Wright Patman Congressional Federal Credit Union mortgage approval rate & lending review
Wright Patman Congressional Federal Credit Union decided 1,374 mortgage applications and funded 1,118 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wright Patman Congressional Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wright Patman Congressional Federal Credit Union at a glance
Approval is 12.0 points above the 71.9% 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 | 89% | 211 / 237 | 96% | $465K | 203 |
| Home improvement loans | 88% | 98 / 112 | 98% | $85K | 96 |
| Cash-out refinance | 83% | 716 / 867 | 97% | $125K | 696 |
| Refinance | 73% | 33 / 45 | 97% | $405K | 32 |
| Investment property purchase | 96% | 27 / 28 | 93% | $255K | 25 |
| Investment cash-out refinance | 76% | 50 / 66 | 98% | $105K | 49 |
Wright Patman Congressional Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 81% | $85K | 380 | 296 |
| Virginia | 88% | $155K | 357 | 309 |
| District of Columbia | 84% | $165K | 184 | 148 |
| Florida | 75% | $155K | 60 | 44 |
| California | 85% | $105K | 54 | 43 |
| North Carolina | 92% | $85K | 36 | 33 |
| Pennsylvania | 79% | $55K | 29 | 22 |
| Georgia | 71% | $55K | 24 | 17 |
| New Jersey | 91% | $105K | 22 | 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 Wright Patman Congressional Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Cash-out refinance | 88% | 106 | 91 |
| Prince George's County, MD | Cash-out refinance | 72% | 90 | 62 |
| Montgomery County, MD | Cash-out refinance | 85% | 72 | 57 |
| Loudoun County, VA | Cash-out refinance | 91% | 33 | 30 |
| Alexandria city, VA | Cash-out refinance | 91% | 32 | 29 |
| Arlington County, VA | Cash-out refinance | 93% | 30 | 27 |
| Anne Arundel County, MD | Cash-out refinance | 71% | 31 | 22 |
| Charles County, MD | Cash-out refinance | 68% | 28 | 19 |
| Prince William County, VA | Cash-out refinance | 82% | 22 | 18 |
The county markets where Wright Patman Congressional Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wright Patman Congressional Federal Credit Union
What is Wright Patman Congressional Federal Credit Union's mortgage approval rate?
Wright Patman Congressional Federal Credit Union approved 83.9% of the 1,374 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points above the 71.9% national rate for the same mix of loan types.
How often do borrowers take the loan Wright Patman Congressional Federal Credit Union offers?
Borrowers accepted 97% of the loans Wright Patman Congressional Federal 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 Wright Patman Congressional Federal Credit Union make?
The typical cash-out refinance loan Wright Patman Congressional Federal Credit Union made was $125K; across all loan types its typical loan ran from $85K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wright Patman Congressional Federal Credit Union lend?
Wright Patman Congressional Federal Credit Union decided applications in 45 of the states Fat Boy Data covers, most of them in Maryland, Virginia and District of Columbia.
Can I apply to Wright Patman Congressional Federal Credit Union directly?
Yes. Wright Patman Congressional Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wright Patman Congressional Federal 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 Wright Patman Congressional Federal Credit Union treats applications, then get a rate quote from the lender.