5,342 | 3,719 |
| El Paso County, CO | Mortgage lenders | 93% | 4,010 | 2,977 |
| El Paso County, CO | Refinance | 82% | 2,670 | 1,938 |
| Pueblo County, CO | Home improvement loans | 70% | 1,001 | 601 |
| Pueblo County, CO | Mortgage lenders | 92% | 744 | 531 |
| Douglas County, CO | Home improvement loans | 80% | 670 | 472 |
| Arapahoe County, CO | Home improvement loans | 75% | 599 | 388 |
| Larimer County, CO | Home improvement loans | 82% | 493 | 356 |
| El Paso County, CO | Cash-out refinance | 71% | 782 | 324 |
| El Paso County, CO | Investment home improvement | 75% | 505 | 317 |
| Douglas County, CO | Mortgage lenders | 90% | 440 | 315 |
| Weld County, CO | Home improvement loans | 71% | 510 | 314 |
The county markets where Wings Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wings Credit Union
What is Wings Credit Union's mortgage approval rate?
Wings Credit Union approved 81.3% of the 25,386 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 73.0% national rate for the same mix of loan types.
How often do borrowers take the loan Wings Credit Union offers?
Borrowers accepted 82% of the loans Wings 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 Wings Credit Union make?
The typical home improvement loan loan Wings Credit Union made was $75K; across all loan types its typical loan ran from $75K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wings Credit Union lend?
Wings Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Colorado, Arkansas and Illinois.
Can I apply to Wings Credit Union directly?
Yes. Wings Credit Union reports as a direct lender that takes applications from borrowers. Its website is wcu.com.
Does this page show Wings 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 Wings Credit Union treats applications, then get a rate quote from the lender.