Wright Patt Credit Union Inc Mortgage Lending & HMDA Data, 2025

In 2025, Wright Patt Credit Union Inc of Beavercreek, OH reported 9,726 mortgage applications totaling $1.4 billion, up 17% from 2024. The average application was for $148,418, and applicants reported an average income of $114,609. 55% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (4,543), Columbus, OH (1,572) and Cincinnati, OH-KY-IN (1,088) (applications in parentheses).

Mortgage Company & Address Wright Patt Credit Union Inc
3560 Pentagon Blvd.
Beavercreek, OH 45431
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 9,726
Total Mortgage Loan Application Amount $1,443,520,000
Average Mortgage Loan Application Amount $148,418
Highest Mortgage Loan Application Amount $2,735,000
Average Applicant Income $114,609
Highest Applicant Income $9,632,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wright Patt Credit Union Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Wright Patt Credit Union Inc by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montgomery, Ohio 2,818 $ 328,610,000 $ 116,611 $ 102,000
Greene, Ohio 1,099 $ 164,135,000 $ 149,349 $ 122,000
Franklin, Ohio 944 $ 162,240,000 $ 171,864 $ 136,000
Clark, Ohio 737 $ 87,015,000 $ 118,066 $ 97,000
Miami, Ohio 626 $ 77,400,000 $ 123,642 $ 102,000
Warren, Ohio 485 $ 100,125,000 $ 206,443 $ 153,000
Hamilton, Ohio 300 $ 43,030,000 $ 143,433 $ 120,000
Butler, Ohio 203 $ 26,545,000 $ 130,763 $ 121,000
Delaware, Ohio 203 $ 60,995,000 $ 300,467 $ 191,000
Champaign, Ohio 192 $ 19,160,000 $ 99,791 $ 100,000
Clinton, Ohio 157 $ 19,125,000 $ 121,815 $ 98,000
Fairfield, Ohio 115 $ 15,625,000 $ 135,869 $ 138,000
Licking, Ohio 112 $ 20,030,000 $ 178,839 $ 122,000
Preble, Ohio 85 $ 13,175,000 $ 155,000 $ 92,000
Darke, Ohio 82 $ 9,280,000 $ 113,170 $ 85,000
Union, Ohio 69 $ 20,875,000 $ 302,536 $ 153,000
Highland, Ohio 62 $ 5,640,000 $ 90,967 $ 116,000
Clermont, Ohio 55 $ 10,055,000 $ 182,818 $ 149,000
Shelby, Ohio 53 $ 5,755,000 $ 108,584 $ 111,000
Pickaway, Ohio 51 $ 8,375,000 $ 164,215 $ 122,000
Madison, Ohio 44 $ 7,770,000 $ 176,590 $ 124,000
Fayette, Ohio 41 $ 4,475,000 $ 109,146 $ 115,000
Logan, Ohio 32 $ 5,550,000 $ 173,437 $ 97,000
Knox, Ohio 17 $ 4,235,000 $ 249,117 $ 108,000
Morrow, Ohio 17 $ 3,055,000 $ 179,705 $ 113,000
Muskingum, Ohio 14 $ 1,500,000 $ 107,142 $ 98,000
Kenton, Kentucky 13 $ 2,655,000 $ 204,230 $ 140,000
Marion, Ohio 13 $ 1,925,000 $ 148,076 $ 91,000
Brown, Ohio 12 $ 1,350,000 $ 112,500 $ 96,000
Cuyahoga, Ohio 11 $ 1,895,000 $ 172,272 $ 143,000
