Zippy Loans in Wisconsin vs the state
32.2%Denial rate+18.21 pts vs state
50.5%Decision denial rate+34.15 pts vs state
31.2%Origination rate-36.95 pts vs state
8.00%Median rate+1.38 pts vs state
0.02Rate spread (pts)-0.10 pts vs state
$48kMedian applicant income
337Loans originated
348Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 477 | 152 | 38.2% | 8.00% | #85 |
| 2025 | 1,080 | 337 | 32.2% | 8.00% | #46 |
What Zippy Loans lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock County | 156 | 53 | 60 | 38.5% |
| Barron County | 104 | 48 | 34 | 32.7% |
| Marathon County | 75 | 24 | 21 | 28.0% |
| Fond du Lac County | 53 | 12 | 21 | 39.6% |
| Dunn County | 49 | 18 | 14 | 28.6% |
| Winnebago County | 48 | 14 | 15 | 31.3% |
| Marinette County | 39 | 17 | 10 | 25.6% |
| Waupaca County | 38 | 10 | 10 | 26.3% |
| Green County | 36 | 17 | 8 | 22.2% |
| Columbia County | 33 | 10 | 14 | 42.4% |
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: 1,080 applications in 2025, of which 337 were originated and 348 denied.
32.2% of all applications, or 50.5% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Zippy Loans originated in Wisconsin in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Zippy Loans'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