Dairy State Bank in Wisconsin vs the state
19.5%Denial rate+5.45 pts vs state
20.4%Decision denial rate+4.06 pts vs state
73.2%Origination rate+5.00 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
109Loans originated
29Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 143 | 6.8% | — | #149 |
| 2024 | 179 | 132 | 12.3% | — | #151 |
| 2025 | 149 | 109 | 19.5% | — | #206 |
What Dairy State Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Dairy State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barron County | 60 | 39 | 18 | 30.0% |
| Dunn County | 31 | 27 | 1 | 3.2% |
| Chippewa County | 11 | 9 | 0 | 0.0% |
| Sawyer County | 10 | 8 | 2 | 20.0% |
| Washburn County | 10 | 6 | 2 | 20.0% |
| Eau Claire County | 7 | 7 | 0 | 0.0% |
| Polk County | 6 | 2 | 3 | 50.0% |
| Pierce County | 3 | 2 | 1 | 33.3% |
| St. Croix County | 3 | 1 | 2 | 66.7% |
| Pepin 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: 149 applications in 2025, of which 109 were originated and 29 denied.
19.5% of all applications, or 20.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Dairy State 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