The First National Bank and Trust in Wisconsin vs the state
6.7%Denial rate-7.30 pts vs state
7.9%Decision denial rate-8.47 pts vs state
76.7%Origination rate+8.53 pts vs state
7.06%Median rate+0.44 pts vs state
0.57Rate spread (pts)+0.45 pts vs state
$91kMedian applicant income
240Loans originated
21Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 460 | 340 | 11.5% | 7.08% | #83 |
| 2024 | 377 | 284 | 9.6% | 7.50% | #98 |
| 2025 | 313 | 240 | 6.7% | 7.06% | #116 |
What The First National Bank and Trust lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most The First National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock County | 147 | 121 | 6 | 4.1% |
| Walworth County | 99 | 67 | 11 | 11.1% |
| Green County | 34 | 27 | 1 | 2.9% |
| Lafayette County | 8 | 8 | 0 | 0.0% |
| Racine County | 3 | 2 | 0 | 0.0% |
| Grant County | 2 | 1 | 0 | 0.0% |
| Waukesha County | 2 | 1 | 1 | 50.0% |
| Wood County | 2 | 2 | 0 | 0.0% |
| Dane County | 2 | 2 | 0 | 0.0% |
| Oneida County | 2 | 1 | 1 | 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: 313 applications in 2025, of which 240 were originated and 21 denied.
6.7% of all applications, or 7.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans The First National Bank and Trust originated in Wisconsin in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are The First National Bank and Trust'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