United Trust Bank in Wisconsin vs the state
12.5%Denial rate-1.51 pts vs state
12.5%Decision denial rate-3.86 pts vs state
87.5%Origination rate+19.35 pts vs state
6.75%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.36 pts vs state
$83kMedian applicant income
21Loans originated
3Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 5 | 16.7% | 6.38% | #532 |
| 2025 | 24 | 21 | 12.5% | 6.75% | #399 |
What United Trust Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 3 | 3 | 0 | 0.0% |
| Sheboygan County | 3 | 2 | 1 | 33.3% |
| Winnebago County | 2 | 1 | 1 | 50.0% |
| Rock County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Milwaukee County | 2 | 2 | 0 | 0.0% |
| Racine County | 1 | 1 | 0 | 0.0% |
| Burnett County | 1 | 1 | 0 | 0.0% |
| Waukesha County | 1 | 1 | 0 | 0.0% |
| Dane County | 1 | 1 | 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: 24 applications in 2025, of which 21 were originated and 3 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans United Trust Bank originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are United Trust 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