WESTCONSIN Credit Union
WESTCONSIN Credit Union received 2,047 applications in 2025 and made 1,435 mortgages, in 48 counties across 2 states. The median rate its borrowers got was 7.375% on a median loan of $105,000. Of 1,738 decisions, 264 were denials — 15.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900X6OAHFW6BUT219 |
|---|---|
| Applications received | 2,047 |
| Mortgages made | 1,435 |
| Denied | 264 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 309 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.4455 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 | 390 | 6.500% | $215,000 | 13.9% |
| Refinancing | 66 | 6.500% | $175,000 | 19.5% |
| Cash-out refinancing | 383 | 7.500% | $105,000 | 12.2% |
| Other purposes | 596 | 7.500% | $55,000 | 17.3% |
Where WESTCONSIN Credit Union lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Croix County, WI | 317 | 7.500% | 12.4% |
| Dunn County, WI | 197 | 7.500% | 14.9% |
| Pierce County, WI | 163 | 7.250% | 13.1% |
| Eau Claire County, WI | 162 | 7.500% | 12.5% |
| Barron County, WI | 161 | 7.250% | 17.2% |
| Polk County, WI | 123 | 7.250% | 17.8% |
| Chippewa County, WI | 119 | 7.375% | 13.9% |
| Pepin County, WI | 28 | 7.250% | 6.5% |
| Washburn County, WI | 22 | 7.000% | 21.4% |
| Washington County, MN | 18 | 7.500% | 10.0% |
| Rusk County, WI | 17 | 7.250% | 34.6% |
| Burnett County, WI | 14 | 7.063% | 17.7% |
| Sawyer County, WI | 11 | 7.000% | 31.3% |
| Goodhue County, MN | 9 | Under 10 loans | 10.0% |
| Buffalo County, WI | 9 | Under 10 loans | 44.4% |
| Dakota County, MN | 8 | Under 10 loans | 20.0% |
| Ramsey County, MN | 7 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 6 | Under 10 loans | 33.3% |
| Jackson County, WI | 5 | Under 10 loans | 0.0% |
| Chisago County, MN | 4 | Under 10 loans | 20.0% |
| Hennepin County, MN | 4 | Under 10 loans | 20.0% |
| Wabasha County, MN | 3 | Under 10 loans | 25.0% |
| Bayfield County, WI | 3 | Under 10 loans | 25.0% |
| Clark County, WI | 3 | Under 10 loans | 50.0% |
| Hubbard County, MN | 2 | Under 10 loans | 0.0% |
| La Crosse County, WI | 2 | Under 10 loans | 0.0% |
| Lafayette County, WI | 2 | Under 10 loans | 0.0% |
| Price County, WI | 2 | Under 10 loans | 0.0% |
| Taylor County, WI | 2 | Under 10 loans | 33.3% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Mower County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 50.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 0 | Under 10 loans | Not published |
| Douglas County, MN | 0 | Under 10 loans | Not published |
| Sibley County, MN | 0 | Under 10 loans | 100.0% |
| Oconto County, WI | 0 | Under 10 loans | 100.0% |
| Portage County, WI | 0 | Under 10 loans | Not published |
| Vernon County, WI | 0 | Under 10 loans | Not published |
| Wood County, WI | 0 | Under 10 loans | Not published |
Get told when this changes
When WESTCONSIN Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.