Emm Loans in Wisconsin vs the state
4.6%Denial rate-9.46 pts vs state
8.3%Decision denial rate-8.03 pts vs state
45.5%Origination rate-22.70 pts vs state
5.99%Median rate-0.63 pts vs state
0.35Rate spread (pts)+0.23 pts vs state
$70kMedian applicant income
10Loans originated
1Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 5 | 8.3% | 6.63% | #383 |
| 2024 | 32 | 16 | 12.5% | 5.99% | #367 |
| 2025 | 22 | 10 | 4.6% | 5.99% | #411 |
What Emm Loans lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walworth County | 2 | 1 | 0 | 0.0% |
| Waupaca County | 2 | 1 | 0 | 0.0% |
| Rock County | 2 | 0 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Wood County | 2 | 0 | 0 | 0.0% |
| Oneida County | 1 | 0 | 0 | 0.0% |
| Bayfield County | 1 | 0 | 0 | 0.0% |
| Calumet County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 0 | 0 | 0.0% |
| Sauk 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: 22 applications in 2025, of which 10 were originated and 1 denied.
4.6% of all applications, or 8.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Emm Loans originated in Wisconsin in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Emm 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