Home State Bank in Wisconsin vs the state
5.3%Denial rate-8.67 pts vs state
5.5%Decision denial rate-10.88 pts vs state
88.2%Origination rate+20.05 pts vs state
6.43%Median rate-0.19 pts vs state
0.25Rate spread (pts)+0.13 pts vs state
$79kMedian applicant income
314Loans originated
19Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 43 | 7.3% | 7.00% | #295 |
| 2024 | 278 | 249 | 4.3% | 6.63% | #111 |
| 2025 | 356 | 314 | 5.3% | 6.43% | #103 |
What Home State Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Home State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Outagamie County | 116 | 106 | 6 | 5.2% |
| Winnebago County | 99 | 83 | 7 | 7.1% |
| Racine County | 32 | 29 | 0 | 0.0% |
| Calumet County | 21 | 19 | 0 | 0.0% |
| Waupaca County | 13 | 12 | 0 | 0.0% |
| Brown County | 10 | 8 | 2 | 20.0% |
| Walworth County | 10 | 9 | 1 | 10.0% |
| Waushara County | 9 | 8 | 0 | 0.0% |
| Milwaukee County | 6 | 6 | 0 | 0.0% |
| Fond du Lac County | 6 | 6 | 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: 356 applications in 2025, of which 314 were originated and 19 denied.
5.3% of all applications, or 5.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Home State Bank originated in Wisconsin in 2025 was 6.43%, against a statewide median of 6.63%.
About this data. Figures are Home State 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