First State Bank and Trust in Wisconsin vs the state
10.2%Denial rate-3.84 pts vs state
13.0%Decision denial rate-3.32 pts vs state
66.1%Origination rate-2.05 pts vs state
—Median rate
—Rate spread (pts)
$113kMedian applicant income
39Loans originated
6Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 37 | 10.2% | — | #284 |
| 2024 | 39 | 31 | 10.3% | — | #350 |
| 2025 | 59 | 39 | 10.2% | — | #313 |
What First State Bank and Trust lends in Wisconsin
By loan purpose
By loan type
Where in Wisconsin
Counties with the most First State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Croix County | 44 | 29 | 5 | 11.4% |
| Polk County | 5 | 2 | 1 | 20.0% |
| Pierce County | 4 | 4 | 0 | 0.0% |
| Kenosha County | 2 | 2 | 0 | 0.0% |
| Burnett County | 1 | 1 | 0 | 0.0% |
| Dunn County | 1 | 1 | 0 | 0.0% |
| Washburn County | 1 | 0 | 0 | 0.0% |
| Bayfield County | 1 | 0 | 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: 59 applications in 2025, of which 39 were originated and 6 denied.
10.2% of all applications, or 13.0% 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 First State Bank and 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