National Bank of Commerce in Wisconsin vs the state
4.2%Denial rate-9.84 pts vs state
4.6%Decision denial rate-11.75 pts vs state
84.5%Origination rate+16.37 pts vs state
7.00%Median rate+0.38 pts vs state
0.46Rate spread (pts)+0.34 pts vs state
$101kMedian applicant income
142Loans originated
7Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 97 | 8.4% | 6.70% | #193 |
| 2024 | 105 | 83 | 11.4% | 7.00% | #226 |
| 2025 | 168 | 142 | 4.2% | 7.00% | #181 |
What National Bank of Commerce lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most National Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 141 | 119 | 7 | 5.0% |
| Bayfield County | 14 | 12 | 0 | 0.0% |
| Monroe County | 4 | 4 | 0 | 0.0% |
| Barron County | 2 | 1 | 0 | 0.0% |
| Washburn County | 2 | 2 | 0 | 0.0% |
| La Crosse County | 1 | 1 | 0 | 0.0% |
| Milwaukee County | 1 | 0 | 0 | 0.0% |
| Price County | 1 | 1 | 0 | 0.0% |
| St. Croix County | 1 | 1 | 0 | 0.0% |
| Winnebago 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: 168 applications in 2025, of which 142 were originated and 7 denied.
4.2% of all applications, or 4.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans National Bank of Commerce originated in Wisconsin in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are National Bank of Commerce'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