Bank of America in Wisconsin vs the state
29.0%Denial rate+14.99 pts vs state
41.2%Decision denial rate+24.86 pts vs state
41.0%Origination rate-27.13 pts vs state
6.24%Median rate-0.38 pts vs state
0.28Rate spread (pts)+0.16 pts vs state
$123kMedian applicant income
249Loans originated
176Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 623 | 213 | 45.9% | 7.13% | #61 |
| 2024 | 495 | 179 | 35.2% | 6.99% | #82 |
| 2025 | 607 | 249 | 29.0% | 6.24% | #77 |
What Bank of America lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 95 | 35 | 35 | 36.8% |
| Dane County | 57 | 31 | 12 | 21.1% |
| Waukesha County | 57 | 31 | 12 | 21.1% |
| Kenosha County | 38 | 17 | 12 | 31.6% |
| Racine County | 26 | 8 | 8 | 30.8% |
| Walworth County | 26 | 13 | 6 | 23.1% |
| St. Croix County | 18 | 7 | 4 | 22.2% |
| Ozaukee County | 18 | 9 | 2 | 11.1% |
| Brown County | 18 | 5 | 6 | 33.3% |
| Washington County | 17 | 7 | 1 | 5.9% |
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: 607 applications in 2025, of which 249 were originated and 176 denied.
29.0% of all applications, or 41.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Bank of America originated in Wisconsin in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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