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Uw Credit Union in Wisconsin

HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview

LEI 254900CN1DD55MJDFH69
Reporting agency National Credit Union Administration
State Wisconsin

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Uw Credit Union's 2024 HMDA record for Wisconsin covers 10,921 applications, 8,334 of them originated, worth $1.3bn.

Its denial rate in the state was 13.5%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 13.6%.

The median rate spread on its Wisconsin originations was -0.1 percentage points (state median 0.2).

Applications in the state were up 7% on 2023.

10,921applications in WI, 202498.0% of the lender's total
8,334loans originated$1.3bn
13.5%denial rateWI all lenders 17.1%
-0.1 ppmedian rate spreadWI 0.2 pp

Compared with the state and the lender's national record

MeasureIn WisconsinWisconsin, all lendersUw Credit Union, all statesUnited States
Denial rate13.5%17.1%13.6%24.3%
Median rate spread, pp-0.10.2-0.10.3
Originations with spread of 1.5 pp or more1.3%11.0%1.3%15.6%
Average originated loan$161k$223k$162k$329k
Home purchase share25.1%46.3%25.4%57.0%
FHA-insured share0.2%5.6%0.2%13.4%
VA-guaranteed share0.1%4.3%0.1%7.9%

Trend by year

ApplicationsOriginations

06603.513,2072022: 13,207 Applications2023: 10,166 Applications2024: 10,921 Applications2022: 10,677 Originations2023: 7,976 Originations2024: 8,334 Originations202220232024
Uw Credit Union in Wisconsin: applications and originations, 2022–2024

This lender in stateWisconsin, all lenders

0%8.6%17.1%2022: 8.9% This lender in state2023: 12.1% This lender in state2024: 13.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Wisconsin

By purpose

Home purchase 25% (2,094)Home improvement 23% (1,908)Refinancing 29% (2,418)Cash-out refinancing 3% (231)Other purpose 20% (1,683)

By type

Conventional 100% (8,314)FHA 0% (14)VA 0% (6)

Denial reasons as coded

Debt-to-income ratio36.2%
Credit history29.3%
Other15.2%
Collateral15%
Unverifiable information2.2%
Credit application incomplete1.3%
Employment history0.5%
Insufficient cash (downpayment, closing costs)0.2%
Mortgage insurance denied0%

Share of 1,338 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).

Counties in Wisconsin

CountyApplicationsOriginationsAmountDenial rate
Dane County4,8603,884$694m10.0%
Milwaukee County2,1581,538$198m18.9%
Waukesha County989767$140m12.7%
Rock County302225$32m16.6%
Columbia County250187$23m14.5%
Washington County186142$19m13.3%
Jefferson County175134$18m14.8%
Ozaukee County169128$23m11.3%
Sauk County163113$16m16.1%
Portage County135109$12m11.8%
Racine County146106$15m16.3%
Brown County10377$11m15.8%
Green County10773$12m22.4%
Dodge County12171$8.3m27.0%
Walworth County9068$9.1m13.8%
Iowa County8563$10m16.9%
Winnebago County7253$9.0m15.6%
Fond du Lac County6646$9.1m15.5%
Marathon County5540$5.8m10.9%
Sheboygan County5039$5.8m13.0%
Kenosha County4738$4.9m17.0%
Outagamie County4434$5.5m15.0%
La Crosse County4333$6.1m12.8%
Wood County4229$3.2m17.1%
Adams County2924$5.0m3.8%
Vilas County2721$4.7m16.0%
Oneida County2517$4.6m—
Juneau County2513$1.2m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Uw Credit Union originate in Wisconsin in 2024?

8,334 loans totalling $1.3bn, from 10,921 applications reported for properties in Wisconsin.

What is Uw Credit Union's denial rate in Wisconsin?

13.5% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 13.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Wisconsin counties does Uw Credit Union lend in most?

By originations: Dane County (3,884), Milwaukee County (1,538), Waukesha County (767), Rock County (225), Columbia County (187).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.