Wings Financial Credit Union mortgage approval rate & lending review
Wings Financial Credit Union decided 9,044 mortgage applications and funded 6,335 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wings Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to wfcu.com.
Wings Financial Credit Union at a glance
Approval is 13.5 points above the 74.3% 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 | 96% | 2,898 / 3,016 | 82% | $325K | 2,374 |
| Home improvement loans | 84% | 3,043 / 3,618 | 79% | $75K | 2,403 |
| Cash-out refinance | 84% | 404 / 481 | 76% | $245K | 305 |
| Refinance | 83% | 1,125 / 1,362 | 78% | $105K | 872 |
| Investment property purchase | 94% | 311 / 331 | 85% | $275K | 264 |
| Investment cash-out refinance | 71% | 41 / 58 | 76% | $245K | 31 |
| Investment refinance | 67% | 31 / 46 | 77% | $255K | 24 |
| Investment home improvement | 61% | 80 / 132 | 78% | $85K | 62 |
Wings Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 88% | $105K | 6,849 | 4,788 |
| Florida | 88% | $285K | 445 | 291 |
| Wisconsin | 97% | $415K | 321 | 294 |
| Georgia | 80% | $75K | 245 | 157 |
| Michigan | 84% | $65K | 210 | 130 |
| Arizona | 90% | $325K | 109 | 79 |
| Washington | 91% | $185K | 103 | 73 |
| California | 84% | $105K | 102 | 67 |
| Colorado | 93% | $365K | 68 | 48 |
| Tennessee | 80% | $155K | 65 | 41 |
| North Carolina | 90% | $265K | 58 | 47 |
| Texas | 92% | $555K | 51 | 35 |
| Illinois | 89% | $285K | 44 | 32 |
| Nevada | 83% | $105K | 41 | 27 |
| Ohio | 77% | $125K | 30 | 20 |
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 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hennepin County, MN | Home improvement loans | 84% | 1,204 | 786 |
| Hennepin County, MN | Mortgage lenders | 97% | 845 | 679 |
| Dakota County, MN | Home improvement loans | 88% | 604 | 414 |
| Dakota County, MN | Mortgage lenders | 96% | 461 | 378 |
| Hennepin County, MN | Refinance | 83% | 396 | 244 |
| Dakota County, MN | Refinance | 86% | 268 | 181 |
| Scott County, MN | Home improvement loans | 83% | 222 | 153 |
| Ramsey County, MN | Mortgage lenders | 95% | 184 | 141 |
| Anoka County, MN | Home improvement loans | 80% | 223 | 138 |
| Washington County, MN | Mortgage lenders | 97% | 166 | 134 |
| Ramsey County, MN | Home improvement loans | 78% | 223 | 133 |
| Scott County, MN | Mortgage lenders | 95% | 169 | 131 |
The county markets where Wings Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wings Financial Credit Union
What is Wings Financial Credit Union's mortgage approval rate?
Wings Financial Credit Union approved 87.7% of the 9,044 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 74.3% national rate for the same mix of loan types.
How often do borrowers take the loan Wings Financial Credit Union offers?
Borrowers accepted 80% of the loans Wings Financial 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 Financial Credit Union make?
The typical home improvement loan loan Wings Financial Credit Union made was $75K; across all loan types its typical loan ran from $75K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wings Financial Credit Union lend?
Wings Financial Credit Union decided applications in 47 of the states Fat Boy Data covers, most of them in Minnesota, Florida and Wisconsin.
Can I apply to Wings Financial Credit Union directly?
Yes. Wings Financial Credit Union reports as a direct lender that takes applications from borrowers. Its website is wfcu.com.
Does this page show Wings Financial 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 Financial Credit Union treats applications, then get a rate quote from the lender.