Horicon Bank in Wisconsin vs the state
6.3%Denial rate-7.75 pts vs state
7.2%Decision denial rate-9.20 pts vs state
80.5%Origination rate+12.31 pts vs state
6.75%Median rate+0.13 pts vs state
0.18Rate spread (pts)+0.06 pts vs state
$114kMedian applicant income
424Loans originated
33Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 544 | 460 | 7.4% | 6.98% | #73 |
| 2024 | 473 | 392 | 7.6% | 7.00% | #87 |
| 2025 | 527 | 424 | 6.3% | 6.75% | #83 |
What Horicon Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Horicon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dodge County | 173 | 144 | 8 | 4.6% |
| Fond du Lac County | 108 | 83 | 12 | 11.1% |
| Washington County | 59 | 49 | 3 | 5.1% |
| Green Lake County | 28 | 22 | 2 | 7.1% |
| Winnebago County | 25 | 24 | 0 | 0.0% |
| Milwaukee County | 21 | 16 | 1 | 4.8% |
| Waukesha County | 19 | 10 | 2 | 10.5% |
| Outagamie County | 14 | 12 | 1 | 7.1% |
| Ozaukee County | 13 | 7 | 0 | 0.0% |
| Columbia County | 9 | 8 | 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: 527 applications in 2025, of which 424 were originated and 33 denied.
6.3% 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 Horicon Bank originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Horicon 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