Ross, Ohio 10 $ 1,130,000 $ 113,000 $ 94,000
Hocking, Ohio 9 $ 1,625,000 $ 180,555 $ 110,000
Campbell, Kentucky 8 $ 1,360,000 $ 170,000 $ 108,000
Auglaize, Ohio 8 $ 1,720,000 $ 215,000 $ 108,000
Lorain, Ohio 8 $ 1,590,000 $ 198,750 $ 209,000
Perry, Ohio 8 $ 2,160,000 $ 270,000 $ 115,000
Summit, Ohio 7 $ 1,605,000 $ 229,285 $ 164,000
Boone, Kentucky 6 $ 1,930,000 $ 321,666 $ 134,000
Adams, Ohio 6 $ 580,000 $ 96,666 $ 74,000
Lucas, Ohio 6 $ 960,000 $ 160,000 $ 117,000
Scioto, Ohio 6 $ 420,000 $ 70,000 $ 63,000
Stark, Ohio 6 $ 810,000 $ 135,000 $ 179,000
Dearborn, Indiana 5 $ 795,000 $ 159,000 $ 139,000
Allen, Ohio 5 $ 525,000 $ 105,000 $ 144,000
Huron, Ohio 5 $ 655,000 $ 131,000 $ 123,000
Richland, Ohio 5 $ 855,000 $ 171,000 $ 106,000
Wayne, Ohio 5 $ 805,000 $ 161,000 $ 96,000
Jefferson, Kentucky 4 $ 1,510,000 $ 377,500 $ 159,000
Ashland, Ohio 4 $ 460,000 $ 115,000 $ 87,000
Mahoning, Ohio 4 $ 530,000 $ 132,500 $ 163,000
Medina, Ohio 4 $ 1,240,000 $ 310,000 $ 214,000
Mercer, Ohio 4 $ 640,000 $ 160,000 $ 148,000
Campbell, Tennessee 4 $ 1,240,000 $ 310,000 $ 399,000
Marion, Florida 3 $ 515,000 $ 171,666 $ 145,000
Wayne, Indiana 3 $ 455,000 $ 151,666 $ 129,000
Russell, Kentucky 3 $ 315,000 $ 105,000 $ 165,000
Athens, Ohio 3 $ 495,000 $ 165,000 $ 118,000
Ottawa, Ohio 3 $ 435,000 $ 145,000 $ 128,000
Trumbull, Ohio 3 $ 345,000 $ 115,000 $ 70,000
Sevier, Tennessee 3 $ 2,045,000 $ 681,666 $ 436,000
Cobb, Georgia 2 $ 610,000 $ 305,000 $ 197,000
Bond, Illinois 2 $ 450,000 $ 225,000 $ 139,000
Fayette, Indiana 2 $ 490,000 $ 245,000 $ 113,000
Hendricks, Indiana 2 $ 500,000 $ 250,000 $ 174,000
Madison, Indiana 2 $ 550,000 $ 275,000 $ 218,000
Marion, Indiana 2 $ 400,000 $ 200,000 $ 65,000
Ripley, Indiana 2 $ 70,000 $ 35,000 $ 57,000
Union, Indiana 2 $ 80,000 $ 40,000 $ 70,000
Fleming, Kentucky 2 $ 70,000 $ 35,000 $ 69,000
Pulaski, Kentucky 2 $ 590,000 $ 295,000 $ 92,000
Rowan, Kentucky 2 $ 410,000 $ 205,000 $ 75,000
Livingston, Michigan 2 $ 820,000 $ 410,000 $ 203,000
Oakland, Michigan 2 $ 800,000 $ 400,000 $ 147,000
Ottawa, Michigan 2 $ 750,000 $ 375,000 $ 114,000
Pike, Mississippi 2 $ 220,000 $ 110,000 $ 38,000
Hancock, Ohio 2 $ 180,000 $ 90,000 $ 61,000
Hardin, Ohio 2 $ 280,000 $ 140,000 $ 68,000
Pike, Ohio 2 $ 310,000 $ 155,000 $ 75,000
Portage, Ohio 2 $ 130,000 $ 65,000 $ 90,000
Vinton, Ohio 2 $ 140,000 $ 70,000 $ 73,000
Grundy, Tennessee 2 $ 550,000 $ 275,000 $ 86,000
Rhea, Tennessee 2 $ 1,170,000 $ 585,000 $ 225,000
Shelby, Tennessee 2 $ 970,000 $ 485,000 $ 316,000
Sumner, Tennessee 2 $ 870,000 $ 435,000 $ 172,000
Wilson, Tennessee 2 $ 860,000 $ 430,000 $ 107,000
