Farmers and Merchants Union Bank in Wisconsin vs the state
7.3%Denial rate-6.74 pts vs state
8.3%Decision denial rate-8.11 pts vs state
77.3%Origination rate+9.12 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
85Loans originated
8Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 49 | 10.5% | — | #253 |
| 2024 | 59 | 43 | 10.2% | — | #301 |
| 2025 | 110 | 85 | 7.3% | — | #240 |
What Farmers and Merchants Union Bank lends in Wisconsin
By loan purpose
By loan type
Where in Wisconsin
Counties with the most Farmers and Merchants Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 43 | 37 | 2 | 4.7% |
| Rock County | 25 | 20 | 2 | 8.0% |
| Dodge County | 23 | 12 | 3 | 13.0% |
| Dane County | 9 | 7 | 1 | 11.1% |
| Green Lake County | 5 | 4 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Sauk County | 1 | 1 | 0 | 0.0% |
| Walworth County | 1 | 1 | 0 | 0.0% |
| Lafayette 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: 110 applications in 2025, of which 85 were originated and 8 denied.
7.3% of all applications, or 8.3% 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 Farmers and Merchants Union 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