WESTCONSIN Credit Union in Wisconsin vs the state
13.0%Denial rate-1.05 pts vs state
15.3%Decision denial rate-1.06 pts vs state
69.9%Origination rate+1.70 pts vs state
7.50%Median rate+0.88 pts vs state
0.45Rate spread (pts)+0.33 pts vs state
$100kMedian applicant income
1,374Loans originated
255Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,835 | 1,128 | 19.7% | 7.50% | #23 |
| 2024 | 1,868 | 1,167 | 16.9% | 8.13% | #24 |
| 2025 | 1,967 | 1,374 | 13.0% | 7.50% | #26 |
What WESTCONSIN Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most WESTCONSIN Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Croix County | 437 | 317 | 46 | 10.5% |
| Dunn County | 285 | 197 | 36 | 12.6% |
| Pierce County | 230 | 163 | 25 | 10.9% |
| Barron County | 227 | 161 | 34 | 15.0% |
| Eau Claire County | 225 | 162 | 24 | 10.7% |
| Chippewa County | 175 | 119 | 20 | 11.4% |
| Polk County | 175 | 123 | 27 | 15.4% |
| Pepin County | 35 | 28 | 2 | 5.7% |
| Rusk County | 33 | 17 | 9 | 27.3% |
| Washburn County | 31 | 22 | 6 | 19.4% |
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: 1,967 applications in 2025, of which 1,374 were originated and 255 denied.
13.0% 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 WESTCONSIN Credit Union originated in Wisconsin in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are WESTCONSIN 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