Nicolet National Bank in Wisconsin vs the state
4.0%Denial rate-10.02 pts vs state
4.3%Decision denial rate-12.05 pts vs state
87.4%Origination rate+19.23 pts vs state
7.25%Median rate+0.63 pts vs state
0.29Rate spread (pts)+0.17 pts vs state
$129kMedian applicant income
2,279Loans originated
104Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,215 | 1,944 | 5.2% | 7.99% | #19 |
| 2024 | 2,522 | 2,192 | 4.4% | 7.88% | #19 |
| 2025 | 2,608 | 2,279 | 4.0% | 7.25% | #20 |
What Nicolet National Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Nicolet National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 527 | 472 | 18 | 3.4% |
| Door County | 298 | 264 | 11 | 3.7% |
| Outagamie County | 248 | 221 | 6 | 2.4% |
| Marathon County | 196 | 183 | 3 | 1.5% |
| Winnebago County | 188 | 163 | 7 | 3.7% |
| Vilas County | 149 | 124 | 12 | 8.1% |
| Oneida County | 144 | 120 | 5 | 3.5% |
| Eau Claire County | 108 | 91 | 4 | 3.7% |
| Kewaunee County | 89 | 77 | 7 | 7.9% |
| Marinette County | 66 | 55 | 3 | 4.5% |
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: 2,608 applications in 2025, of which 2,279 were originated and 104 denied.
4.0% of all applications, or 4.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Nicolet National Bank originated in Wisconsin in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Nicolet National 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