Lender profile · HMDA 2023–2025
Whatcom Educational Credit Union mortgage approval rates & lending data
Whatcom Educational Credit Union decided 2,718 mortgage applications and funded 2,168 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 649 / 723 | 99% | $425K | 645 |
| Home improvement loans | 77% | 985 / 1,275 | 99% | $75K | 976 |
| Cash-out refinance | 78% | 389 / 496 | 99% | $155K | 387 |
| Refinance | 71% | 48 / 68 | 100% | $365K | 48 |
| Investment property purchase | 80% | 53 / 66 | 100% | $295K | 53 |
| Investment cash-out refinance | 76% | 19 / 25 | 100% | $425K | 19 |
| Investment refinance | 80% | 20 / 25 | 100% | $1M | 20 |
| Investment home improvement | 50% | 20 / 40 | 100% | $75K | 20 |
Whatcom Educational Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 80% | $155K | 2,718 | 2,168 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.