Blaze Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th14.3% deniedPricingmedian rate spread over APOR, weight 30%
70th0.15 ptsProcesswithdrawn + incomplete share, weight 15%
66th13.6%Closing coststotal loan costs ÷ loan amount, weight 10%
97th0.60% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,882 | 1,659 | 20.1% | 23.4% | 7.25% | $178M |
| 2024 | 3,508 | 2,311 | 13.8% | 16.0% | 7.90% | $295M |
| 2025 | 4,286 | 2,827 | 12.4% | 14.3% | 6.38% | $453M |
What Blaze Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,553 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 105 investment properties.
Why Blaze Credit Union denies applications
Primary reason reported for each of the 531 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Blaze Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 341 | 139 | 43.1% |
| $50k – $100k | 1,347 | 816 | 19.2% |
| $100k – $150k | 1,116 | 802 | 10.9% |
| $150k – $250k | 955 | 721 | 6.0% |
| Over $250k | 414 | 278 | 6.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 56 | 34 | 8.2% |
| 25–34 | 458 | 267 | 17.7% |
| 35–44 | 962 | 637 | 15.2% |
| 45–54 | 1,064 | 723 | 14.9% |
| 55–64 | 916 | 630 | 12.3% |
| 65–74 | 546 | 353 | 13.4% |
| Over 74 | 215 | 135 | 15.3% |
Where Blaze Credit Union lends
37 states and 163 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Blaze Credit Union denied 14.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of mid-size mortgage lenders.
The most common reason Blaze Credit Union gave in 2025 was "debt-to-income ratio", cited on 56.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Blaze Credit Union originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 25% for refinancing (including cash-out), and 58% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.