Summit Credit Union (Wisconsin) mortgage approval rate & lending review
Summit Credit Union (Wisconsin) decided 22,751 mortgage applications and funded 19,022 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Summit Credit Union (Wisconsin) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Summit Credit Union (Wisconsin) at a glance
Approval is 14.1 points above the 75.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 5,436 / 5,709 | 95% | $305K | 5,164 |
| Home improvement loans | 86% | 4,909 / 5,698 | 91% | $65K | 4,466 |
| Cash-out refinance | 84% | 1,626 / 1,938 | 94% | $155K | 1,532 |
| Refinance | 89% | 7,455 / 8,361 | 94% | $105K | 7,003 |
| Investment property purchase | 93% | 560 / 599 | 98% | $165K | 547 |
| Investment cash-out refinance | 80% | 81 / 101 | 88% | $185K | 71 |
| Investment refinance | 81% | 170 / 209 | 94% | $125K | 160 |
| Investment home improvement | 67% | 91 / 136 | 87% | $85K | 79 |
Summit Credit Union (Wisconsin) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 89% | $105K | 22,472 | 18,803 |
| Illinois | 85% | $215K | 122 | 91 |
| Florida | 85% | $285K | 55 | 42 |
| Minnesota | 96% | $345K | 47 | 43 |
| Arizona | 96% | $315K | 27 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Summit Credit Union (Wisconsin) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dane County, WI | Refinance | 92% | 4,336 | 3,740 |
| Dane County, WI | Mortgage lenders | 97% | 2,858 | 2,644 |
| Dane County, WI | Home improvement loans | 91% | 2,397 | 2,003 |
| Waukesha County, WI | Refinance | 90% | 1,530 | 1,307 |
| Milwaukee County, WI | Refinance | 82% | 1,081 | 815 |
| Waukesha County, WI | Home improvement loans | 90% | 991 | 813 |
| Dane County, WI | Cash-out refinance | 87% | 895 | 748 |
| Milwaukee County, WI | Home improvement loans | 75% | 1,096 | 711 |
| Waukesha County, WI | Mortgage lenders | 95% | 752 | 663 |
| Milwaukee County, WI | Mortgage lenders | 90% | 743 | 642 |
| Rock County, WI | Refinance | 87% | 503 | 421 |
| Rock County, WI | Mortgage lenders | 97% | 419 | 383 |
The county markets where Summit Credit Union (Wisconsin) made the most loans. Each link opens that market with every lender ranked.
Questions about Summit Credit Union (Wisconsin)
What is Summit Credit Union (Wisconsin)'s mortgage approval rate?
Summit Credit Union (Wisconsin) approved 89.3% of the 22,751 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.1 points above the 75.2% national rate for the same mix of loan types.
How often do borrowers take the loan Summit Credit Union (Wisconsin) offers?
Borrowers accepted 94% of the loans Summit Credit Union (Wisconsin) approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Summit Credit Union (Wisconsin) make?
The typical mortgage refinance loan Summit Credit Union (Wisconsin) made was $105K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Summit Credit Union (Wisconsin) lend?
Summit Credit Union (Wisconsin) decided applications in 11 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Florida.
Can I apply to Summit Credit Union (Wisconsin) directly?
Yes. Summit Credit Union (Wisconsin) is a bank or credit union with 81 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Summit Credit Union (Wisconsin)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Summit Credit Union (Wisconsin) treats applications, then get a rate quote from the lender.