OCMBC in Wisconsin vs the state
10.0%Denial rate-4.01 pts vs state
12.7%Decision denial rate-3.65 pts vs state
56.7%Origination rate-11.48 pts vs state
7.50%Median rate+0.87 pts vs state
1.36Rate spread (pts)+1.24 pts vs state
$99kMedian applicant income
85Loans originated
15Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 28 | 19.2% | 8.69% | #316 |
| 2024 | 92 | 49 | 18.5% | 8.13% | #247 |
| 2025 | 150 | 85 | 10.0% | 7.50% | #202 |
What OCMBC lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 76 | 48 | 4 | 5.3% |
| Racine County | 8 | 6 | 0 | 0.0% |
| Walworth County | 7 | 1 | 2 | 28.6% |
| Dane County | 7 | 4 | 0 | 0.0% |
| Kenosha County | 7 | 7 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Washington County | 3 | 1 | 0 | 0.0% |
| Outagamie County | 3 | 2 | 1 | 33.3% |
| Marathon County | 3 | 1 | 0 | 0.0% |
| Brown County | 3 | 2 | 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: 150 applications in 2025, of which 85 were originated and 15 denied.
10.0% of all applications, or 12.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans OCMBC originated in Wisconsin in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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