First American Bank in Wisconsin vs the state
31.9%Denial rate+17.88 pts vs state
36.2%Decision denial rate+19.80 pts vs state
54.7%Origination rate-13.43 pts vs state
7.13%Median rate+0.50 pts vs state
0.21Rate spread (pts)+0.09 pts vs state
$104kMedian applicant income
139Loans originated
81Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 146 | 27.4% | 8.00% | #113 |
| 2024 | 268 | 156 | 30.6% | 8.00% | #114 |
| 2025 | 254 | 139 | 31.9% | 7.13% | #131 |
What First American Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenosha County | 101 | 57 | 34 | 33.7% |
| Milwaukee County | 34 | 20 | 10 | 29.4% |
| Racine County | 23 | 12 | 11 | 47.8% |
| Walworth County | 11 | 7 | 1 | 9.1% |
| Waukesha County | 10 | 7 | 2 | 20.0% |
| Washington County | 7 | 3 | 3 | 42.9% |
| Brown County | 6 | 2 | 2 | 33.3% |
| Fond du Lac County | 6 | 3 | 0 | 0.0% |
| Winnebago County | 5 | 3 | 1 | 20.0% |
| Dane County | 5 | 2 | 2 | 40.0% |
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: 254 applications in 2025, of which 139 were originated and 81 denied.
31.9% of all applications, or 36.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans First American Bank originated in Wisconsin in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are First American 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