Empeople Credit Union in Wisconsin vs the state
20.1%Denial rate+6.09 pts vs state
24.1%Decision denial rate+7.78 pts vs state
63.2%Origination rate-4.99 pts vs state
6.38%Median rate-0.25 pts vs state
-0.44Rate spread (pts)-0.56 pts vs state
$104kMedian applicant income
132Loans originated
42Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 65 | 15.6% | 6.75% | #226 |
| 2024 | 100 | 68 | 11.0% | 6.81% | #233 |
| 2025 | 209 | 132 | 20.1% | 6.38% | #156 |
What Empeople Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dodge County | 100 | 66 | 20 | 20.0% |
| Fond du Lac County | 21 | 14 | 3 | 14.3% |
| Grant County | 16 | 13 | 1 | 6.3% |
| Washington County | 13 | 7 | 2 | 15.4% |
| Lafayette County | 6 | 3 | 2 | 33.3% |
| Green Lake County | 6 | 1 | 3 | 50.0% |
| Dane County | 5 | 3 | 1 | 20.0% |
| Waukesha County | 5 | 4 | 1 | 20.0% |
| Columbia County | 4 | 2 | 1 | 25.0% |
| Calumet County | 3 | 1 | 1 | 33.3% |
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: 209 applications in 2025, of which 132 were originated and 42 denied.
20.1% of all applications, or 24.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Empeople Credit Union originated in Wisconsin in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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