American Heritage Lending in Wisconsin vs the state
3.3%Denial rate-10.70 pts vs state
4.4%Decision denial rate-12.01 pts vs state
59.5%Origination rate-8.65 pts vs state
8.00%Median rate+1.37 pts vs state
0.84Rate spread (pts)+0.72 pts vs state
$101kMedian applicant income
72Loans originated
4Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 53 | 4.7% | 8.75% | #241 |
| 2024 | 122 | 79 | 5.7% | 7.88% | #204 |
| 2025 | 121 | 72 | 3.3% | 8.00% | #230 |
What American Heritage Lending lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 95 | 54 | 4 | 4.2% |
| Racine County | 8 | 8 | 0 | 0.0% |
| Waukesha County | 4 | 4 | 0 | 0.0% |
| Dunn County | 3 | 0 | 0 | 0.0% |
| Kenosha County | 3 | 1 | 0 | 0.0% |
| Oneida County | 2 | 1 | 0 | 0.0% |
| Dane County | 1 | 1 | 0 | 0.0% |
| Rock County | 1 | 1 | 0 | 0.0% |
| Walworth County | 1 | 0 | 0 | 0.0% |
| Green Lake County | 1 | 0 | 0 | 0.0% |
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: 121 applications in 2025, of which 72 were originated and 4 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans American Heritage Lending originated in Wisconsin in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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