Financial Partners 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
35th29.6% deniedPricingmedian rate spread over APOR, weight 30%
53rd0.07 ptsProcesswithdrawn + incomplete share, weight 15%
77th7.6%Closing coststotal loan costs ÷ loan amount, weight 10%
84th1.72% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,706 | 851 | 29.8% | 33.0% | 8.25% | $163M |
| 2024 | 1,613 | 830 | 26.7% | 29.3% | 8.50% | $217M |
| 2025 | 2,179 | 1,205 | 27.4% | 29.6% | 7.50% | $413M |
What Financial Partners 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: 1,694 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 181 investment properties.
Why Financial Partners Credit Union denies applications
Primary reason reported for each of the 596 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Financial Partners 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 | 130 | 43 | 45.5% |
| $50k – $100k | 496 | 226 | 41.0% |
| $100k – $150k | 496 | 278 | 27.5% |
| $150k – $250k | 553 | 357 | 22.7% |
| Over $250k | 367 | 227 | 25.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 87 | 45 | 35.1% |
| 35–44 | 356 | 204 | 26.4% |
| 45–54 | 555 | 331 | 28.9% |
| 55–64 | 560 | 289 | 32.8% |
| 65–74 | 320 | 180 | 30.6% |
| Over 74 | 168 | 82 | 33.1% |
Where Financial Partners Credit Union lends
21 states and 66 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 2,132 | 1,191 | 26.6% | 7.50% | #100 |
| Arizona | 10 | 3 | 60.0% | 6.13% | #506 |
| Florida | 6 | 1 | 83.3% | 6.38% | #1,039 |
Frequently asked questions
Financial Partners Credit Union denied 29.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of home-equity (HELOC) lenders.
The most common reason Financial Partners Credit Union gave in 2025 was "debt-to-income ratio", cited on 42.3% 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 Financial Partners Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.07 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 18% for refinancing (including cash-out), and 74% 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.