21st Mortgage in Wisconsin vs the state
56.7%Denial rate+42.69 pts vs state
74.7%Decision denial rate+58.34 pts vs state
18.8%Origination rate-49.34 pts vs state
11.00%Median rate+4.38 pts vs state
5.68Rate spread (pts)+5.56 pts vs state
$58kMedian applicant income
146Loans originated
440Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 679 | 108 | 50.2% | 10.74% | #54 |
| 2024 | 790 | 138 | 51.8% | 10.56% | #57 |
| 2025 | 776 | 146 | 56.7% | 11.00% | #65 |
What 21st Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 56 | 2 | 37 | 66.1% |
| Sauk County | 55 | 12 | 27 | 49.1% |
| Kenosha County | 34 | 5 | 18 | 52.9% |
| Marathon County | 33 | 4 | 22 | 66.7% |
| Winnebago County | 33 | 11 | 16 | 48.5% |
| Jefferson County | 33 | 7 | 18 | 54.5% |
| La Crosse County | 28 | 6 | 14 | 50.0% |
| Walworth County | 27 | 8 | 13 | 48.1% |
| Waupaca County | 24 | 2 | 14 | 58.3% |
| Racine County | 22 | 8 | 11 | 50.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 776 applications in 2025, of which 146 were originated and 440 denied.
56.7% of all applications, or 74.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans 21st Mortgage originated in Wisconsin in 2025 was 11.00%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology