Credit Human Federal Credit Union in Wisconsin vs the state
67.3%Denial rate+53.28 pts vs state
67.9%Decision denial rate+51.56 pts vs state
15.9%Origination rate-52.26 pts vs state
8.40%Median rate+1.78 pts vs state
2.70Rate spread (pts)+2.58 pts vs state
$52kMedian applicant income
17Loans originated
72Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 17 | 78.8% | 7.90% | #178 |
| 2024 | 129 | 14 | 75.2% | 8.50% | #194 |
| 2025 | 107 | 17 | 67.3% | 8.40% | #247 |
What Credit Human Federal Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eau Claire County | 25 | 2 | 15 | 60.0% |
| Waupaca County | 10 | 1 | 6 | 60.0% |
| Racine County | 7 | 1 | 5 | 71.4% |
| Kenosha County | 7 | 3 | 4 | 57.1% |
| Fond du Lac County | 7 | 1 | 5 | 71.4% |
| St. Croix County | 5 | 2 | 1 | 20.0% |
| Walworth County | 5 | 1 | 4 | 80.0% |
| Dodge County | 4 | 1 | 2 | 50.0% |
| Brown County | 4 | 0 | 4 | 100.0% |
| Milwaukee County | 3 | 0 | 3 | 100.0% |
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: 107 applications in 2025, of which 17 were originated and 72 denied.
67.3% of all applications, or 67.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Credit Human Federal Credit Union originated in Wisconsin in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal 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