Valley Communities Credit Union in Wisconsin vs the state
18.4%Denial rate+4.41 pts vs state
20.4%Decision denial rate+4.00 pts vs state
72.0%Origination rate+3.89 pts vs state
6.08%Median rate-0.55 pts vs state
-0.11Rate spread (pts)-0.23 pts vs state
$101kMedian applicant income
219Loans originated
56Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 152 | 9.5% | 6.50% | #138 |
| 2024 | 235 | 170 | 14.9% | 6.52% | #124 |
| 2025 | 304 | 219 | 18.4% | 6.08% | #117 |
What Valley Communities Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Valley Communities Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 110 | 77 | 21 | 19.1% |
| Marathon County | 97 | 72 | 18 | 18.6% |
| Portage County | 56 | 43 | 10 | 17.9% |
| Clark County | 17 | 15 | 1 | 5.9% |
| Adams County | 7 | 3 | 1 | 14.3% |
| Waushara County | 4 | 1 | 3 | 75.0% |
| Chippewa County | 2 | 1 | 0 | 0.0% |
| Pierce County | 2 | 1 | 0 | 0.0% |
| Langlade County | 1 | 1 | 0 | 0.0% |
| Oneida County | 1 | 0 | 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: 304 applications in 2025, of which 219 were originated and 56 denied.
18.4% of all applications, or 20.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Valley Communities Credit Union originated in Wisconsin in 2025 was 6.08%, against a statewide median of 6.63%.
About this data. Figures are Valley Communities 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