Bay Bank in Wisconsin vs the state
33.1%Denial rate+19.09 pts vs state
33.1%Decision denial rate+16.74 pts vs state
56.6%Origination rate-11.60 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
82Loans originated
48Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 112 | 16.8% | — | #172 |
| 2024 | 160 | 115 | 20.0% | — | #160 |
| 2025 | 145 | 82 | 33.1% | — | #210 |
What Bay Bank lends in Wisconsin
By loan purpose
By loan type
Where in Wisconsin
Counties with the most Bay Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 36 | 23 | 10 | 27.8% |
| Outagamie County | 24 | 20 | 3 | 12.5% |
| Menominee County | 23 | 11 | 8 | 34.8% |
| Shawano County | 13 | 8 | 5 | 38.5% |
| Ashland County | 10 | 2 | 6 | 60.0% |
| Bayfield County | 8 | 4 | 3 | 37.5% |
| Vilas County | 4 | 1 | 2 | 50.0% |
| Marinette County | 3 | 1 | 1 | 33.3% |
| Oconto County | 3 | 1 | 2 | 66.7% |
| Milwaukee County | 2 | 1 | 1 | 50.0% |
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: 145 applications in 2025, of which 82 were originated and 48 denied.
33.1% of all applications, or 33.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bay Bank'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