VERVE, A CREDIT UNION
VERVE, A CREDIT UNION received 1,018 applications in 2025 and made 744 mortgages, in 53 counties across 4 states. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 858 decisions, 88 were denials — 10.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P6ZERWX5BPWX45 |
|---|---|
| Applications received | 1,018 |
| Mortgages made | 744 |
| Denied | 88 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 160 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.44 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 178 | 6.270% | $265,000 | 4.9% |
| Refinancing | 70 | 6.500% | $215,000 | 11.1% |
| Cash-out refinancing | 59 | 6.500% | $105,000 | 12.9% |
| Other purposes | 437 | 6.500% | $75,000 | 11.9% |
Where VERVE, A CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, WI | 301 | 6.500% | 8.9% |
| Fond du Lac County, WI | 156 | 6.500% | 11.2% |
| Outagamie County, WI | 48 | 6.500% | 5.5% |
| La Crosse County, WI | 43 | 6.500% | 4.2% |
| Cook County, IL | 41 | 6.500% | 22.2% |
| Calumet County, WI | 41 | 6.500% | 12.2% |
| Brown County, WI | 14 | 6.750% | 6.7% |
| Waushara County, WI | 14 | 6.750% | 16.7% |
| Milwaukee County, WI | 13 | 6.600% | 0.0% |
| Green Lake County, WI | 10 | 6.500% | 0.0% |
| Manitowoc County, WI | 9 | Under 10 loans | 25.0% |
| Dodge County, WI | 5 | Under 10 loans | 25.0% |
| Door County, WI | 4 | Under 10 loans | 0.0% |
| Monroe County, WI | 4 | Under 10 loans | 16.7% |
| Ozaukee County, WI | 4 | Under 10 loans | 0.0% |
| Waukesha County, WI | 3 | Under 10 loans | 0.0% |
| Houston County, MN | 2 | Under 10 loans | 0.0% |
| Lincoln County, WI | 2 | Under 10 loans | 0.0% |
| Marinette County, WI | 2 | Under 10 loans | 0.0% |
| Marquette County, WI | 2 | Under 10 loans | 0.0% |
| Oconto County, WI | 2 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 2 | Under 10 loans | 0.0% |
| Vernon County, WI | 2 | Under 10 loans | 33.3% |
| Waupaca County, WI | 2 | Under 10 loans | 33.3% |
| Coles County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Iron County, MI | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Forest County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 0 | Under 10 loans | 100.0% |
| Lake County, IL | 0 | Under 10 loans | Not published |
| Hennepin County, MN | 0 | Under 10 loans | 0.0% |
| Barron County, WI | 0 | Under 10 loans | 100.0% |
| Burnett County, WI | 0 | Under 10 loans | Not published |
| Crawford County, WI | 0 | Under 10 loans | 50.0% |
| Jackson County, WI | 0 | Under 10 loans | Not published |
| Menominee County, WI | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.