Waukesha State Bank mortgage approval rate & lending review
Waukesha State Bank decided 2,021 mortgage applications and funded 1,783 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Waukesha State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Waukesha State Bank at a glance
Approval is 14.4 points above the 77.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 775 / 797 | 97% | $345K | 751 |
| Home improvement loans | 84% | 399 / 475 | 93% | $65K | 371 |
| Cash-out refinance | 88% | 51 / 58 | 96% | $225K | 49 |
| Refinance | 93% | 493 / 530 | 96% | $175K | 472 |
| Investment property purchase | 92% | 101 / 110 | 96% | $165K | 97 |
| Investment refinance | 90% | 28 / 31 | 96% | $275K | 27 |
Waukesha State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 92% | $175K | 2,009 | 1,772 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Waukesha State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Waukesha County, WI | Mortgage lenders | 99% | 493 | 470 |
| Waukesha County, WI | Refinance | 92% | 397 | 350 |
| Waukesha County, WI | Home improvement loans | 86% | 373 | 298 |
| Milwaukee County, WI | Mortgage lenders | 93% | 174 | 156 |
| Washington County, WI | Mortgage lenders | 95% | 57 | 53 |
| Milwaukee County, WI | Investment property purchase | 89% | 57 | 48 |
| Milwaukee County, WI | Refinance | 96% | 50 | 46 |
| Milwaukee County, WI | Home improvement loans | 79% | 56 | 41 |
| Waukesha County, WI | Cash-out refinance | 91% | 43 | 37 |
| Waukesha County, WI | Investment property purchase | 93% | 41 | 37 |
| Washington County, WI | Refinance | 97% | 38 | 35 |
| Racine County, WI | Mortgage lenders | 100% | 25 | 24 |
The county markets where Waukesha State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Waukesha State Bank
What is Waukesha State Bank's mortgage approval rate?
Waukesha State Bank approved 92.2% of the 2,021 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 77.8% national rate for the same mix of loan types.
How often do borrowers take the loan Waukesha State Bank offers?
Borrowers accepted 96% of the loans Waukesha State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Waukesha State Bank make?
The typical home purchase mortgage loan Waukesha State Bank made was $345K; across all loan types its typical loan ran from $65K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Waukesha State Bank lend?
Waukesha State Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Arizona.
Can I apply to Waukesha State Bank directly?
Yes. Waukesha State Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Waukesha State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Waukesha State Bank treats applications, then get a rate quote from the lender.