Guidance Residential in Wisconsin vs the state
3.9%Denial rate-10.09 pts vs state
5.4%Decision denial rate-10.95 pts vs state
62.8%Origination rate-5.40 pts vs state
6.94%Median rate+0.31 pts vs state
0.40Rate spread (pts)+0.28 pts vs state
$112kMedian applicant income
32Loans originated
2Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 10 | 5.9% | 6.94% | #414 |
| 2024 | 31 | 21 | 3.2% | 7.13% | #371 |
| 2025 | 51 | 32 | 3.9% | 6.94% | #333 |
What Guidance Residential lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 22 | 13 | 0 | 0.0% |
| Dane County | 14 | 10 | 0 | 0.0% |
| Brown County | 7 | 4 | 2 | 28.6% |
| Marathon County | 1 | 1 | 0 | 0.0% |
| Dunn County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 0 | 0 | 0.0% |
| Dodge County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Calumet County | 1 | 0 | 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: 51 applications in 2025, of which 32 were originated and 2 denied.
3.9% of all applications, or 5.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Guidance Residential originated in Wisconsin in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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