Kohler Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
53rd9.0% deniedPricingmedian rate spread over APOR, weight 30%
62nd0.18 ptsProcesswithdrawn + incomplete share, weight 15%
39th14.0%Closing coststotal loan costs ÷ loan amount, weight 10%
34th2.35% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 619 | 423 | 9.7% | 12.4% | 7.13% | $61M |
| 2024 | 711 | 501 | 12.9% | 15.5% | 7.38% | $75M |
| 2025 | 916 | 713 | 7.8% | 9.0% | 7.00% | $128M |
What Kohler Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 350 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 53 investment properties.
Why Kohler Credit Union denies applications
Primary reason reported for each of the 71 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Kohler Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 109 | 70 | 22.0% |
| $50k – $100k | 329 | 254 | 9.3% |
| $100k – $150k | 215 | 169 | 7.1% |
| $150k – $250k | 179 | 153 | 3.2% |
| Over $250k | 45 | 36 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 22 | 18.5% |
| 25–34 | 141 | 107 | 12.3% |
| 35–44 | 218 | 173 | 6.0% |
| 45–54 | 205 | 161 | 7.4% |
| 55–64 | 174 | 137 | 7.4% |
| 65–74 | 101 | 72 | 13.3% |
| Over 74 | 29 | 23 | 8.0% |
Where Kohler Credit Union lends
3 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 902 | 713 | 6.4% | 7.00% | #56 |
Frequently asked questions
Kohler Credit Union denied 9.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 53rd percentile of small mortgage lenders.
The most common reason Kohler Credit Union gave in 2025 was "credit history", cited on 39.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Kohler Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 27% of its applications were for home purchases, 35% for refinancing (including cash-out), and 38% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.