Discover Bank in Wisconsin vs the state
53.6%Denial rate+39.54 pts vs state
76.0%Decision denial rate+59.61 pts vs state
16.6%Origination rate-51.56 pts vs state
8.88%Median rate+2.26 pts vs state
2.22Rate spread (pts)+2.09 pts vs state
$100kMedian applicant income
140Loans originated
452Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,575 | 397 | 43.0% | 9.74% | #14 |
| 2024 | 2,580 | 464 | 47.3% | 8.88% | #17 |
| 2025 | 844 | 140 | 53.6% | 8.88% | #61 |
What Discover Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 111 | 16 | 57 | 51.4% |
| Waukesha County | 77 | 11 | 44 | 57.1% |
| Dane County | 51 | 8 | 26 | 51.0% |
| Kenosha County | 49 | 13 | 27 | 55.1% |
| Racine County | 45 | 3 | 28 | 62.2% |
| Brown County | 36 | 8 | 15 | 41.7% |
| Rock County | 32 | 5 | 20 | 62.5% |
| Walworth County | 27 | 4 | 18 | 66.7% |
| St. Croix County | 26 | 6 | 12 | 46.2% |
| Washington County | 23 | 8 | 10 | 43.5% |
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: 844 applications in 2025, of which 140 were originated and 452 denied.
53.6% of all applications, or 76.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Discover Bank originated in Wisconsin in 2025 was 8.88%, against a statewide median of 6.63%.
About this data. Figures are Discover 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