Educators Credit Union in Wisconsin vs the state
24.3%Denial rate+10.25 pts vs state
25.5%Decision denial rate+9.16 pts vs state
66.3%Origination rate-1.88 pts vs state
6.95%Median rate+0.33 pts vs state
-0.09Rate spread (pts)-0.21 pts vs state
$99kMedian applicant income
3,267Loans originated
1,196Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,036 | 3,314 | 25.5% | 6.75% | #5 |
| 2024 | 4,902 | 3,039 | 28.2% | 7.13% | #7 |
| 2025 | 4,930 | 3,267 | 24.3% | 6.95% | #7 |
What Educators Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Educators Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 1,865 | 1,094 | 587 | 31.5% |
| Racine County | 1,383 | 995 | 272 | 19.7% |
| Kenosha County | 584 | 399 | 128 | 21.9% |
| Waukesha County | 442 | 305 | 93 | 21.0% |
| Walworth County | 164 | 116 | 39 | 23.8% |
| Rock County | 157 | 109 | 33 | 21.0% |
| Washington County | 69 | 58 | 6 | 8.7% |
| Ozaukee County | 68 | 56 | 9 | 13.2% |
| Jefferson County | 22 | 12 | 9 | 40.9% |
| Dane County | 21 | 15 | 2 | 9.5% |
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% |
| 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% |
| Community First | A | 4,368 | 6.9% | 5.49% |
Frequently asked questions
Wisconsin: 4,930 applications in 2025, of which 3,267 were originated and 1,196 denied.
24.3% of all applications, or 25.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Educators Credit Union originated in Wisconsin in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are Educators 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