American Pacific Mortgage in Wisconsin vs the state
7.6%Denial rate-6.39 pts vs state
9.3%Decision denial rate-7.06 pts vs state
74.3%Origination rate+6.10 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.35 pts vs state
$88kMedian applicant income
741Loans originated
76Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 385 | 272 | 10.7% | 7.13% | #93 |
| 2024 | 676 | 514 | 7.4% | 6.75% | #65 |
| 2025 | 998 | 741 | 7.6% | 6.63% | #50 |
What American Pacific Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenosha County | 225 | 187 | 10 | 4.4% |
| Milwaukee County | 154 | 87 | 22 | 14.3% |
| Racine County | 136 | 110 | 5 | 3.7% |
| Walworth County | 61 | 44 | 4 | 6.6% |
| Barron County | 60 | 50 | 2 | 3.3% |
| Marathon County | 53 | 38 | 5 | 9.4% |
| Fond du Lac County | 44 | 33 | 4 | 9.1% |
| Waukesha County | 33 | 22 | 4 | 12.1% |
| Brown County | 21 | 13 | 2 | 9.5% |
| Winnebago County | 16 | 14 | 1 | 6.3% |
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: 998 applications in 2025, of which 741 were originated and 76 denied.
7.6% of all applications, or 9.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans American Pacific Mortgage originated in Wisconsin in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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