1st Community Credit Union in Wisconsin vs the state
18.8%Denial rate+4.80 pts vs state
19.3%Decision denial rate+2.98 pts vs state
59.6%Origination rate-8.52 pts vs state
6.50%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.37 pts vs state
$81kMedian applicant income
130Loans originated
41Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 120 | 13.3% | 8.00% | #133 |
| 2024 | 185 | 108 | 18.9% | 7.13% | #149 |
| 2025 | 218 | 130 | 18.8% | 6.50% | #150 |
What 1st Community Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most 1st Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 135 | 82 | 25 | 18.5% |
| La Crosse County | 40 | 23 | 10 | 25.0% |
| Juneau County | 12 | 6 | 1 | 8.3% |
| Jackson County | 10 | 9 | 0 | 0.0% |
| Vernon County | 6 | 4 | 1 | 16.7% |
| Sauk County | 3 | 1 | 1 | 33.3% |
| Eau Claire County | 2 | 1 | 0 | 0.0% |
| Trempealeau County | 2 | 0 | 0 | 0.0% |
| Richland County | 2 | 0 | 2 | 100.0% |
| Chippewa County | 1 | 1 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 218 applications in 2025, of which 130 were originated and 41 denied.
18.8% of all applications, or 19.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans 1st Community Credit Union originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are 1st Community Credit Union's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology