Lake Ridge Bank in Wisconsin vs the state
6.6%Denial rate-7.46 pts vs state
7.5%Decision denial rate-8.91 pts vs state
79.6%Origination rate+11.42 pts vs state
5.49%Median rate-1.13 pts vs state
-1.59Rate spread (pts)-1.71 pts vs state
$130kMedian applicant income
705Loans originated
58Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 367 | 276 | 5.2% | 6.66% | #94 |
| 2024 | 866 | 672 | 7.2% | 5.49% | #53 |
| 2025 | 886 | 705 | 6.6% | 5.49% | #57 |
What Lake Ridge Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Lake Ridge Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 622 | 501 | 37 | 5.9% |
| Rock County | 75 | 61 | 4 | 5.3% |
| Green County | 44 | 36 | 5 | 11.4% |
| Sauk County | 43 | 34 | 3 | 7.0% |
| Columbia County | 24 | 19 | 1 | 4.2% |
| Iowa County | 22 | 12 | 5 | 22.7% |
| Jefferson County | 7 | 5 | 1 | 14.3% |
| Waukesha County | 4 | 2 | 1 | 25.0% |
| Juneau County | 3 | 2 | 0 | 0.0% |
| Dodge County | 3 | 2 | 1 | 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: 886 applications in 2025, of which 705 were originated and 58 denied.
6.6% of all applications, or 7.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Lake Ridge Bank originated in Wisconsin in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Lake Ridge 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