CO-OP Credit Union
CO-OP Credit Union received 418 applications in 2025 and made 379 mortgages, in 32 counties across 3 states. The median rate its borrowers got was 6.550% on a median loan of $145,000. Of 392 decisions, 13 were denials — 3.3%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300HZKPV04SFK9K27 |
|---|---|
| Applications received | 418 |
| Mortgages made | 379 |
| Denied | 13 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.5085 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 | 145 | 6.550% | $175,000 | 2.0% |
| Refinancing | 71 | 6.550% | $115,000 | 1.4% |
| Cash-out refinancing | 83 | 6.550% | $135,000 | 7.8% |
| Other purposes | 80 | 6.500% | $155,000 | 2.4% |
Where CO-OP Credit Union lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jackson County, WI | 175 | 6.550% | 2.2% |
| Trempealeau County, WI | 53 | 6.550% | 7.0% |
| La Crosse County, WI | 30 | 6.500% | 3.2% |
| Clark County, WI | 29 | 6.550% | 0.0% |
| Eau Claire County, WI | 27 | 6.650% | 3.6% |
| Monroe County, WI | 21 | 6.500% | 4.6% |
| Buffalo County, WI | 9 | Under 10 loans | 10.0% |
| Barron County, WI | 3 | Under 10 loans | 0.0% |
| Chippewa County, WI | 3 | Under 10 loans | 0.0% |
| Juneau County, WI | 3 | Under 10 loans | 0.0% |
| Rusk County, WI | 3 | Under 10 loans | 0.0% |
| Sawyer County, WI | 2 | Under 10 loans | 0.0% |
| Wood County, WI | 2 | Under 10 loans | 0.0% |
| Clayton County, IA | 1 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Bayfield County, WI | 1 | Under 10 loans | 0.0% |
| Dunn County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Iowa County, WI | 1 | Under 10 loans | 0.0% |
| Iron County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Richland County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 0 | Under 10 loans | Not published |
| Winnebago County, WI | 0 | Under 10 loans | Not published |
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When CO-OP Credit Union’s figures are published for the next year, or restated.
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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.