V.i.p. Mortgage in Wisconsin vs the state
6.7%Denial rate-7.34 pts vs state
7.9%Decision denial rate-8.42 pts vs state
77.3%Origination rate+9.18 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)+0.02 pts vs state
$108kMedian applicant income
58Loans originated
5Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 450 | 381 | 2.4% | 6.88% | #84 |
| 2024 | 236 | 194 | 2.1% | 6.50% | #123 |
| 2025 | 75 | 58 | 6.7% | 6.50% | #291 |
What V.i.p. Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Outagamie County | 19 | 15 | 3 | 15.8% |
| Brown County | 8 | 5 | 0 | 0.0% |
| Winnebago County | 6 | 5 | 1 | 16.7% |
| Dane County | 3 | 3 | 0 | 0.0% |
| Milwaukee County | 3 | 3 | 0 | 0.0% |
| Marathon County | 3 | 3 | 0 | 0.0% |
| Waupaca County | 2 | 2 | 0 | 0.0% |
| La Crosse County | 2 | 1 | 0 | 0.0% |
| Rock County | 2 | 2 | 0 | 0.0% |
| Shawano County | 2 | 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: 75 applications in 2025, of which 58 were originated and 5 denied.
6.7% of all applications, or 7.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans V.i.p. Mortgage originated in Wisconsin in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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