Northern State Bank in Wisconsin vs the state
11.7%Denial rate-2.29 pts vs state
14.7%Decision denial rate-1.70 pts vs state
68.3%Origination rate+0.13 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
99Loans originated
17Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 79 | 6.0% | — | #197 |
| 2024 | 130 | 100 | 8.5% | — | #193 |
| 2025 | 145 | 99 | 11.7% | — | #209 |
What Northern State Bank lends in Wisconsin
By loan purpose
By loan type
Where in Wisconsin
Counties with the most Northern State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ashland County | 88 | 62 | 10 | 11.4% |
| Bayfield County | 44 | 30 | 4 | 9.1% |
| Price County | 5 | 2 | 2 | 40.0% |
| Iron County | 4 | 3 | 0 | 0.0% |
| Brown County | 1 | 1 | 0 | 0.0% |
| Wood County | 1 | 0 | 1 | 100.0% |
| Vilas County | 1 | 0 | 0 | 0.0% |
| Douglas 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: 145 applications in 2025, of which 99 were originated and 17 denied.
11.7% of all applications, or 14.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Northern State 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