Superior Choice Credit Union
Superior Choice Credit Union received 574 applications in 2025 and made 386 mortgages, in 27 counties across 4 states. The median rate its borrowers got was 5.875% on a median loan of $85,000. Of 513 decisions, 114 were denials — 22.2%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008BSTI0PQR0IL08 |
|---|---|
| Applications received | 574 |
| Mortgages made | 386 |
| Denied | 114 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 61 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.05 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 | 94 | 5.813% | $170,000 | 12.3% |
| Refinancing | 52 | 6.438% | $115,000 | 11.7% |
| Cash-out refinancing | 44 | 6.063% | $105,000 | 23.3% |
| Other purposes | 196 | 5.750% | $55,000 | 28.3% |
Where Superior Choice Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, WI | 165 | 5.875% | 18.0% |
| Bayfield County, WI | 44 | 5.688% | 21.4% |
| St. Louis County, MN | 41 | 6.000% | 14.3% |
| Ashland County, WI | 36 | 6.000% | 30.2% |
| Sawyer County, WI | 30 | 5.625% | 24.4% |
| Washburn County, WI | 15 | 6.375% | 25.0% |
| Rusk County, WI | 13 | 6.500% | 27.8% |
| Carlton County, MN | 6 | Under 10 loans | 0.0% |
| Barron County, WI | 6 | Under 10 loans | 25.0% |
| Eau Claire County, WI | 5 | Under 10 loans | 0.0% |
| Chippewa County, WI | 4 | Under 10 loans | 20.0% |
| Itasca County, MN | 3 | Under 10 loans | 70.0% |
| Burnett County, WI | 3 | Under 10 loans | 0.0% |
| Taylor County, WI | 3 | Under 10 loans | 33.3% |
| Dakota County, MN | 2 | Under 10 loans | 33.3% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 50.0% |
| Iron County, WI | 1 | Under 10 loans | 0.0% |
| Jackson County, WI | 1 | Under 10 loans | 0.0% |
| Price County, WI | 1 | Under 10 loans | 50.0% |
| St. Croix County, WI | 1 | Under 10 loans | 66.7% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 0 | Under 10 loans | 100.0% |
| Albany County, NY | 0 | Under 10 loans | 100.0% |
| Jefferson County, WI | 0 | Under 10 loans | 100.0% |
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When Superior Choice 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.