Blackhawk Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
88th12.3% deniedPricingmedian rate spread over APOR, weight 30%
34th0.30 ptsProcesswithdrawn + incomplete share, weight 15%
68th9.5%Closing coststotal loan costs ÷ loan amount, weight 10%
45th3.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,005 | 754 | 12.6% | 14.3% | 8.25% | $69M |
| 2024 | 799 | 631 | 10.5% | 11.7% | 8.50% | $59M |
| 2025 | 801 | 635 | 11.1% | 12.3% | 7.50% | $66M |
What Blackhawk Community Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 561 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 18 investment properties.
Why Blackhawk Community Credit Union denies applications
Primary reason reported for each of the 89 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Blackhawk Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 121 | 83 | 25.9% |
| $50k – $100k | 358 | 281 | 14.3% |
| $100k – $150k | 187 | 161 | 4.7% |
| $150k – $250k | 98 | 86 | 2.3% |
| Over $250k | 26 | 22 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 13 | 31.6% |
| 25–34 | 97 | 79 | 11.2% |
| 35–44 | 148 | 127 | 8.6% |
| 45–54 | 165 | 121 | 17.1% |
| 55–64 | 202 | 157 | 12.2% |
| 65–74 | 138 | 109 | 9.9% |
| Over 74 | 31 | 29 | 6.5% |
Where Blackhawk Community Credit Union lends
3 states and 22 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Blackhawk Community Credit Union denied 12.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of home-equity (HELOC) lenders.
The most common reason Blackhawk Community Credit Union gave in 2025 was "other", cited on 51.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Blackhawk Community Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.30 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 40% for refinancing (including cash-out), and 44% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.