Westby Co-op Credit Union in Wisconsin vs the state
3.2%Denial rate-10.85 pts vs state
4.0%Decision denial rate-12.37 pts vs state
75.7%Origination rate+7.54 pts vs state
7.13%Median rate+0.50 pts vs state
0.60Rate spread (pts)+0.48 pts vs state
$86kMedian applicant income
383Loans originated
16Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 585 | 494 | 2.7% | 7.13% | #68 |
| 2024 | 502 | 408 | 2.8% | 7.50% | #80 |
| 2025 | 506 | 383 | 3.2% | 7.13% | #84 |
What Westby Co-op Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Westby Co-op Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sauk County | 180 | 144 | 4 | 2.2% |
| Vernon County | 95 | 80 | 2 | 2.1% |
| Richland County | 68 | 51 | 3 | 4.4% |
| Juneau County | 36 | 24 | 3 | 8.3% |
| Adams County | 25 | 19 | 0 | 0.0% |
| Columbia County | 19 | 12 | 1 | 5.3% |
| Crawford County | 19 | 11 | 1 | 5.3% |
| Monroe County | 13 | 11 | 0 | 0.0% |
| Marquette County | 11 | 8 | 0 | 0.0% |
| Grant County | 10 | 5 | 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: 506 applications in 2025, of which 383 were originated and 16 denied.
3.2% of all applications, or 4.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Westby Co-op Credit Union originated in Wisconsin in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Westby Co-op 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