Tomo Mortgage in Wisconsin vs the state
10.0%Denial rate-4.01 pts vs state
21.4%Decision denial rate+5.07 pts vs state
35.8%Origination rate-32.32 pts vs state
6.50%Median rate-0.13 pts vs state
0.00Rate spread (pts)-0.12 pts vs state
$173kMedian applicant income
43Loans originated
12Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 30 | 12 | 0.0% | 6.75% | #376 |
| 2025 | 120 | 43 | 10.0% | 6.50% | #232 |
What Tomo Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 24 | 7 | 2 | 8.3% |
| Milwaukee County | 13 | 4 | 0 | 0.0% |
| Waukesha County | 10 | 4 | 1 | 10.0% |
| Kenosha County | 6 | 4 | 0 | 0.0% |
| Walworth County | 5 | 1 | 3 | 60.0% |
| Outagamie County | 5 | 1 | 1 | 20.0% |
| Columbia County | 4 | 1 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Fond du Lac County | 3 | 1 | 0 | 0.0% |
| La Crosse County | 3 | 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: 120 applications in 2025, of which 43 were originated and 12 denied.
10.0% of all applications, or 21.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Tomo Mortgage originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Tomo 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