CO-OP Credit Union in Wisconsin vs the state
3.2%Denial rate-10.86 pts vs state
3.4%Decision denial rate-13.00 pts vs state
90.6%Origination rate+22.41 pts vs state
6.55%Median rate-0.08 pts vs state
0.51Rate spread (pts)+0.39 pts vs state
$93kMedian applicant income
374Loans originated
13Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 398 | 357 | 4.0% | 6.50% | #90 |
| 2024 | 370 | 331 | 5.4% | 6.85% | #99 |
| 2025 | 413 | 374 | 3.2% | 6.55% | #96 |
What CO-OP Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most CO-OP Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 194 | 175 | 4 | 2.1% |
| Trempealeau County | 60 | 53 | 4 | 6.7% |
| La Crosse County | 31 | 30 | 1 | 3.2% |
| Clark County | 30 | 29 | 0 | 0.0% |
| Eau Claire County | 29 | 27 | 1 | 3.4% |
| Monroe County | 25 | 21 | 1 | 4.0% |
| Buffalo County | 10 | 9 | 1 | 10.0% |
| Barron County | 4 | 3 | 0 | 0.0% |
| Juneau County | 3 | 3 | 0 | 0.0% |
| Chippewa County | 3 | 3 | 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: 413 applications in 2025, of which 374 were originated and 13 denied.
3.2% of all applications, or 3.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans CO-OP Credit Union originated in Wisconsin in 2025 was 6.55%, against a statewide median of 6.63%.
About this data. Figures are CO-OP 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