Baraboo State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th17.5% deniedProcesswithdrawn + incomplete share, weight 15%
30th16.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 130 | 82 | 19.2% | 22.3% | — | $18M |
| 2024 | 118 | 82 | 9.3% | 10.9% | — | $26M |
| 2025 | 136 | 92 | 14.7% | 17.5% | — | $22M |
What Baraboo State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 15 investment properties.
Who gets approved at Baraboo State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 25 | 21.9% |
| $100k – $150k | 25 | 17 | 15.0% |
| $150k – $250k | 34 | 22 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 30 | 17 | 24.0% |
| 55–64 | 25 | 16 | 27.3% |
Where Baraboo State Bank lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 135 | 91 | 14.8% | — | #220 |
Frequently asked questions
Baraboo State Bank denied 17.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 21% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.