First Mid Bank & Trust in Wisconsin vs the state
21.2%Denial rate+7.18 pts vs state
23.9%Decision denial rate+7.52 pts vs state
66.9%Origination rate-1.26 pts vs state
6.88%Median rate+0.25 pts vs state
0.27Rate spread (pts)+0.15 pts vs state
$86kMedian applicant income
101Loans originated
32Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 5 | 0.0% | 8.13% | #507 |
| 2024 | 140 | 106 | 17.9% | 6.88% | #182 |
| 2025 | 151 | 101 | 21.2% | 6.88% | #201 |
What First Mid Bank & Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most First Mid Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock County | 126 | 83 | 30 | 23.8% |
| Walworth County | 4 | 2 | 0 | 0.0% |
| Dane County | 3 | 1 | 1 | 33.3% |
| Vilas County | 3 | 2 | 1 | 33.3% |
| Sauk County | 2 | 1 | 0 | 0.0% |
| Dodge County | 2 | 2 | 0 | 0.0% |
| Oneida County | 2 | 1 | 0 | 0.0% |
| Richland County | 2 | 2 | 0 | 0.0% |
| Chippewa County | 1 | 1 | 0 | 0.0% |
| Grant 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: 151 applications in 2025, of which 101 were originated and 32 denied.
21.2% of all applications, or 23.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans First Mid Bank & Trust originated in Wisconsin in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First Mid 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