One Community Bank in Wisconsin vs the state
6.6%Denial rate-7.46 pts vs state
7.2%Decision denial rate-9.15 pts vs state
82.6%Origination rate+14.40 pts vs state
7.25%Median rate+0.63 pts vs state
0.25Rate spread (pts)+0.13 pts vs state
$114kMedian applicant income
454Loans originated
36Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 216 | 162 | 6.0% | 7.50% | #125 |
| 2024 | 205 | 158 | 6.8% | 7.54% | #139 |
| 2025 | 550 | 454 | 6.6% | 7.25% | #79 |
What One Community Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most One Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 257 | 218 | 17 | 6.6% |
| Marathon County | 50 | 41 | 3 | 6.0% |
| Adams County | 47 | 28 | 10 | 21.3% |
| Vernon County | 30 | 30 | 0 | 0.0% |
| Rock County | 26 | 21 | 2 | 7.7% |
| Green County | 20 | 19 | 0 | 0.0% |
| Sauk County | 16 | 16 | 0 | 0.0% |
| Jefferson County | 12 | 9 | 1 | 8.3% |
| Juneau County | 11 | 11 | 0 | 0.0% |
| Monroe County | 8 | 8 | 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: 550 applications in 2025, of which 454 were originated and 36 denied.
6.6% of all applications, or 7.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans One Community Bank originated in Wisconsin in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are One Community 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