Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in La Crosse, WI-MN
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
La Crosse, WI-MN HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 84 | 12% |
| 20% to 29% | 194 | 9% |
| 30% to 35% | 152 | 7% |
| 36% to 42% | 147 | 5% |
| 43% to 49% | 133 | 10% |
If you were denied a HELOC in La Crosse, WI-MN
5 of the six major home equity investment providers list Wisconsin, Minnesota as a service area: CHEIFS, Hometap, Point, Unison, Unlock. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 6.12% at today’s prime rate.
Other metro areas in Wisconsin
Milwaukee, WI (25%) · Green Bay, WI (19%) · Madison, WI (15%) · Eau Claire, WI (16%) · Fond du Lac, WI (20%) · Janesville, WI (20%) · All 358 metro areas
Questions
What is the HELOC denial rate in La Crosse, WI-MN?
Lenders denied 13.5% of the 795 HELOC applications they decided in the La Crosse-Onalaska, WI-MN metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in La Crosse, WI-MN?
The most common first reason lenders gave was debt-to-income ratio (40% of denials with a reason reported).
What is a typical HELOC rate in La Crosse, WI-MN?
The median starting rate on HELOCs opened in the La Crosse-Onalaska, WI-MN area in 2025 was 6.49%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 6.12%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
HEI Calculator
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HEI Compare
Point, Hometap, Unlock, Unison, Splitero and CHEIFS side by side, with reviews and head-to-heads.
HEI Offers
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