Bell Bank in Wisconsin vs the state
6.6%Denial rate-7.38 pts vs state
7.7%Decision denial rate-8.64 pts vs state
78.5%Origination rate+10.37 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)+0.12 pts vs state
$125kMedian applicant income
1,031Loans originated
87Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,011 | 824 | 5.2% | 6.75% | #36 |
| 2024 | 1,171 | 921 | 7.2% | 6.63% | #37 |
| 2025 | 1,313 | 1,031 | 6.6% | 6.50% | #37 |
What Bell Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 350 | 264 | 16 | 4.6% |
| St. Croix County | 129 | 109 | 12 | 9.3% |
| Waukesha County | 105 | 83 | 5 | 4.8% |
| Milwaukee County | 102 | 83 | 5 | 4.9% |
| Washington County | 94 | 79 | 9 | 9.6% |
| Sheboygan County | 48 | 35 | 4 | 8.3% |
| Polk County | 44 | 38 | 3 | 6.8% |
| Pierce County | 38 | 33 | 1 | 2.6% |
| Rock County | 32 | 25 | 2 | 6.3% |
| Dodge County | 31 | 24 | 1 | 3.2% |
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: 1,313 applications in 2025, of which 1,031 were originated and 87 denied.
6.6% of all applications, or 7.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Bell Bank originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bell 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