MidWestOne Bank in Wisconsin vs the state
18.1%Denial rate+4.12 pts vs state
19.3%Decision denial rate+2.98 pts vs state
74.1%Origination rate+5.94 pts vs state
5.99%Median rate-0.63 pts vs state
-1.16Rate spread (pts)-1.28 pts vs state
$101kMedian applicant income
143Loans originated
35Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 105 | 16.7% | 6.24% | #165 |
| 2024 | 183 | 127 | 21.3% | 6.99% | #150 |
| 2025 | 193 | 143 | 18.1% | 5.99% | #165 |
What MidWestOne Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most MidWestOne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grant County | 66 | 50 | 9 | 13.6% |
| Polk County | 52 | 38 | 11 | 21.2% |
| St. Croix County | 49 | 34 | 12 | 24.5% |
| Lafayette County | 7 | 5 | 1 | 14.3% |
| Dane County | 3 | 3 | 0 | 0.0% |
| Green County | 2 | 2 | 0 | 0.0% |
| Pierce County | 2 | 2 | 0 | 0.0% |
| Milwaukee County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 1 | 100.0% |
| La Crosse 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: 193 applications in 2025, of which 143 were originated and 35 denied.
18.1% of all applications, or 19.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans MidWestOne Bank originated in Wisconsin in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are MidWestOne 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