Peoples State Bank in Wisconsin vs the state
10.8%Denial rate-3.20 pts vs state
11.9%Decision denial rate-4.46 pts vs state
71.1%Origination rate+2.93 pts vs state
6.95%Median rate+0.33 pts vs state
0.16Rate spread (pts)+0.04 pts vs state
$96kMedian applicant income
263Loans originated
40Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 536 | 434 | 6.7% | 6.95% | #75 |
| 2024 | 452 | 328 | 11.1% | 7.13% | #90 |
| 2025 | 370 | 263 | 10.8% | 6.95% | #102 |
What Peoples State Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Peoples State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marathon County | 97 | 69 | 9 | 9.3% |
| Milwaukee County | 68 | 53 | 3 | 4.4% |
| Oneida County | 61 | 43 | 9 | 14.8% |
| Vilas County | 27 | 16 | 5 | 18.5% |
| Lincoln County | 21 | 17 | 1 | 4.8% |
| Waukesha County | 16 | 11 | 4 | 25.0% |
| Portage County | 10 | 6 | 1 | 10.0% |
| Wood County | 8 | 5 | 0 | 0.0% |
| Washington County | 6 | 4 | 2 | 33.3% |
| Racine County | 6 | 4 | 1 | 16.7% |
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: 370 applications in 2025, of which 263 were originated and 40 denied.
10.8% of all applications, or 11.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Peoples State Bank originated in Wisconsin in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are Peoples 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