Westby Co-op Credit Union
Westby Co-op Credit Union received 506 applications in 2025 and made 383 mortgages, in 25 counties across 1 state. The median rate its borrowers got was 7.125% on a median loan of $95,000. Of 401 decisions, 16 were denials — 4.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 894500PCG3NCYFXK0D60 |
|---|---|
| Applications received | 506 |
| Mortgages made | 383 |
| Denied | 16 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 105 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.603 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 | 105 | 6.625% | $185,000 | 2.8% |
| Refinancing | 29 | 7.000% | $285,000 | 3.2% |
| Cash-out refinancing | 247 | 7.500% | $65,000 | 4.6% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Westby Co-op Credit Union lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sauk County, WI | 144 | 7.188% | 2.7% |
| Vernon County, WI | 80 | 7.125% | 2.4% |
| Richland County, WI | 51 | 7.010% | 5.6% |
| Juneau County, WI | 24 | 7.188% | 11.1% |
| Adams County, WI | 19 | 7.250% | 0.0% |
| Columbia County, WI | 12 | 6.750% | 7.7% |
| Crawford County, WI | 11 | 7.010% | 8.3% |
| Monroe County, WI | 11 | 7.125% | 0.0% |
| Marquette County, WI | 8 | Under 10 loans | 0.0% |
| Grant County, WI | 5 | Under 10 loans | 0.0% |
| Iowa County, WI | 3 | Under 10 loans | 25.0% |
| La Crosse County, WI | 3 | Under 10 loans | 25.0% |
| Dane County, WI | 2 | Under 10 loans | 0.0% |
| Ashland County, WI | 1 | Under 10 loans | 0.0% |
| Bayfield County, WI | 1 | Under 10 loans | 0.0% |
| Buffalo County, WI | 1 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Wood County, WI | 1 | Under 10 loans | 0.0% |
| Dunn County, WI | 0 | Under 10 loans | Not published |
| Sawyer County, WI | 0 | Under 10 loans | Not published |
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When Westby 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.