Wright-Patt Credit Union, Inc. mortgage approval rate & lending review
Wright-Patt Credit Union, Inc. decided 17,161 mortgage applications and funded 11,559 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wright-Patt Credit Union, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wright-Patt Credit Union, Inc. at a glance
Approval is 1.4 points above the 73.8% 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 | 93% | 5,081 / 5,476 | 90% | $195K | 4,549 |
| Home improvement loans | 64% | 4,725 / 7,409 | 89% | $55K | 4,196 |
| Cash-out refinance | 78% | 468 / 600 | 91% | $125K | 426 |
| Refinance | 72% | 2,275 / 3,165 | 92% | $85K | 2,097 |
| Investment property purchase | 93% | 272 / 293 | 85% | $135K | 231 |
| Investment cash-out refinance | 74% | 51 / 69 | 80% | $105K | 41 |
| Investment refinance | 21% | 7 / 34 | 43% | $115K | 3 |
| Investment home improvement | 16% | 18 / 115 | 89% | $75K | 16 |
Wright-Patt Credit Union, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 75% | $85K | 16,948 | 11,401 |
| Kentucky | 93% | $265K | 41 | 35 |
| Indiana | 77% | $225K | 39 | 28 |
| Florida | 82% | $265K | 28 | 19 |
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-Patt Credit Union, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, OH | Mortgage lenders | 93% | 2,093 | 1,714 |
| Montgomery County, OH | Home improvement loans | 63% | 2,733 | 1,533 |
| Greene County, OH | Mortgage lenders | 94% | 848 | 722 |
| Montgomery County, OH | Refinance | 72% | 1,029 | 682 |
| Greene County, OH | Home improvement loans | 70% | 985 | 626 |
| Franklin County, OH | Home improvement loans | 59% | 984 | 504 |
| Franklin County, OH | Mortgage lenders | 91% | 565 | 454 |
| Clark County, OH | Mortgage lenders | 91% | 504 | 403 |
| Clark County, OH | Home improvement loans | 61% | 721 | 392 |
| Miami County, OH | Home improvement loans | 71% | 584 | 368 |
| Miami County, OH | Mortgage lenders | 94% | 384 | 328 |
| Greene County, OH | Refinance | 79% | 435 | 316 |
The county markets where Wright-Patt Credit Union, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Wright-Patt Credit Union, Inc.
What is Wright-Patt Credit Union, Inc.'s mortgage approval rate?
Wright-Patt Credit Union, Inc. approved 75.2% of the 17,161 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.4 points above the 73.8% national rate for the same mix of loan types.
How often do borrowers take the loan Wright-Patt Credit Union, Inc. offers?
Borrowers accepted 90% of the loans Wright-Patt Credit Union, Inc. 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 Wright-Patt Credit Union, Inc. make?
The typical home improvement loan loan Wright-Patt Credit Union, Inc. made was $55K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wright-Patt Credit Union, Inc. lend?
Wright-Patt Credit Union, Inc. decided applications in 33 of the states Fat Boy Data covers, most of them in Ohio, Kentucky and Indiana.
Can I apply to Wright-Patt Credit Union, Inc. directly?
Yes. Wright-Patt Credit Union, Inc. is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wright-Patt Credit Union, Inc.'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-Patt Credit Union, Inc. treats applications, then get a rate quote from the lender.