Guaranteed Rate in Wisconsin vs the state
5.4%Denial rate-8.61 pts vs state
7.6%Decision denial rate-8.78 pts vs state
65.0%Origination rate-3.15 pts vs state
6.53%Median rate-0.10 pts vs state
0.20Rate spread (pts)+0.08 pts vs state
$115kMedian applicant income
1,168Loans originated
97Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,280 | 806 | 3.8% | 6.88% | #28 |
| 2024 | 1,251 | 854 | 6.6% | 6.78% | #35 |
| 2025 | 1,797 | 1,168 | 5.4% | 6.53% | #27 |
What Guaranteed Rate lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 243 | 137 | 17 | 7.0% |
| Dane County | 209 | 166 | 2 | 1.0% |
| Waukesha County | 149 | 87 | 6 | 4.0% |
| Walworth County | 142 | 90 | 6 | 4.2% |
| Brown County | 123 | 93 | 3 | 2.4% |
| Marinette County | 84 | 65 | 1 | 1.2% |
| St. Croix County | 84 | 68 | 3 | 3.6% |
| Kenosha County | 66 | 39 | 4 | 6.1% |
| Racine County | 58 | 37 | 3 | 5.2% |
| Pierce County | 50 | 35 | 3 | 6.0% |
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: 1,797 applications in 2025, of which 1,168 were originated and 97 denied.
5.4% of all applications, or 7.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Guaranteed Rate originated in Wisconsin in 2025 was 6.53%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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