Westbury Bank in Wisconsin vs the state
3.0%Denial rate-11.05 pts vs state
3.2%Decision denial rate-13.19 pts vs state
90.4%Origination rate+22.22 pts vs state
6.25%Median rate-0.38 pts vs state
-0.04Rate spread (pts)-0.16 pts vs state
$116kMedian applicant income
122Loans originated
4Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 140 | 130 | 2.9% | 6.75% | #175 |
| 2024 | 92 | 76 | 7.6% | 6.50% | #249 |
| 2025 | 135 | 122 | 3.0% | 6.25% | #221 |
What Westbury Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Westbury Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 64 | 59 | 2 | 3.1% |
| Waukesha County | 20 | 19 | 0 | 0.0% |
| Milwaukee County | 12 | 11 | 0 | 0.0% |
| Fond du Lac County | 9 | 7 | 0 | 0.0% |
| Racine County | 5 | 4 | 0 | 0.0% |
| Sheboygan County | 5 | 5 | 0 | 0.0% |
| Ozaukee County | 4 | 4 | 0 | 0.0% |
| Dodge County | 3 | 3 | 0 | 0.0% |
| Crawford County | 2 | 1 | 0 | 0.0% |
| Walworth 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: 135 applications in 2025, of which 122 were originated and 4 denied.
3.0% of all applications, or 3.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Westbury Bank originated in Wisconsin in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Westbury 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