First-Citizens Bank & Trust in Wisconsin vs the state
28.7%Denial rate+14.70 pts vs state
32.6%Decision denial rate+16.22 pts vs state
53.5%Origination rate-14.68 pts vs state
6.43%Median rate-0.20 pts vs state
-0.13Rate spread (pts)-0.25 pts vs state
$149kMedian applicant income
54Loans originated
29Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 86 | 25.3% | 6.43% | #168 |
| 2024 | 120 | 59 | 31.7% | 6.48% | #207 |
| 2025 | 101 | 54 | 28.7% | 6.43% | #257 |
What First-Citizens Bank & Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 44 | 23 | 13 | 29.5% |
| Waukesha County | 24 | 15 | 6 | 25.0% |
| Washington County | 7 | 3 | 4 | 57.1% |
| Racine County | 5 | 2 | 2 | 40.0% |
| Fond du Lac County | 2 | 1 | 0 | 0.0% |
| Winnebago County | 2 | 0 | 1 | 50.0% |
| Sheboygan County | 2 | 2 | 0 | 0.0% |
| Ozaukee County | 2 | 1 | 1 | 50.0% |
| Kenosha County | 2 | 1 | 0 | 0.0% |
| Door County | 1 | 0 | 1 | 100.0% |
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: 101 applications in 2025, of which 54 were originated and 29 denied.
28.7% of all applications, or 32.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans First-Citizens Bank & Trust originated in Wisconsin in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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