University of Wisconsin Credit Union in Wisconsin vs the state
13.8%Denial rate-0.23 pts vs state
15.3%Decision denial rate-1.08 pts vs state
74.4%Origination rate+6.26 pts vs state
6.50%Median rate-0.13 pts vs state
-0.32Rate spread (pts)-0.44 pts vs state
$135kMedian applicant income
8,766Loans originated
1,623Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,166 | 7,976 | 11.2% | 4.99% | #2 |
| 2024 | 10,921 | 8,334 | 12.3% | 6.63% | #2 |
| 2025 | 11,781 | 8,766 | 13.8% | 6.50% | #2 |
What University of Wisconsin Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most University of Wisconsin Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 5,202 | 4,065 | 547 | 10.5% |
| Milwaukee County | 2,330 | 1,574 | 468 | 20.1% |
| Waukesha County | 1,057 | 805 | 114 | 10.8% |
| Rock County | 396 | 288 | 68 | 17.2% |
| Columbia County | 274 | 212 | 35 | 12.8% |
| Sauk County | 192 | 142 | 27 | 14.1% |
| Washington County | 185 | 140 | 25 | 13.5% |
| Ozaukee County | 180 | 134 | 23 | 12.8% |
| Jefferson County | 179 | 126 | 28 | 15.6% |
| Racine County | 143 | 108 | 25 | 17.5% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| 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% |
| Community First | A | 4,368 | 6.9% | 5.49% |
Frequently asked questions
Wisconsin: 11,781 applications in 2025, of which 8,766 were originated and 1,623 denied.
13.8% of all applications, or 15.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans University of Wisconsin Credit Union originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are University of Wisconsin 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