A Midwestern work ethic and solid employment landscape are factors landing Wisconsin among best states in the country for credit scores.

The state, with a score of 710, ranks sixth in a LendEDU list of average credit scores released late last year. Minnesota leads the way at 722, while Mississippi brings up the rear with 648, according to the report.

Three of the top five states are in the Midwest.

“People are making their payments, so it’s not a surprise,” said Richard Phillipsen, vice president of commercial lending at Farmers State Bank of Waupaca. “People have been taking care of things, at least during these last few years when things have been really good.”

The LendEDU list mirrors a 2016 report from NerdWallet that ranked Minnesota and Wisconsin Nos. 1 and 2 for credit scores and placed Madison in the top slot in the country for metro areas with a median Vantage 3.0 score of 760.

Read more in the Stevens Point Journal.