Manufacturers and Traders Trust in Wisconsin vs the state
26.2%Denial rate+12.18 pts vs state
35.5%Decision denial rate+19.12 pts vs state
47.6%Origination rate-20.53 pts vs state
6.25%Median rate-0.38 pts vs state
0.17Rate spread (pts)+0.05 pts vs state
$95kMedian applicant income
20Loans originated
11Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 15 | 33.3% | 6.50% | #312 |
| 2024 | 34 | 18 | 20.6% | 6.25% | #360 |
| 2025 | 42 | 20 | 26.2% | 6.25% | #349 |
What Manufacturers and Traders Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 8 | 3 | 3 | 37.5% |
| Rock County | 3 | 3 | 0 | 0.0% |
| Racine County | 3 | 1 | 1 | 33.3% |
| Brown County | 3 | 2 | 1 | 33.3% |
| Outagamie County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 1 | 1 | 33.3% |
| Chippewa County | 3 | 1 | 2 | 66.7% |
| Dane County | 2 | 1 | 0 | 0.0% |
| Marquette County | 1 | 0 | 1 | 100.0% |
| Polk County | 1 | 1 | 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: 42 applications in 2025, of which 20 were originated and 11 denied.
26.2% of all applications, or 35.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Manufacturers and Traders Trust originated in Wisconsin in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders Trust'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