Verve, a Credit Union in Wisconsin vs the state
8.1%Denial rate-5.91 pts vs state
9.5%Decision denial rate-6.91 pts vs state
75.1%Origination rate+6.90 pts vs state
6.50%Median rate-0.13 pts vs state
-0.44Rate spread (pts)-0.56 pts vs state
$102kMedian applicant income
695Loans originated
75Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 811 | 535 | 15.3% | 7.50% | #48 |
| 2024 | 934 | 658 | 11.8% | 7.50% | #48 |
| 2025 | 926 | 695 | 8.1% | 6.50% | #52 |
What Verve, a Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Verve, a Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 381 | 301 | 30 | 7.9% |
| Fond du Lac County | 205 | 156 | 20 | 9.8% |
| La Crosse County | 60 | 43 | 2 | 3.3% |
| Calumet County | 58 | 41 | 6 | 10.3% |
| Outagamie County | 58 | 48 | 3 | 5.2% |
| Waushara County | 19 | 14 | 3 | 15.8% |
| Brown County | 18 | 14 | 1 | 5.6% |
| Green Lake County | 17 | 10 | 0 | 0.0% |
| Milwaukee County | 17 | 13 | 0 | 0.0% |
| Manitowoc County | 14 | 9 | 3 | 21.4% |
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: 926 applications in 2025, of which 695 were originated and 75 denied.
8.1% of all applications, or 9.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Verve, a Credit Union originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Verve, a 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