Nations Direct Mortgage in Wisconsin vs the state
20.0%Denial rate+5.99 pts vs state
25.0%Decision denial rate+8.64 pts vs state
60.0%Origination rate-8.15 pts vs state
6.75%Median rate+0.13 pts vs state
1.08Rate spread (pts)+0.96 pts vs state
$68kMedian applicant income
9Loans originated
3Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 11.1% | 7.44% | #470 |
| 2024 | 22 | 15 | 13.6% | 6.75% | #404 |
| 2025 | 15 | 9 | 20.0% | 6.75% | #442 |
What Nations Direct Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 6 | 2 | 3 | 50.0% |
| Rock County | 3 | 2 | 0 | 0.0% |
| Racine County | 2 | 2 | 0 | 0.0% |
| Kenosha County | 1 | 1 | 0 | 0.0% |
| Brown County | 1 | 1 | 0 | 0.0% |
| Wood County | 1 | 1 | 0 | 0.0% |
| Dane County | 1 | 0 | 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: 15 applications in 2025, of which 9 were originated and 3 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Nations Direct Mortgage originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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