Frandsen Bank & Trust in Wisconsin vs the state
8.9%Denial rate-5.13 pts vs state
10.9%Decision denial rate-5.50 pts vs state
72.0%Origination rate+3.81 pts vs state
6.88%Median rate+0.25 pts vs state
0.16Rate spread (pts)+0.04 pts vs state
$121kMedian applicant income
154Loans originated
19Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 148 | 8.3% | 6.73% | #134 |
| 2024 | 159 | 120 | 11.3% | 7.00% | #161 |
| 2025 | 214 | 154 | 8.9% | 6.88% | #152 |
What Frandsen Bank & Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Frandsen Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sawyer County | 51 | 39 | 7 | 13.7% |
| Polk County | 40 | 22 | 6 | 15.0% |
| Eau Claire County | 27 | 23 | 0 | 0.0% |
| Douglas County | 18 | 11 | 2 | 11.1% |
| Burnett County | 13 | 9 | 1 | 7.7% |
| Barron County | 11 | 9 | 0 | 0.0% |
| Chippewa County | 8 | 4 | 0 | 0.0% |
| St. Croix County | 7 | 7 | 0 | 0.0% |
| Washburn County | 7 | 5 | 0 | 0.0% |
| Bayfield County | 6 | 5 | 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: 214 applications in 2025, of which 154 were originated and 19 denied.
8.9% of all applications, or 10.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Frandsen Bank & Trust originated in Wisconsin in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Frandsen 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