The Port Washington State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
76th4.3% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 563 | 436 | 11.6% | 12.4% | 6.75% | $84M |
| 2024 | 315 | 239 | 8.3% | 9.4% | — | $66M |
| 2025 | 328 | 260 | 4.0% | 4.3% | — | $85M |
What The Port Washington State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 37 investment properties.
Who gets approved at The Port Washington State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 15 | 19.1% |
| $50k – $100k | 91 | 72 | 2.5% |
| $100k – $150k | 76 | 59 | 5.6% |
| $150k – $250k | 69 | 55 | 1.6% |
| Over $250k | 32 | 27 | 3.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 61 | 52 | 1.8% |
| 35–44 | 56 | 47 | 1.9% |
| 45–54 | 58 | 46 | 7.8% |
| 55–64 | 65 | 50 | 3.3% |
| 65–74 | 38 | 24 | 9.4% |
Where The Port Washington State Bank lends
3 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 325 | 259 | 4.0% | — | #109 |
Frequently asked questions
The Port Washington State Bank denied 4.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 30% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.