UNITEDONE Credit Union in Wisconsin vs the state
12.1%Denial rate-1.91 pts vs state
13.8%Decision denial rate-2.60 pts vs state
71.3%Origination rate+3.12 pts vs state
6.00%Median rate-0.63 pts vs state
0.08Rate spread (pts)-0.04 pts vs state
$90kMedian applicant income
330Loans originated
56Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 421 | 297 | 9.7% | 6.20% | #87 |
| 2024 | 474 | 326 | 13.9% | 6.50% | #86 |
| 2025 | 463 | 330 | 12.1% | 6.00% | #93 |
What UNITEDONE Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most UNITEDONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Manitowoc County | 289 | 218 | 30 | 10.4% |
| Sheboygan County | 132 | 87 | 18 | 13.6% |
| Brown County | 7 | 3 | 1 | 14.3% |
| Milwaukee County | 4 | 0 | 1 | 25.0% |
| Fond du Lac County | 4 | 2 | 2 | 50.0% |
| Outagamie County | 3 | 2 | 0 | 0.0% |
| Winnebago County | 3 | 1 | 2 | 66.7% |
| Waupaca County | 2 | 1 | 0 | 0.0% |
| Calumet County | 2 | 2 | 0 | 0.0% |
| Marinette County | 2 | 2 | 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: 463 applications in 2025, of which 330 were originated and 56 denied.
12.1% of all applications, or 13.8% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans UNITEDONE Credit Union originated in Wisconsin in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are UNITEDONE 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