Granite Bank in Wisconsin vs the state
6.1%Denial rate-7.89 pts vs state
7.0%Decision denial rate-9.38 pts vs state
81.0%Origination rate+12.80 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.21 pts vs state
$97kMedian applicant income
119Loans originated
9Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 68 | 54 | 1.5% | 6.69% | #287 |
| 2025 | 147 | 119 | 6.1% | 6.50% | #208 |
What Granite Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 52 | 42 | 2 | 3.8% |
| La Crosse County | 23 | 21 | 0 | 0.0% |
| St. Croix County | 12 | 8 | 3 | 25.0% |
| Polk County | 11 | 7 | 2 | 18.2% |
| Pierce County | 8 | 7 | 1 | 12.5% |
| Waukesha County | 6 | 4 | 0 | 0.0% |
| Vernon County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Washburn County | 2 | 2 | 0 | 0.0% |
| Buffalo County | 2 | 2 | 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: 147 applications in 2025, of which 119 were originated and 9 denied.
6.1% of all applications, or 7.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Granite Bank originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Granite 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