PCM Credit Union in Wisconsin vs the state
3.1%Denial rate-10.92 pts vs state
3.3%Decision denial rate-13.03 pts vs state
89.5%Origination rate+21.33 pts vs state
5.99%Median rate-0.63 pts vs state
-0.54Rate spread (pts)-0.66 pts vs state
$103kMedian applicant income
434Loans originated
15Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 448 | 373 | 2.7% | 5.99% | #85 |
| 2024 | 382 | 310 | 4.2% | 6.63% | #97 |
| 2025 | 485 | 434 | 3.1% | 5.99% | #91 |
What PCM Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most PCM Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 259 | 232 | 8 | 3.1% |
| Marinette County | 66 | 58 | 4 | 6.1% |
| Oconto County | 65 | 63 | 0 | 0.0% |
| Outagamie County | 25 | 24 | 0 | 0.0% |
| Manitowoc County | 11 | 8 | 0 | 0.0% |
| Shawano County | 10 | 9 | 0 | 0.0% |
| Kewaunee County | 9 | 6 | 0 | 0.0% |
| Winnebago County | 6 | 4 | 2 | 33.3% |
| Waukesha County | 5 | 5 | 0 | 0.0% |
| Calumet County | 4 | 3 | 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: 485 applications in 2025, of which 434 were originated and 15 denied.
3.1% of all applications, or 3.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans PCM Credit Union originated in Wisconsin in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are PCM 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