Arc Home in Wisconsin vs the state
42.9%Denial rate+28.85 pts vs state
50.0%Decision denial rate+33.64 pts vs state
42.9%Origination rate-25.29 pts vs state
7.50%Median rate+0.88 pts vs state
2.84Rate spread (pts)+2.72 pts vs state
$118kMedian applicant income
3Loans originated
3Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 9 | 33.3% | 7.50% | #396 |
| 2024 | 10 | 6 | 10.0% | 8.25% | #478 |
| 2025 | 7 | 3 | 42.9% | 7.50% | #526 |
What Arc Home lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 2 | 1 | 1 | 50.0% |
| Walworth County | 2 | 0 | 2 | 100.0% |
| Kenosha County | 1 | 1 | 0 | 0.0% |
| Rusk County | 1 | 0 | 0 | 0.0% |
| Marinette County | 1 | 1 | 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: 7 applications in 2025, of which 3 were originated and 3 denied.
42.9% of all applications, or 50.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Arc Home originated in Wisconsin in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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