Wildfire 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 C 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%
40th12.1% deniedProcesswithdrawn + incomplete share, weight 15%
50th11.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 409 | 299 | 14.4% | 16.4% | 6.63% | $42M |
| 2024 | 383 | 290 | 13.6% | 15.0% | — | $44M |
| 2025 | 403 | 310 | 10.7% | 12.1% | — | $58M |
What Wildfire 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, 12 manufactured homes, 17 investment properties.
Who gets approved at Wildfire 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 | 76 | 50 | 24.2% |
| $50k – $100k | 146 | 114 | 14.8% |
| $100k – $150k | 85 | 74 | 3.8% |
| $150k – $250k | 47 | 37 | 5.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 60 | 51 | 5.6% |
| 35–44 | 85 | 69 | 5.5% |
| 45–54 | 82 | 62 | 12.5% |
| 55–64 | 78 | 52 | 22.1% |
| 65–74 | 40 | 30 | 13.9% |
Where Wildfire Credit Union lends
1 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 403 | 310 | 10.7% | — | #145 |
Frequently asked questions
Wildfire Credit Union denied 12.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of small mortgage lenders.
In 2025, 42% of its applications were for home purchases, 38% for refinancing (including cash-out), and 20% 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.