Baldwin, Alabama 1 $ 225,000 $ 225,000 $ 151,000
Coconino, Arizona 1 $ 1,205,000 $ 1,205,000 $ 180,000
Maricopa, Arizona 1 $ 805,000 $ 805,000 $ 325,000
Denver, Colorado 1 $ 555,000 $ 555,000 $ 0
Larimer, Colorado 1 $ 75,000 $ 75,000 $ 72,000
Montezuma, Colorado 1 $ 615,000 $ 615,000 $ 253,000
Brevard, Florida 1 $ 315,000 $ 315,000 $ 121,000
Collier, Florida 1 $ 465,000 $ 465,000 $ 150,000
Columbia, Florida 1 $ 285,000 $ 285,000 $ 75,000
Duval, Florida 1 $ 315,000 $ 315,000 $ 120,000
Escambia, Florida 1 $ 405,000 $ 405,000 $ 524,000
Hamilton, Florida 1 $ 275,000 $ 275,000 $ 60,000
Lake, Florida 1 $ 245,000 $ 245,000 $ 74,000
Okeechobee, Florida 1 $ 195,000 $ 195,000 $ 89,000
Pasco, Florida 1 $ 265,000 $ 265,000 $ 142,000
Sarasota, Florida 1 $ 165,000 $ 165,000 $ 113,000
DeKalb, Georgia 1 $ 225,000 $ 225,000 $ 138,000
Greene, Georgia 1 $ 1,305,000 $ 1,305,000 $ 430,000
Gwinnett, Georgia 1 $ 605,000 $ 605,000 $ 524,000
Cook, Illinois 1 $ 185,000 $ 185,000 $ 135,000
Macon, Illinois 1 $ 175,000 $ 175,000 $ 92,000
McHenry, Illinois 1 $ 165,000 $ 165,000 $ 45,000
Allen, Indiana 1 $ 65,000 $ 65,000 $ 70,000
Clark, Indiana 1 $ 35,000 $ 35,000 $ 57,000
Delaware, Indiana 1 $ 595,000 $ 595,000 $ 281,000
Franklin, Indiana 1 $ 55,000 $ 55,000 $ 84,000
Fulton, Indiana 1 $ 75,000 $ 75,000 $ 77,000
Hancock, Indiana 1 $ 135,000 $ 135,000 $ 59,000
Howard, Indiana 1 $ 215,000 $ 215,000 $ 0
Johnson, Indiana 1 $ 175,000 $ 175,000 $ 137,000
Lake, Indiana 1 $ 65,000 $ 65,000 $ 144,000
Shelby, Indiana 1 $ 15,000 $ 15,000 $ 43,000
Whitley, Indiana 1 $ 85,000 $ 85,000 $ 109,000
Anderson, Kentucky 1 $ 35,000 $ 35,000 $ 66,000
Barren, Kentucky 1 $ 245,000 $ 245,000 $ 86,000
Boyd, Kentucky 1 $ 225,000 $ 225,000 $ 101,000
Clinton, Kentucky 1 $ 15,000 $ 15,000 $ 50,000
Daviess, Kentucky 1 $ 305,000 $ 305,000 $ 85,000
Greenup, Kentucky 1 $ 125,000 $ 125,000 $ 131,000
Lawrence, Kentucky 1 $ 145,000 $ 145,000 $ 114,000
Owen, Kentucky 1 $ 35,000 $ 35,000 $ 90,000
Warren, Kentucky 1 $ 225,000 $ 225,000 $ 86,000
Wayne, Kentucky 1 $ 615,000 $ 615,000 $ 220,000
East Baton Rouge, Louisiana 1 $ 115,000 $ 115,000 $ 38,000
East Feliciana, Louisiana 1 $ 55,000 $ 55,000 $ 38,000
Tangipahoa, Louisiana 1 $ 115,000 $ 115,000 $ 38,000
Prince George's, Maryland 1 $ 405,000 $ 405,000 $ 114,000
Berrien, Michigan 1 $ 425,000 $ 425,000 $ 360,000
Gladwin, Michigan 1 $ 245,000 $ 245,000 $ 716,000
Oceana, Michigan 1 $ 295,000 $ 295,000 $ 103,000
Saginaw, Michigan 1 $ 245,000 $ 245,000 $ 99,000
Wayne, Michigan 1 $ 325,000 $ 325,000 $ 165,000
