WESTERN SUN Federal 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 D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th17.8% deniedProcesswithdrawn + incomplete share, weight 15%
25th17.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 101 | 59 | 16.8% | 21.8% | — | $3.5M |
| 2024 | 105 | 64 | 20.0% | 23.6% | — | $6.1M |
| 2025 | 123 | 83 | 14.6% | 17.8% | — | $5.8M |
What WESTERN SUN Federal 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 2 investment properties.
Who gets approved at WESTERN SUN Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 42 | 32 | 11.1% |
| $100k – $150k | 36 | 26 | 10.3% |
| $150k – $250k | 26 | 17 | 19.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 36 | 24 | 17.2% |
| 55–64 | 29 | 16 | 27.3% |
| 65–74 | 23 | 21 | 8.7% |
Frequently asked questions
WESTERN SUN Federal Credit Union denied 17.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
In 2025, 10% of its applications were for home purchases, 25% for refinancing (including cash-out), and 65% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% 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.