Lender in Wisconsin · HMDA 2025
Educators Credit Union mortgages in Wisconsin
Educators Credit Union's 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
Educators Credit Union originated 1,044 owner-occupied single-family loans in Wisconsin from 1,338 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $2,380 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.50% (Wisconsin: 6.625%).
Loans in WI
1,044
of 1,338 applications
Denial rate
2.5%
Purchase · WI 6.2%
Rate spread
−0.11 pts
Conv. · WI +0.12 pts
Loan amount
$235,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 694 | 601 | 2.5% | 6.500% | −0.11 pts | $2,380 | $235,000 |
| Refinance | 176 | 126 | 10.8% | 6.125% | −0.29 pts | $1,550 | $225,000 |
| Cash-out refinance | 468 | 317 | 14.3% | 6.500% | −0.20 pts | $1,570 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where Educators Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Racine County | 1 | 293 | 10.2% |
| Kenosha County | 4 | 121 | 5.6% |
| Milwaukee County | 6 | 353 | 3.6% |
| Walworth County | 10 | 33 | 2.4% |
| Rock County | 16 | 38 | 1.5% |
| Waukesha County | 18 | 108 | 1.7% |
| Ozaukee County | 20 | 19 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology