United Shore Financial Services in Wisconsin vs the state
11.8%Denial rate-2.23 pts vs state
13.5%Decision denial rate-2.87 pts vs state
73.7%Origination rate+5.54 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.03 pts vs state
$85kMedian applicant income
3,258Loans originated
521Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,489 | 2,006 | 8.7% | 6.78% | #15 |
| 2024 | 3,263 | 2,491 | 10.5% | 6.62% | #14 |
| 2025 | 4,421 | 3,258 | 11.8% | 6.38% | #10 |
What United Shore Financial Services lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 793 | 564 | 112 | 14.1% |
| Brown County | 371 | 318 | 24 | 6.5% |
| Waukesha County | 353 | 264 | 37 | 10.5% |
| Outagamie County | 195 | 170 | 11 | 5.6% |
| Dane County | 173 | 120 | 23 | 13.3% |
| Racine County | 166 | 100 | 26 | 15.7% |
| Winnebago County | 160 | 129 | 11 | 6.9% |
| St. Croix County | 138 | 99 | 20 | 14.5% |
| Marathon County | 137 | 113 | 8 | 5.8% |
| Rock County | 132 | 92 | 15 | 11.4% |
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% |
| Community First | A | 4,368 | 6.9% | 5.49% |
Frequently asked questions
Wisconsin: 4,421 applications in 2025, of which 3,258 were originated and 521 denied.
11.8% of all applications, or 13.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans United Shore Financial Services originated in Wisconsin in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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