Largest lenders in Vernon County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | ALTRA Federal Credit Union | B | 99 | 87 | 4.0% | 6.55% |
| 2 | Westby Co-op Credit Union | B | 95 | 80 | 2.1% | 7.13% |
| 3 | Citizens First Bank | A | 53 | 46 | 1.9% | — |
| 4 | Royal Bank | C | 48 | 39 | 8.3% | 6.75% |
| 5 | Associated Bank | B | 35 | 20 | 31.4% | 6.75% |
| 6 | Bank of Ontario | – | 35 | 33 | 5.7% | — |
| 7 | One Community Bank | B | 30 | 30 | 0.0% | 7.50% |
| 8 | Compeer Financial, Flca | C | 27 | 19 | 7.4% | 7.25% |
| 9 | Rocket Mortgage | C | 25 | 18 | 28.0% | 6.99% |
| 10 | Marine Credit Union | F | 19 | 10 | 36.8% | 8.11% |
| 11 | River Bank | – | 16 | 11 | 6.3% | — |
| 12 | Summit Credit Union | A | 15 | 13 | 0.0% | 6.44% |
| 13 | University of Wisconsin Credit Union | A | 15 | 8 | 13.3% | 5.63% |
| 14 | Spring Eq | D | 13 | 5 | 15.4% | 8.15% |
| 15 | Broker Solutions | D | 13 | 3 | 23.1% | 7.25% |
| 16 | Servion | B | 12 | 11 | 0.0% | 6.63% |
| 17 | AmeriSave Mortgage | D | 11 | 1 | 90.9% | 6.88% |
| 18 | Mortgage Research Center | C | 11 | 4 | 27.3% | 6.25% |
| 19 | Bank First | A | 11 | 10 | 0.0% | 8.06% |
| 20 | Peoples State Bank | B | 11 | 9 | 9.1% | — |
| 21 | DAS Acquisition Company | B | 10 | 6 | 0.0% | 6.62% |
| 22 | Crosscountry Mortgage | B | 10 | 7 | 0.0% | 6.83% |
| 23 | Citizens State Bank of La Crosse | A | 10 | 10 | 0.0% | 7.25% |
| 24 | Fairway Independent Mortgage | B | 9 | 5 | 0.0% | 6.49% |
| 25 | Freedom Mortgage | B | 9 | 0 | 11.1% | — |
Best approval odds in Vernon County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Westby Co-op Credit Union | 82 | 2.4% |
| 2 | ALTRA Federal Credit Union | 94 | 4.3% |
What Vernon County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Vernon County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 663 | 477 | 11.3% | 6.88% | $125,000 |
| 2024 | 719 | 522 | 10.6% | 7.00% | $125,000 |
| 2025 | 870 | 620 | 11.8% | 6.75% | $145,000 |
Frequently asked questions
11.8% of applications in Vernon County were denied in 2025, against 14.0% statewide in Wisconsin.
ALTRA Federal Credit Union, with 99 applications in 2025 and a denial rate of 4.0%.
The median mortgage application in Vernon County in 2025 was for $145,000; the median property value on originated loans was $285,000.