Guardian Credit Union in Wisconsin vs the state
14.1%Denial rate+0.08 pts vs state
17.5%Decision denial rate+1.14 pts vs state
65.8%Origination rate-2.38 pts vs state
6.63%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.22 pts vs state
$101kMedian applicant income
98Loans originated
21Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 270 | 171 | 14.1% | — | #108 |
| 2024 | 136 | 95 | 10.3% | — | #184 |
| 2025 | 149 | 98 | 14.1% | 6.63% | #205 |
What Guardian Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Guardian Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 86 | 51 | 15 | 17.4% |
| Waukesha County | 33 | 22 | 4 | 12.1% |
| Racine County | 11 | 10 | 0 | 0.0% |
| Washington County | 6 | 5 | 0 | 0.0% |
| Marinette County | 2 | 2 | 0 | 0.0% |
| Dodge County | 2 | 1 | 1 | 50.0% |
| Vilas County | 2 | 1 | 0 | 0.0% |
| Waushara County | 1 | 1 | 0 | 0.0% |
| Kenosha County | 1 | 0 | 1 | 100.0% |
| Shawano County | 1 | 1 | 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: 149 applications in 2025, of which 98 were originated and 21 denied.
14.1% of all applications, or 17.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Guardian Credit Union originated in Wisconsin in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guardian 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