Town Bank in Wisconsin vs the state
5.1%Denial rate-8.93 pts vs state
5.8%Decision denial rate-10.56 pts vs state
81.4%Origination rate+13.21 pts vs state
—Median rate
—Rate spread (pts)
$225kMedian applicant income
192Loans originated
12Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 99 | 2.6% | — | #196 |
| 2024 | 116 | 93 | 4.3% | — | #210 |
| 2025 | 236 | 192 | 5.1% | — | #138 |
What Town Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Town Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dane County | 95 | 82 | 2 | 2.1% |
| Milwaukee County | 44 | 38 | 1 | 2.3% |
| Waukesha County | 25 | 21 | 1 | 4.0% |
| Racine County | 15 | 11 | 2 | 13.3% |
| Walworth County | 11 | 5 | 0 | 0.0% |
| Ozaukee County | 9 | 7 | 2 | 22.2% |
| Rock County | 6 | 3 | 3 | 50.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Waushara County | 3 | 1 | 1 | 33.3% |
| Sheboygan County | 2 | 2 | 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: 236 applications in 2025, of which 192 were originated and 12 denied.
5.1% of all applications, or 5.8% 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 Town Bank'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