Guaranteed Rate Affinity in Wisconsin vs the state
5.9%Denial rate-8.11 pts vs state
7.2%Decision denial rate-9.16 pts vs state
75.5%Origination rate+7.32 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)+0.13 pts vs state
$124kMedian applicant income
243Loans originated
19Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 310 | 222 | 4.8% | 6.63% | #100 |
| 2024 | 249 | 199 | 2.4% | 6.75% | #117 |
| 2025 | 322 | 243 | 5.9% | 6.63% | #110 |
What Guaranteed Rate Affinity lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 101 | 75 | 5 | 5.0% |
| Waukesha County | 42 | 35 | 1 | 2.4% |
| Ozaukee County | 41 | 34 | 0 | 0.0% |
| Washington County | 36 | 30 | 1 | 2.8% |
| Racine County | 14 | 10 | 1 | 7.1% |
| Kenosha County | 13 | 9 | 1 | 7.7% |
| Dane County | 10 | 10 | 0 | 0.0% |
| Walworth County | 10 | 5 | 2 | 20.0% |
| St. Croix County | 9 | 8 | 1 | 11.1% |
| Sheboygan County | 6 | 4 | 2 | 33.3% |
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: 322 applications in 2025, of which 243 were originated and 19 denied.
5.9% of all applications, or 7.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Guaranteed Rate Affinity originated in Wisconsin in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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