The Stephenson National Bank and Trust in Wisconsin vs the state
9.5%Denial rate-4.49 pts vs state
9.6%Decision denial rate-6.78 pts vs state
78.0%Origination rate+9.83 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
131Loans originated
16Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 147 | 9.3% | — | #144 |
| 2024 | 157 | 121 | 8.9% | — | #166 |
| 2025 | 168 | 131 | 9.5% | — | #180 |
What The Stephenson 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 Stephenson National Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marinette County | 113 | 85 | 12 | 10.6% |
| Oconto County | 24 | 21 | 1 | 4.2% |
| Brown County | 17 | 15 | 1 | 5.9% |
| Outagamie County | 6 | 6 | 0 | 0.0% |
| Shawano County | 2 | 0 | 1 | 50.0% |
| Winnebago County | 2 | 2 | 0 | 0.0% |
| Sheboygan County | 1 | 1 | 0 | 0.0% |
| Langlade County | 1 | 1 | 0 | 0.0% |
| Florence County | 1 | 0 | 1 | 100.0% |
| Door County | 1 | 0 | 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: 168 applications in 2025, of which 131 were originated and 16 denied.
9.5% of all applications, or 9.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Stephenson 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