Constructive Loans in Wisconsin vs the state
2.7%Denial rate-11.31 pts vs state
2.7%Decision denial rate-13.66 pts vs state
94.6%Origination rate+26.44 pts vs state
7.63%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
35Loans originated
1Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 42 | 40 | 0.0% | 7.53% | #339 |
| 2025 | 37 | 35 | 2.7% | 7.63% | #370 |
What Constructive Loans lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 36 | 34 | 1 | 2.8% |
| Chippewa County | 1 | 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: 37 applications in 2025, of which 35 were originated and 1 denied.
2.7% of all applications, or 2.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Constructive Loans originated in Wisconsin in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Constructive Loans'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