Freedom Mortgage in Wisconsin vs the state
9.1%Denial rate-4.87 pts vs state
15.1%Decision denial rate-1.25 pts vs state
44.4%Origination rate-23.76 pts vs state
6.25%Median rate-0.38 pts vs state
0.14Rate spread (pts)+0.02 pts vs state
$90kMedian applicant income
918Loans originated
189Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 612 | 259 | 16.5% | 6.75% | #63 |
| 2024 | 1,515 | 732 | 11.6% | 6.38% | #30 |
| 2025 | 2,068 | 918 | 9.1% | 6.25% | #24 |
What Freedom Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 305 | 112 | 34 | 11.1% |
| Waukesha County | 119 | 58 | 7 | 5.9% |
| Brown County | 96 | 44 | 10 | 10.4% |
| Outagamie County | 87 | 41 | 6 | 6.9% |
| Dane County | 82 | 33 | 7 | 8.5% |
| Kenosha County | 82 | 33 | 14 | 17.1% |
| Racine County | 82 | 35 | 5 | 6.1% |
| Winnebago County | 79 | 37 | 5 | 6.3% |
| Rock County | 76 | 33 | 9 | 11.8% |
| Washington County | 60 | 27 | 6 | 10.0% |
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: 2,068 applications in 2025, of which 918 were originated and 189 denied.
9.1% of all applications, or 15.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Freedom Mortgage originated in Wisconsin in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom Mortgage'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