WaterStone Bank in Wisconsin vs the state
19.4%Denial rate+5.43 pts vs state
20.2%Decision denial rate+3.83 pts vs state
72.2%Origination rate+4.07 pts vs state
—Median rate
—Rate spread (pts)
$67kMedian applicant income
78Loans originated
21Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 74 | 7.8% | — | #214 |
| 2024 | 74 | 58 | 13.5% | — | #282 |
| 2025 | 108 | 78 | 19.4% | — | #245 |
What WaterStone Bank lends in Wisconsin
By loan purpose
By loan type
Where in Wisconsin
Counties with the most WaterStone Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 66 | 48 | 13 | 19.7% |
| Waukesha County | 18 | 11 | 5 | 27.8% |
| Washington County | 6 | 3 | 2 | 33.3% |
| Racine County | 3 | 2 | 0 | 0.0% |
| Outagamie County | 2 | 2 | 0 | 0.0% |
| Burnett County | 2 | 1 | 1 | 50.0% |
| Winnebago County | 1 | 1 | 0 | 0.0% |
| Forest County | 1 | 1 | 0 | 0.0% |
| Juneau County | 1 | 1 | 0 | 0.0% |
| Rock 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: 108 applications in 2025, of which 78 were originated and 21 denied.
19.4% of all applications, or 20.2% 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 WaterStone 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