National Exchange Bank and Trust in Wisconsin vs the state
10.8%Denial rate-3.23 pts vs state
11.5%Decision denial rate-4.85 pts vs state
76.7%Origination rate+8.55 pts vs state
6.75%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.32 pts vs state
$85kMedian applicant income
882Loans originated
124Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,082 | 882 | 8.3% | 7.48% | #35 |
| 2024 | 958 | 760 | 9.0% | 7.75% | #47 |
| 2025 | 1,150 | 882 | 10.8% | 6.75% | #43 |
What National Exchange Bank and Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most National Exchange Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fond du Lac County | 444 | 358 | 33 | 7.4% |
| Dodge County | 140 | 97 | 21 | 15.0% |
| Sheboygan County | 92 | 80 | 7 | 7.6% |
| Washington County | 67 | 54 | 5 | 7.5% |
| Marquette County | 51 | 33 | 10 | 19.6% |
| Waukesha County | 35 | 31 | 0 | 0.0% |
| Calumet County | 34 | 25 | 5 | 14.7% |
| Winnebago County | 33 | 26 | 4 | 12.1% |
| Columbia County | 31 | 22 | 7 | 22.6% |
| Green Lake County | 30 | 25 | 1 | 3.3% |
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: 1,150 applications in 2025, of which 882 were originated and 124 denied.
10.8% of all applications, or 11.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans National Exchange Bank and Trust originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are National Exchange Bank and 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