Wnb Financial in Wisconsin vs the state
9.4%Denial rate-4.61 pts vs state
10.6%Decision denial rate-5.78 pts vs state
79.5%Origination rate+11.34 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)+0.08 pts vs state
$158kMedian applicant income
93Loans originated
11Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 99 | 4.4% | 6.63% | #200 |
| 2024 | 99 | 82 | 3.0% | 7.13% | #235 |
| 2025 | 117 | 93 | 9.4% | 6.63% | #234 |
What Wnb Financial lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Wnb Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| La Crosse County | 66 | 49 | 9 | 13.6% |
| Eau Claire County | 10 | 9 | 0 | 0.0% |
| Chippewa County | 6 | 6 | 0 | 0.0% |
| Buffalo County | 5 | 4 | 0 | 0.0% |
| Trempealeau County | 5 | 4 | 0 | 0.0% |
| Pepin County | 4 | 4 | 0 | 0.0% |
| Clark County | 4 | 3 | 0 | 0.0% |
| Rusk County | 4 | 3 | 0 | 0.0% |
| Juneau County | 3 | 3 | 0 | 0.0% |
| Sawyer County | 3 | 2 | 1 | 33.3% |
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: 117 applications in 2025, of which 93 were originated and 11 denied.
9.4% of all applications, or 10.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Wnb Financial originated in Wisconsin in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Wnb Financial'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