First Federal Bank in Wisconsin vs the state
11.9%Denial rate-2.08 pts vs state
14.0%Decision denial rate-2.35 pts vs state
72.4%Origination rate+4.28 pts vs state
6.50%Median rate-0.13 pts vs state
0.04Rate spread (pts)-0.08 pts vs state
$94kMedian applicant income
176Loans originated
29Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 141 | 9.3% | 6.63% | #142 |
| 2024 | 289 | 237 | 6.2% | 6.50% | #107 |
| 2025 | 243 | 176 | 11.9% | 6.50% | #135 |
What First Federal Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 22 | 17 | 4 | 18.2% |
| Marathon County | 21 | 17 | 3 | 14.3% |
| Portage County | 16 | 15 | 1 | 6.3% |
| Dane County | 13 | 8 | 0 | 0.0% |
| Waukesha County | 12 | 8 | 2 | 16.7% |
| Waupaca County | 12 | 11 | 1 | 8.3% |
| Milwaukee County | 12 | 10 | 0 | 0.0% |
| Winnebago County | 8 | 7 | 0 | 0.0% |
| Jefferson County | 8 | 6 | 0 | 0.0% |
| Brown County | 7 | 5 | 1 | 14.3% |
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: 243 applications in 2025, of which 176 were originated and 29 denied.
11.9% of all applications, or 14.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans First Federal Bank originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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