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Glacier Hills Credit Union

West Bend, WI

Glacier Hills Credit Union processed 208 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 161 loans with a 4.3% denial rate. Cash-out Refinancing was the primary loan purpose. Based in West Bend, WI. The approval rate of 77.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Glacier Hills Credit Union's 77.4% origination rate tells you how often an application turned into funded money; the 4.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Mortgage insurance denied, which together explain the majority of rejections. Most activity concentrated in Conventional loans (207 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

208
Applications
161
Originated
4.3%
Denial Rate
$126,731
Avg Loan Amount
Avg Interest Rate: 6.770% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 207 161 9 $126,401
FHA 1 0 0 $195,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Glacier Hills Credit Union (LEI: 254900O11S8JQGWU2U45) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
5
Debt-to-income ratio
5
Mortgage insurance denied
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Cash-out Refinancing 89 78 $116,798
Home Purchase 40 21 $215,000
Home Improvement 35 29 $66,429
Other 33 26 $89,242
Refinancing 11 7 $190,455

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 195 78.5% 4.6%
Joint * 6 83.3% 0.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 199 78.4% 4.5%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in WI

Other HMDA-reporting lenders in WI with similar activity. Compare any two side-by-side.

Fairway Independent Mort CORP

MADISON, WI

102,501 apps 74,401 originated 4.7% denied

Summit Credit Union

Cottage Grove, WI

15,990 apps 9,929 originated 10.9% denied

Uw Credit Union

MADISON, WI

11,177 apps 8,477 originated 12.3% denied

Associated Bank NA

Green Bay, WI

10,999 apps 6,532 originated 24.4% denied

Waterstone Mortgage Corporation

BROOKFIELD, WI

10,792 apps 7,819 originated 4.5% denied
Compare Glacier Hills Credit Union vs Fairway Independent Mort CORP →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Glacier Hills Credit Union process?
Glacier Hills Credit Union processed 208 mortgage applications in the 2024 HMDA reporting year. Of these, 161 were originated (approved and funded), 19 were withdrawn by the applicant, and 9 were denied.
What is Glacier Hills Credit Union's mortgage approval rate?
Glacier Hills Credit Union has an approval (origination) rate of 77.4%, meaning 77.4% of all applications resulted in a funded mortgage. The denial rate is 4.3%.
What is the average loan amount at Glacier Hills Credit Union?
The average mortgage loan amount at Glacier Hills Credit Union is $126,731. The average interest rate is 6.770%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at Glacier Hills Credit Union?
The most common reasons for mortgage denial at Glacier Hills Credit Union are: Credit history, Debt-to-income ratio, Mortgage insurance denied. In total, 9 applications were denied out of 208 total applications.
What types of mortgage loans does Glacier Hills Credit Union offer?
Glacier Hills Credit Union processes Conventional, FHA loans. The most common type is Conventional with 207 applications and an average loan amount of $126,401.
What loan purposes does Glacier Hills Credit Union serve?
Glacier Hills Credit Union serves the following loan purposes: Cash-out Refinancing (89 applications), Home Purchase (40 applications), Home Improvement (35 applications), Other (33 applications), Refinancing (11 applications). Cash-out Refinancing is the most common purpose.
Where is Glacier Hills Credit Union located?
Glacier Hills Credit Union is headquartered in West Bend, WI. The lender is identified by LEI 254900O11S8JQGWU2U45 in HMDA data.
How does Glacier Hills Credit Union compare in lending across racial demographics?
Glacier Hills Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 78.5% and denial rate of 4.6%; Joint applicants have an approval rate of 83.3% and denial rate of 0.0%; Native Hawaiian or Other Pacific Islander applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.