1st Community Credit Union
1st Community Credit Union received 218 applications in 2025 and made 130 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $155,000. Of 212 decisions, 41 were denials — 19.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493006FUC5WGWNUXC12 |
|---|---|
| Applications received | 218 |
| Mortgages made | 130 |
| Denied | 41 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.492 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 | 40 | 6.874% | $175,000 | 14.1% |
| Refinancing | 30 | 6.495% | $90,000 | 17.1% |
| Cash-out refinancing | 50 | 6.500% | $175,000 | 25.3% |
| Other purposes | 10 | 6.115% | $65,000 | 21.4% |
Where 1st Community Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, WI | 82 | 6.562% | 18.8% |
| La Crosse County, WI | 23 | 7.124% | 25.6% |
| Jackson County, WI | 9 | Under 10 loans | 0.0% |
| Juneau County, WI | 6 | Under 10 loans | 9.1% |
| Vernon County, WI | 4 | Under 10 loans | 20.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Iowa County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 50.0% |
| Milwaukee County, WI | 0 | Under 10 loans | 0.0% |
| Price County, WI | 0 | Under 10 loans | 100.0% |
| Richland County, WI | 0 | Under 10 loans | 100.0% |
| Trempealeau County, WI | 0 | Under 10 loans | 0.0% |
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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.