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Western Division Federal Credit Union

Williamsville, NY

Western Division Federal Credit Union processed 372 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 300 loans with a 16.1% denial rate. Refinancing was the primary loan purpose. Based in Williamsville, NY. The approval rate of 80.6% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Western Division Federal Credit Union's 80.6% origination rate tells you how often an application turned into funded money; the 16.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (372 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

372
Applications
300
Originated
16.1%
Denial Rate
$96,505
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 372 300 60 $96,505

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Western Division Federal Credit Union (LEI: 254900FDN5GT0HEKMT95) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
35
Debt-to-income ratio
23
Unverifiable information
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 160 130 $87,938
Home Improvement 148 126 $76,284
Home Purchase 47 33 $149,894
Cash-out Refinancing 17 11 $205,588

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 346 82.7% 14.2%
Black or African American * 14 50.0% 50.0%
Asian * 3 33.3% 33.3%
American Indian or Alaska Native * 1 100.0% 0.0%
Joint * 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 354 82.2% 14.7%
Hispanic or Latino * 9 55.6% 33.3%
Joint * 3 33.3% 66.7%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in NY

Other HMDA-reporting lenders in NY with similar activity. Compare any two side-by-side.

Citibank, NA

New York, NY

54,575 apps 14,104 originated 8.6% denied

M&T Bank

BUFFALO, NY

36,377 apps 20,743 originated 30.9% denied

Loan Funder LLC

New York, NY

23,955 apps 10,690 originated 11.6% denied

Bethpage Federal Credit Union

BETHPAGE, NY

21,186 apps 9,086 originated 44.3% denied

Better Mortgage Corporation

New York, NY

18,219 apps 5,450 originated 11.3% denied
Compare Western Division Federal Credit Union vs Citibank, NA →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Western Division Federal Credit Union process?
Western Division Federal Credit Union processed 372 mortgage applications in the 2024 HMDA reporting year. Of these, 300 were originated (approved and funded), 2 were withdrawn by the applicant, and 60 were denied.
What is Western Division Federal Credit Union's mortgage approval rate?
Western Division Federal Credit Union has an approval (origination) rate of 80.6%, meaning 80.6% of all applications resulted in a funded mortgage. The denial rate is 16.1%.
What is the average loan amount at Western Division Federal Credit Union?
The average mortgage loan amount at Western Division Federal Credit Union is $96,505.
What are the most common reasons for mortgage denial at Western Division Federal Credit Union?
The most common reasons for mortgage denial at Western Division Federal Credit Union are: Credit history, Debt-to-income ratio, Unverifiable information. In total, 60 applications were denied out of 372 total applications.
What types of mortgage loans does Western Division Federal Credit Union offer?
Western Division Federal Credit Union processes Conventional loans. The most common type is Conventional with 372 applications and an average loan amount of $96,505.
What loan purposes does Western Division Federal Credit Union serve?
Western Division Federal Credit Union serves the following loan purposes: Refinancing (160 applications), Home Improvement (148 applications), Home Purchase (47 applications), Cash-out Refinancing (17 applications). Refinancing is the most common purpose.
Where is Western Division Federal Credit Union located?
Western Division Federal Credit Union is headquartered in Williamsville, NY. The lender is identified by LEI 254900FDN5GT0HEKMT95 in HMDA data.
How does Western Division Federal Credit Union compare in lending across racial demographics?
Western Division Federal Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 82.7% and denial rate of 14.2%; Black or African American applicants have an approval rate of 50.0% and denial rate of 50.0%; Asian applicants have an approval rate of 33.3% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.