UNITEDONE Credit Union
UNITEDONE Credit Union received 463 applications in 2025 and made 330 mortgages, in 23 counties across 1 state. The median rate its borrowers got was 6.000% on a median loan of $85,000. Of 407 decisions, 56 were denials — 13.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493009ULL1JFIC1C287 |
|---|---|
| Applications received | 463 |
| Mortgages made | 330 |
| Denied | 56 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.083 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 | 83 | 6.000% | $225,000 | 17.0% |
| Refinancing | 125 | 6.250% | $95,000 | 10.4% |
| Other purposes | 122 | 6.000% | $35,000 | 14.6% |
Where UNITEDONE Credit Union lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Manitowoc County, WI | 218 | 6.000% | 11.4% |
| Sheboygan County, WI | 87 | 6.000% | 16.5% |
| Brown County, WI | 3 | Under 10 loans | 20.0% |
| Calumet County, WI | 2 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 2 | Under 10 loans | 50.0% |
| Marinette County, WI | 2 | Under 10 loans | 0.0% |
| Outagamie County, WI | 2 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 2 | Under 10 loans | 0.0% |
| Waukesha County, WI | 2 | Under 10 loans | 0.0% |
| Forest County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Kewaunee County, WI | 1 | Under 10 loans | 0.0% |
| Lincoln County, WI | 1 | Under 10 loans | 0.0% |
| Shawano County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, WI | 1 | Under 10 loans | 66.7% |
| Ashland County, WI | 0 | Under 10 loans | 100.0% |
| Door County, WI | 0 | Under 10 loans | 100.0% |
| Milwaukee County, WI | 0 | Under 10 loans | 100.0% |
| Oconto County, WI | 0 | Under 10 loans | Not published |
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When UNITEDONE 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.