Citibank in Wisconsin vs the state
17.7%Denial rate+3.64 pts vs state
28.3%Decision denial rate+11.94 pts vs state
44.7%Origination rate-23.44 pts vs state
6.19%Median rate-0.44 pts vs state
-0.09Rate spread (pts)-0.21 pts vs state
$160kMedian applicant income
38Loans originated
15Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 21 | 10.4% | 5.88% | #311 |
| 2024 | 63 | 27 | 14.3% | 6.63% | #295 |
| 2025 | 85 | 38 | 17.7% | 6.19% | #272 |
What Citibank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 16 | 6 | 3 | 18.8% |
| Walworth County | 15 | 11 | 1 | 6.7% |
| Dane County | 8 | 2 | 0 | 0.0% |
| Kenosha County | 7 | 5 | 0 | 0.0% |
| Waukesha County | 6 | 3 | 0 | 0.0% |
| St. Croix County | 3 | 2 | 1 | 33.3% |
| Pierce County | 3 | 0 | 2 | 66.7% |
| Barron County | 2 | 1 | 1 | 50.0% |
| Grant County | 2 | 0 | 1 | 50.0% |
| Chippewa County | 2 | 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: 85 applications in 2025, of which 38 were originated and 15 denied.
17.7% of all applications, or 28.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Citibank originated in Wisconsin in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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