Simplicity in Wisconsin vs the state
11.5%Denial rate-2.49 pts vs state
13.7%Decision denial rate-2.65 pts vs state
72.0%Origination rate+3.80 pts vs state
7.00%Median rate+0.38 pts vs state
0.28Rate spread (pts)+0.16 pts vs state
$82kMedian applicant income
531Loans originated
85Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 675 | 507 | 7.4% | 6.50% | #56 |
| 2024 | 648 | 493 | 7.9% | 7.00% | #67 |
| 2025 | 738 | 531 | 11.5% | 7.00% | #69 |
What Simplicity lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Simplicity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 239 | 186 | 20 | 8.4% |
| Clark County | 142 | 86 | 25 | 17.6% |
| Portage County | 129 | 97 | 11 | 8.5% |
| Marathon County | 103 | 77 | 6 | 5.8% |
| Winnebago County | 30 | 19 | 4 | 13.3% |
| Outagamie County | 18 | 9 | 5 | 27.8% |
| Waupaca County | 17 | 12 | 5 | 29.4% |
| Fond du Lac County | 6 | 4 | 0 | 0.0% |
| Brown County | 6 | 4 | 1 | 16.7% |
| Jackson County | 6 | 3 | 3 | 50.0% |
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: 738 applications in 2025, of which 531 were originated and 85 denied.
11.5% of all applications, or 13.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Simplicity originated in Wisconsin in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Simplicity'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