Lender in Wisconsin · HMDA 2025
Altra Federal Credit Union mortgages in Wisconsin
Altra Federal Credit Union's 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
Altra Federal Credit Union originated 604 owner-occupied single-family loans in Wisconsin from 629 completed applications.
Its median conventional purchase loan costs were $2,370 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.625% (Wisconsin: 6.625%).
Loans in WI
604
of 629 applications
Denial rate
0.9%
Purchase · WI 6.2%
Rate spread
+0.29 pts
Conv. · WI +0.12 pts
Loan amount
$255,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 429 | 420 | 0.9% | 6.625% | +0.29 pts | $2,370 | $255,000 |
| Refinance | 162 | 146 | 7.4% | 6.450% | +0.25 pts | $1,690 | $275,000 |
| Cash-out refinance | 38 | 38 | 0.0% | — | +0.63 pts | $2,030 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where Altra Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| La Crosse County | 1 | 423 | 27.6% |
| Trempealeau County | 1 | 46 | 13.9% |
| Jackson County | 2 | 13 | 4.7% |
| Vernon County | 3 | 32 | 9.8% |
| Buffalo County | 3 | 10 | 6.4% |
| Monroe County | 6 | 34 | 5.5% |
| Crawford County | 6 | 6 | 3.6% |
| Sawyer County | 20 | 2 | 1.1% |
| Iron County | 23 | 1 | 1.4% |
| Grant County | 24 | 4 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology