American Financing in Wisconsin vs the state
45.2%Denial rate+31.16 pts vs state
59.9%Decision denial rate+43.56 pts vs state
21.2%Origination rate-46.97 pts vs state
6.13%Median rate-0.50 pts vs state
0.35Rate spread (pts)+0.23 pts vs state
$87kMedian applicant income
68Loans originated
145Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 22 | 46.4% | 6.00% | #206 |
| 2024 | 228 | 52 | 55.3% | 6.00% | #129 |
| 2025 | 321 | 68 | 45.2% | 6.13% | #112 |
What American Financing lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 37 | 4 | 22 | 59.5% |
| Waukesha County | 18 | 5 | 8 | 44.4% |
| Washington County | 17 | 4 | 3 | 17.6% |
| Marathon County | 15 | 5 | 5 | 33.3% |
| Walworth County | 12 | 3 | 8 | 66.7% |
| Dane County | 11 | 2 | 6 | 54.5% |
| Brown County | 10 | 2 | 4 | 40.0% |
| Winnebago County | 10 | 1 | 4 | 40.0% |
| Jefferson County | 10 | 3 | 3 | 30.0% |
| Racine County | 10 | 4 | 4 | 40.0% |
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: 321 applications in 2025, of which 68 were originated and 145 denied.
45.2% of all applications, or 59.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans American Financing originated in Wisconsin in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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