Consumer Real Estate Finance in Wisconsin vs the state
16.8%Denial rate+2.79 pts vs state
17.9%Decision denial rate+1.54 pts vs state
77.1%Origination rate+8.90 pts vs state
6.75%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.29 pts vs state
$73kMedian applicant income
188Loans originated
41Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 37 | 15.6% | 7.13% | #252 |
| 2024 | 112 | 72 | 15.2% | 6.75% | #218 |
| 2025 | 244 | 188 | 16.8% | 6.75% | #133 |
What Consumer Real Estate Finance lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| La Crosse County | 130 | 108 | 17 | 13.1% |
| Monroe County | 22 | 19 | 1 | 4.5% |
| Trempealeau County | 9 | 7 | 1 | 11.1% |
| Jackson County | 6 | 4 | 1 | 16.7% |
| Vernon County | 6 | 5 | 1 | 16.7% |
| Dane County | 5 | 4 | 1 | 20.0% |
| Milwaukee County | 5 | 4 | 1 | 20.0% |
| Eau Claire County | 5 | 4 | 1 | 20.0% |
| Green Lake County | 3 | 1 | 2 | 66.7% |
| Barron County | 3 | 1 | 1 | 33.3% |
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: 244 applications in 2025, of which 188 were originated and 41 denied.
16.8% of all applications, or 17.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Consumer Real Estate Finance originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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