IDEAL Credit Union in Wisconsin vs the state
19.3%Denial rate+5.27 pts vs state
20.5%Decision denial rate+4.15 pts vs state
69.9%Origination rate+1.73 pts vs state
4.81%Median rate-1.82 pts vs state
-1.91Rate spread (pts)-2.03 pts vs state
$146kMedian applicant income
58Loans originated
16Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 48 | 9.0% | 6.54% | #271 |
| 2024 | 61 | 46 | 11.5% | 6.63% | #297 |
| 2025 | 83 | 58 | 19.3% | 4.81% | #275 |
What IDEAL Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most IDEAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Croix County | 38 | 26 | 9 | 23.7% |
| Polk County | 8 | 5 | 3 | 37.5% |
| Waukesha County | 6 | 4 | 0 | 0.0% |
| Pierce County | 6 | 5 | 0 | 0.0% |
| Burnett County | 5 | 3 | 2 | 40.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Barron County | 2 | 1 | 1 | 50.0% |
| Eau Claire County | 2 | 1 | 0 | 0.0% |
| Vilas County | 1 | 1 | 0 | 0.0% |
| Racine 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: 83 applications in 2025, of which 58 were originated and 16 denied.
19.3% of all applications, or 20.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans IDEAL Credit Union originated in Wisconsin in 2025 was 4.81%, against a statewide median of 6.63%.
About this data. Figures are IDEAL 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