Wright-Patt 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 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%
6th34.1% deniedPricingmedian rate spread over APOR, weight 30%
52nd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
89th7.4%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd3.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 7,962 | 4,594 | 29.6% | 31.2% | 8.25% | $502M |
| 2024 | 8,315 | 5,344 | 23.5% | 24.9% | 8.50% | $754M |
| 2025 | 9,726 | 5,317 | 31.5% | 34.1% | 7.25% | $861M |
What Wright-Patt 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: 3,817 home-equity lines, 0 reverse mortgages, 87 manufactured homes, 232 investment properties.
Why Wright-Patt Credit Union denies applications
Primary reason reported for each of the 3,068 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Wright-Patt 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 | 1,600 | 488 | 60.6% |
| $50k – $100k | 3,610 | 1,896 | 36.7% |
| $100k – $150k | 2,323 | 1,486 | 24.2% |
| $150k – $250k | 1,623 | 1,141 | 18.1% |
| Over $250k | 461 | 300 | 22.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 386 | 187 | 37.2% |
| 25–34 | 1,975 | 1,105 | 30.5% |
| 35–44 | 2,438 | 1,330 | 34.0% |
| 45–54 | 2,076 | 1,136 | 35.5% |
| 55–64 | 1,616 | 925 | 32.6% |
| 65–74 | 898 | 468 | 37.6% |
| Over 74 | 332 | 164 | 39.8% |
Where Wright-Patt Credit Union lends
23 states and 180 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 8,791 | 5,207 | 28.1% | 7.50% | #8 |
| Kentucky | 50 | 35 | 14.0% | 6.13% | #269 |
| Indiana | 31 | 21 | 22.6% | 7.13% | #408 |
| Tennessee | 23 | 17 | 4.4% | 5.88% | #512 |
| Florida | 13 | 9 | 7.7% | 6.88% | #856 |
| Michigan | 11 | 7 | 0.0% | 6.13% | #506 |
| Texas | 6 | 4 | 16.7% | 6.38% | #1,035 |
| Georgia | 5 | 4 | 0.0% | 6.00% | #782 |
| Illinois | 5 | 2 | 0.0% | 6.00% | #773 |
| North Carolina | 5 | 1 | 20.0% | 6.25% | #762 |
Frequently asked questions
Wright-Patt Credit Union denied 34.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 6th percentile of mid-size mortgage lenders.
The most common reason Wright-Patt Credit Union gave in 2025 was "credit history", cited on 33.1% 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 Wright-Patt Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 37% of its applications were for home purchases, 21% for refinancing (including cash-out), and 42% for home improvement or other purposes. By loan type: 96% conventional, 3% 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.