Amite, Mississippi 1 $ 95,000 $ 95,000 $ 38,000
Douglas, Nebraska 1 $ 265,000 $ 265,000 $ 46,000
Santa Fe, New Mexico 1 $ 315,000 $ 315,000 $ 137,000
Dare, North Carolina 1 $ 475,000 $ 475,000 $ 223,000
Gaston, North Carolina 1 $ 265,000 $ 265,000 $ 57,000
Guilford, North Carolina 1 $ 465,000 $ 465,000 $ 255,000
Johnston, North Carolina 1 $ 365,000 $ 365,000 $ 127,000
Mecklenburg, North Carolina 1 $ 325,000 $ 325,000 $ 136,000
Ashtabula, Ohio 1 $ 375,000 $ 375,000 $ 209,000
Belmont, Ohio 1 $ 165,000 $ 165,000 $ 162,000
Columbiana, Ohio 1 $ 425,000 $ 425,000 $ 171,000
Coshocton, Ohio 1 $ 145,000 $ 145,000 $ 49,000
Crawford, Ohio 1 $ 295,000 $ 295,000 $ 58,000
Erie, Ohio 1 $ 115,000 $ 115,000 $ 90,000
Guernsey, Ohio 1 $ 35,000 $ 35,000 $ 56,000
Jefferson, Ohio 1 $ 115,000 $ 115,000 $ 85,000
Lake, Ohio 1 $ 75,000 $ 75,000 $ 60,000
Morgan, Ohio 1 $ 175,000 $ 175,000 $ 135,000
Putnam, Ohio 1 $ 295,000 $ 295,000 $ 130,000
Tuscarawas, Ohio 1 $ 75,000 $ 75,000 $ 78,000
Van Wert, Ohio 1 $ 215,000 $ 215,000 $ 102,000
Washington, Ohio 1 $ 25,000 $ 25,000 $ 72,000
Erie, Pennsylvania 1 $ 145,000 $ 145,000 $ 130,000
Indiana, Pennsylvania 1 $ 385,000 $ 385,000 $ 118,000
Lexington, South Carolina 1 $ 195,000 $ 195,000 $ 52,000
York, South Carolina 1 $ 345,000 $ 345,000 $ 99,000
Blount, Tennessee 1 $ 585,000 $ 585,000 $ 157,000
Claiborne, Tennessee 1 $ 725,000 $ 725,000 $ 337,000
Fayette, Tennessee 1 $ 485,000 $ 485,000 $ 167,000
Jefferson, Tennessee 1 $ 785,000 $ 785,000 $ 286,000
Loudon, Tennessee 1 $ 265,000 $ 265,000 $ 82,000
Maury, Tennessee 1 $ 285,000 $ 285,000 $ 155,000
Angelina, Texas 1 $ 145,000 $ 145,000 $ 49,000
Bexar, Texas 1 $ 165,000 $ 165,000 $ 108,000
Denton, Texas 1 $ 25,000 $ 25,000 $ 82,000
Fort Bend, Texas 1 $ 415,000 $ 415,000 $ 164,000
Hood, Texas 1 $ 725,000 $ 725,000 $ 253,000
Houston, Texas 1 $ 145,000 $ 145,000 $ 49,000
Fairfax, Virginia 1 $ 795,000 $ 795,000 $ 195,000
Loudoun, Virginia 1 $ 715,000 $ 715,000 $ 175,000
Newport News, Virginia 1 $ 415,000 $ 415,000 $ 157,000
Berkeley, West Virginia 1 $ 215,000 $ 215,000 $ 648,000
Lewis, West Virginia 1 $ 335,000 $ 335,000 $ 71,000

Mortgage Loan Application Detail Totals for Wright Patt Credit Union Inc in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 3,589 $882,875,000 $245,000 $2,735,000 $121,000 $9,632,000
Home Improvement 2,846 $185,370,000 $65,000 $905,000 $109,000 $1,548,000
Refinancing 1,644 $224,800,000 $136,000 $2,275,000 $122,000 $1,920,000
Other Purpose 1,266 $79,900,000 $63,000 $1,205,000 $103,000 $1,516,000
