Shoreline 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 C 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%
46th10.7% deniedPricingmedian rate spread over APOR, weight 30%
25th0.58 ptsProcesswithdrawn + incomplete share, weight 15%
38th14.2%Closing coststotal loan costs ÷ loan amount, weight 10%
86th0.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 143 | 115 | 9.1% | 10.0% | 6.75% | $12M |
| 2024 | 165 | 112 | 13.3% | 16.1% | 7.13% | $13M |
| 2025 | 197 | 148 | 9.1% | 10.7% | 6.68% | $23M |
What Shoreline 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: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 46 investment properties.
Why Shoreline Credit Union denies applications
Primary reason reported for each of the 18 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Shoreline 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 | 25 | 10 | 42.1% |
| $50k – $100k | 73 | 52 | 8.6% |
| $100k – $150k | 39 | 28 | 12.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 16 | 23.8% |
| 35–44 | 33 | 24 | 7.4% |
| 45–54 | 26 | 20 | 16.7% |
| 55–64 | 44 | 33 | 8.3% |
Where Shoreline Credit Union lends
1 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 197 | 148 | 9.1% | 6.68% | #161 |
Frequently asked questions
Shoreline Credit Union denied 10.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
The most common reason Shoreline Credit Union gave in 2025 was "debt-to-income ratio", cited on 38.9% 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 Shoreline Credit Union originated in 2025 was 6.68%, and its median rate spread over the average prime offer rate was 0.58 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 64% for refinancing (including cash-out), and 11% 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.