Novation Credit Union in Wisconsin vs the state
6.7%Denial rate-7.34 pts vs state
7.1%Decision denial rate-9.22 pts vs state
86.7%Origination rate+18.52 pts vs state
6.49%Median rate-0.13 pts vs state
0.25Rate spread (pts)+0.13 pts vs state
$142kMedian applicant income
13Loans originated
1Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 11 | 15.4% | 6.49% | #441 |
| 2024 | 23 | 16 | 13.0% | 6.75% | #398 |
| 2025 | 15 | 13 | 6.7% | 6.49% | #446 |
What Novation Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Novation Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Croix County | 6 | 6 | 0 | 0.0% |
| Polk County | 4 | 4 | 0 | 0.0% |
| Vernon County | 1 | 1 | 0 | 0.0% |
| Trempealeau County | 1 | 1 | 0 | 0.0% |
| Dunn 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: 15 applications in 2025, of which 13 were originated and 1 denied.
6.7% of all applications, or 7.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Novation Credit Union originated in Wisconsin in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Novation 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