Lenders › Shoreline Credit Union › Wisconsin
Shoreline 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.
Shoreline Credit Union's 2024 HMDA record for Wisconsin covers 160 applications, 112 of them originated, worth $13m.
Its denial rate in the state was 14.8%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 16.1%.
The median rate spread on its Wisconsin originations was 0.9 percentage points (state median 0.2).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Shoreline Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.8% | 17.1% | 16.1% | 24.3% |
| Median rate spread, pp | 0.9 | 0.2 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.1% | 11.0% | 22.1% | 15.6% |
| Average originated loan | $112k | $223k | $112k | $329k |
| Home purchase share | 16.1% | 46.3% | 16.1% | 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 16% (18)Home improvement 24% (27)Refinancing 29% (32)Cash-out refinancing 30% (34)Other purpose 1% (1)
By type
Conventional 100% (112)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Manitowoc County | 135 | 93 | $9.0m | 15.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Shoreline Credit Union originate in Wisconsin in 2024?
112 loans totalling $13m, from 160 applications reported for properties in Wisconsin.
What is Shoreline Credit Union's denial rate in Wisconsin?
14.8% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 16.1% 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 Shoreline Credit Union lend in most?
By originations: Manitowoc County (93).
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.