PHH Mortgage in Wisconsin vs the state
7.6%Denial rate-6.42 pts vs state
15.3%Decision denial rate-1.04 pts vs state
41.1%Origination rate-27.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.28 pts vs state
$75kMedian applicant income
92Loans originated
17Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 30 | 24.1% | 6.99% | #248 |
| 2024 | 135 | 51 | 20.7% | 6.63% | #186 |
| 2025 | 224 | 92 | 7.6% | 6.50% | #145 |
What PHH Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 40 | 12 | 6 | 15.0% |
| Waukesha County | 16 | 5 | 0 | 0.0% |
| Kenosha County | 14 | 6 | 1 | 7.1% |
| Racine County | 12 | 4 | 1 | 8.3% |
| Brown County | 12 | 6 | 1 | 8.3% |
| Walworth County | 9 | 3 | 2 | 22.2% |
| Marathon County | 9 | 6 | 0 | 0.0% |
| Winnebago County | 9 | 3 | 0 | 0.0% |
| Washington County | 8 | 4 | 1 | 12.5% |
| Dane County | 8 | 3 | 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: 224 applications in 2025, of which 92 were originated and 17 denied.
7.6% of all applications, or 15.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans PHH Mortgage originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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