# WRIGHT-PATT CREDIT UNION, INC.

> **Canonical URL:** https://saferate.com/lenders/wright-patt-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


WRIGHT-PATT CREDIT UNION, INC. is a credit union, headquartered in BEAVERCREEK, OH, serving borrowers across 20 states, with 2,159 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300N1YEXP02MHBR47
- **Headquarters:** BEAVERCREEK, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AZ, FL, GA, ID, IN, KY, MI, MN, NC, NJ, OH, OK, PA, SC, TN, UT, VA, WA, WI
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.385%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $410
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,159
- **Dollar Volume:** $524 million
- **Applications Received:** 2,990
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,564
- **Average Borrower Income:** $118,571
- **Average Property Value:** $302,541

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (84%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 2,010 | -0.435% | $387 | Exceptional 🤩 |
| FHA | 68/100 | 92 | +0.533% | $366 | Strong 😀 |
| VA | 66/100 | 35 | -0.119% | $1,752 | Strong 😀 |
| Jumbo | 67/100 | 18 | -0.822% | $943 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,703 loans, Score: 85/100 (Exceptional)
- Refinance: 307 loans, Score: 80/100 (Strong)

**FHA:**
- Purchase: 86 loans, Score: 68/100 (Strong)

**VA:**
- Purchase: 34 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 1,842 | $463M | -0.451% | Exceptional 🤩 |
| Refinance | 78/100 | 317 | $61M | -0.064% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 2,094 | 1.55% | 92/100 |
| IN | 13 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dayton | OH | 1,164 | 100/100 |
| Columbus, OH | OH | 312 | 83/100 |
| Cincinnati, OH |  | 243 | 80/100 |
| Springfield, OH | OH | 194 | 100/100 |
| Non |  | 171 | 56/100 |
| Cleveland, OH | OH | 10 | 39/100 |

## Where This Lender Ranks

WRIGHT-PATT CREDIT UNION, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ohio
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders)
- 🥇 **#1** in Ohio Credit Unions
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Ohio for Conventional Loans
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Ohio for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Dayton
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders)
- 🥇 **#1** in Dayton Credit Unions
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Dayton for Conventional Loans
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Dayton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Columbus, OH Credit Unions
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Columbus, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Columbus, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Columbus, OH for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Cincinnati, OH Credit Unions
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Cincinnati, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Cincinnati, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Springfield, OH
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders)
- 🥇 **#1** in Springfield, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Dayton for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Columbus, OH
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders)
- 🥈 **#2** in Columbus, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does WRIGHT-PATT CREDIT UNION, INC. offer?

WRIGHT-PATT CREDIT UNION, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does WRIGHT-PATT CREDIT UNION, INC. offer mortgages?

WRIGHT-PATT CREDIT UNION, INC. offers mortgages in 20 states: AL, AZ, FL, GA, ID, IN, KY, MI, MN, NC, NJ, OH, OK, PA, SC, TN, UT, VA, WA, WI.

### How competitive are WRIGHT-PATT CREDIT UNION, INC.'s mortgage rates?

WRIGHT-PATT CREDIT UNION, INC. has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.385% below market average.

### What type of lender is WRIGHT-PATT CREDIT UNION, INC.?

WRIGHT-PATT CREDIT UNION, INC. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in BEAVERCREEK, OH.

### What is WRIGHT-PATT CREDIT UNION, INC.'s loan approval success rate?

WRIGHT-PATT CREDIT UNION, INC. has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/wright-patt-credit-union

### How to Cite

> "WRIGHT-PATT CREDIT UNION, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wright-patt-credit-union

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