Waukesha State Bank in Wisconsin vs the state
7.1%Denial rate-6.91 pts vs state
7.7%Decision denial rate-8.66 pts vs state
81.2%Origination rate+13.05 pts vs state
6.75%Median rate+0.13 pts vs state
0.19Rate spread (pts)+0.07 pts vs state
$143kMedian applicant income
743Loans originated
65Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 911 | 724 | 10.5% | 7.25% | #41 |
| 2024 | 889 | 712 | 8.3% | 7.25% | #51 |
| 2025 | 915 | 743 | 7.1% | 6.75% | #54 |
What Waukesha State Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Waukesha State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Waukesha County | 595 | 483 | 44 | 7.4% |
| Milwaukee County | 128 | 97 | 9 | 7.0% |
| Washington County | 52 | 46 | 1 | 1.9% |
| Racine County | 27 | 19 | 5 | 18.5% |
| Ozaukee County | 23 | 18 | 2 | 8.7% |
| Walworth County | 20 | 15 | 2 | 10.0% |
| Dodge County | 20 | 19 | 1 | 5.0% |
| Jefferson County | 13 | 9 | 1 | 7.7% |
| Winnebago County | 10 | 10 | 0 | 0.0% |
| Kenosha County | 4 | 4 | 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: 915 applications in 2025, of which 743 were originated and 65 denied.
7.1% of all applications, or 7.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Waukesha State Bank originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Waukesha State 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