Cash-out Refinancing 381 $70,575,000 $185,000 $895,000 $103,000 $1,419,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,028 $966,660,000 $137,000 $2,735,000 $116,000 $9,632,000
Not Provided 1,060 $230,990,000 $217,000 $2,275,000 $117,000 $895,000
Black or African American 995 $111,775,000 $112,000 $985,000 $95,000 $1,920,000
Hispanic 290 $42,540,000 $146,000 $805,000 $107,000 $1,083,000
Asian 270 $80,390,000 $297,000 $845,000 $159,000 $1,806,000
American Indian or Alaskan Native 67 $7,775,000 $116,000 $655,000 $108,000 $978,000
Native Hawaiian or Other Pacific Islander 11 $1,855,000 $168,000 $405,000 $111,000 $210,000
Not applicable 5 $1,535,000 $307,000 $355,000 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 9,325 $1,349,595,000 $144,000 $2,735,000 $116,000 $9,632,000
FHA-insured (Federal Housing Administration) 248 $48,180,000 $194,000 $515,000 $72,000 $280,000
VA-guaranteed (Veterans Administration) 142 $43,830,000 $308,000 $815,000 $110,000 $281,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,915,000 $174,000 $255,000 $71,000 $119,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 5,317 $861,325,000 $161,000 $2,735,000 $124,000 $3,732,000
Application Denied By Financial Institution 3,068 $309,690,000 $100,000 $1,205,000 $91,000 $1,920,000
Application Approved But Not Accepted 621 $86,155,000 $138,000 $795,000 $105,000 $716,000
Application Withdrawn By Applicant 557 $140,385,000 $252,000 $1,305,000 $162,000 $9,632,000
File Closed For Incompleteness 163 $45,965,000 $281,000 $985,000 $150,000 $1,806,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 6,658 $1,133,830,000 $170,000 $2,735,000 $125,000 $9,632,000
Credit History 1,014 $119,990,000 $118,000 $1,205,000 $85,000 $1,920,000
Debt-To-Income Ratio 880 $92,240,000 $104,000 $795,000 $70,000 $336,000
Credit Application Incomplete 620 $47,270,000 $76,000 $965,000 $121,000 $1,488,000
Collateral 278 $21,700,000 $78,000 $405,000 $103,000 $1,083,000
Other 177 $13,145,000 $74,000 $655,000 $116,000 $1,548,000
Insufficient Cash (Downpayment, Closing Cost) 40 $6,210,000 $155,000 $385,000 $65,000 $151,000
Unverifiable Information 34 $5,160,000 $151,000 $515,000 $87,000 $340,000
Employment History 24 $3,800,000 $158,000 $525,000 $72,000 $310,000
Mortgage Insurance Denied 1 $175,000 $175,000 $175,000 $76,000 $76,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Wright Patt Credit Union Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Wright Patt Credit Union Inc's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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