Lenders › Summit Credit Union › Wisconsin
Summit Credit Union in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
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.
In Wisconsin, Summit Credit Union reported 13,112 applications and 9,827 originations for 2024, $1.5bn in all.
Its denial rate in the state was 13.1%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 14.0%.
The median rate spread on its Wisconsin originations was -0.8 percentage points (state median 0.2).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Summit Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.1% | 17.1% | 14.0% | 24.3% |
| Median rate spread, pp | -0.8 | 0.2 | -0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.0% | 11.0% | 3.0% | 15.6% |
| Average originated loan | $153k | $223k | $154k | $329k |
| Home purchase share | 25.2% | 46.3% | 25.6% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 25% (2,478)Home improvement 17% (1,701)Refinancing 25% (2,426)Cash-out refinancing 10% (952)Other purpose 23% (2,270)
By type
Conventional 100% (9,827)
Denial reasons as coded
Share of 1,585 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Dane County | 4,370 | 3,455 | $598m | 9.8% |
| Waukesha County | 1,494 | 1,129 | $191m | 12.8% |
| Milwaukee County | 1,568 | 1,044 | $131m | 20.3% |
| Columbia County | 747 | 559 | $70m | 13.3% |
| Rock County | 670 | 515 | $62m | 13.4% |
| Sauk County | 533 | 414 | $55m | 11.2% |
| Jefferson County | 489 | 379 | $47m | 10.1% |
| Dodge County | 470 | 334 | $39m | 16.5% |
| Washington County | 357 | 279 | $45m | 11.7% |
| Racine County | 279 | 197 | $35m | 18.1% |
| Marquette County | 179 | 126 | $13m | 17.5% |
| Green County | 163 | 124 | $15m | 12.8% |
| Ozaukee County | 159 | 114 | $23m | 12.5% |
| Sheboygan County | 145 | 113 | $12m | 12.1% |
| Walworth County | 142 | 99 | $14m | 20.6% |
| Adams County | 119 | 82 | $11m | 16.2% |
| Kenosha County | 121 | 80 | $8.8m | 20.4% |
| Fond du Lac County | 107 | 78 | $12m | 12.1% |
| Iowa County | 92 | 67 | $11m | 11.9% |
| Brown County | 71 | 53 | $8.1m | 13.8% |
| Portage County | 64 | 51 | $7.2m | 5.2% |
| Juneau County | 75 | 50 | $10m | 17.6% |
| Marathon County | 64 | 43 | $5.3m | 13.0% |
| Vilas County | 56 | 38 | $9.3m | 10.4% |
| Outagamie County | 40 | 33 | $6.1m | 5.1% |
| Winnebago County | 40 | 26 | $4.7m | 9.1% |
| Waushara County | 34 | 24 | $4.2m | 18.8% |
| Oneida County | 32 | 24 | $5.0m | 0.0% |
| Manitowoc County | 32 | 24 | $3.3m | 20.0% |
| Wood County | 38 | 23 | $1.9m | 19.4% |
| Green Lake County | 33 | 22 | $3.4m | 16.7% |
| Richland County | 27 | 18 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Summit Credit Union originate in Wisconsin in 2024?
9,827 loans totalling $1.5bn, from 13,112 applications reported for properties in Wisconsin.
What is Summit Credit Union's denial rate in Wisconsin?
13.1% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 14.0% 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 Summit Credit Union lend in most?
By originations: Dane County (3,455), Waukesha County (1,129), Milwaukee County (1,044), Columbia County (559), Rock County (515).
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.