Dairy State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.3% deniedProcesswithdrawn + incomplete share, weight 15%
80th4.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 176 | 143 | 6.8% | 7.6% | — | $25M |
| 2024 | 180 | 133 | 12.2% | 13.7% | — | $23M |
| 2025 | 150 | 110 | 19.3% | 20.3% | — | $33M |
What Dairy State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 23 investment properties.
Why Dairy State Bank denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dairy State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 54 | 38 | 26.9% |
| $100k – $150k | 28 | 20 | 25.9% |
| $150k – $250k | 23 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 15 | 32.0% |
| 35–44 | 27 | 21 | 22.2% |
| 45–54 | 23 | 18 | 13.6% |
| 55–64 | 29 | 22 | 21.4% |
Where Dairy State Bank lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 149 | 109 | 19.5% | — | #206 |
Frequently asked questions
Dairy State Bank denied 20.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
The most common reason Dairy State Bank gave in 2025 was "credit history", cited on 44.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 51% of its applications were for home purchases, 33% for refinancing (including cash-out), and 15% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.