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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in La Crosse County, Wisconsin

Fat Boy Data analyzed home improvement loan activity in La Crosse County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,141 applications were decided by 58 lenders between 2023 and 2025.

La Crosse County at a glance

58Active lenders8 with 20+ decisions
89.8%Market approval rate1,024 of 1,141 decided
$45KTypical loanmedian lender, $10K brackets
95%Borrower take-up976 loans funded

How La Crosse County compares

Approval rate compared
La Crosse County89.8%Wisconsin79.1%All 616 counties62.7%
Typical loan compared
La Crosse County$45KWisconsin$65KAll 616 counties$75K

What the data shows

ALTRA Federal Credit Union made the most home improvement loans in La Crosse County, WI, 616 of them.

That is 63% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Governmental Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 98% of 64.

Lenders approved 89.8% of home improvement loan applications in La Crosse County, WI, 10.7 percentage points above the Wisconsin rate of 79.1%.

The typical home improvement loan here is $45K, 31% smaller than the Wisconsin typical of $65K.

Only 2 lenders here typically write at or below $35K: Park Bank, National Association, Governmental Employees Credit Union.

Approval rate of all 8 lenders with 20+ decisions here
0%25%50%75%100%BMO Bank National Association: 52% approved of 33Associated Bank, National Association: 68% approved of 63U.S. Bank National Association: 78% approved of 23Park Bank, National Association: 94% approved of 32Verve, A Credit Union: 94% approved of 50ALTRA Federal Credit Union: 94% approved of 680Merchants Bank, National Association: 94% approved of 36Governmental Employees Credit Union: 98% approved of 64

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in La Crosse County

LenderApprovalApprovedTaken upTypical loanLoans made
1ALTRA Federal Credit Union94%642 / 68096%$45K616
2Governmental Employees Credit Union98%63 / 64100%$35K63
3Associated Bank, National Association68%43 / 6393%$55K40
4Verve, A Credit Union94%47 / 5091%$55K43
5Merchants Bank, National Association94%34 / 36100%$45K34

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 53 more lenders.

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You are seeing the 5 largest home improvement loan lenders in La Crosse County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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