PlainLender

PremierBank

Fort Atkinson, WI

PremierBank processed 227 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 196 loans with a 7.0% denial rate. Home Purchase was the primary loan purpose. Based in Fort Atkinson, WI. The approval rate of 86.3% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. PremierBank processed 227 HMDA-reported mortgage applications in 2024, originating 196 loans and denying 16 for a denial rate of 7.0% (applicants themselves withdrew 11 files before a decision). The average loan amount was $196,057. The lender reports under LEI 254900G9TLX0Q50U7H04 from Fort Atkinson, WI.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. PremierBank's 86.3% origination rate tells you how often an application turned into funded money; the 7.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (226 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

227
Applications
196
Originated
7.0%
Denial Rate
$196,057
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 226 195 16 $195,973
USDA 1 1 0 $215,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for PremierBank (LEI: 254900G9TLX0Q50U7H04) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 127 110 $254,449
Refinancing 50 44 $176,000
Other 30 25 $66,667
Home Improvement 18 15 $60,000
Cash-out Refinancing 2 2 $155,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 174 83.3% 8.6%
Joint 11 90.9% 9.1%
Black or African American 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 168 85.7% 6.5%
Hispanic or Latino 11 81.8% 18.2%
Joint 4 75.0% 25.0%

Nearby Lenders in WI

Other HMDA-reporting lenders in WI with similar activity. Compare any two side-by-side.

FAIRWAY INDEPENDENT MORT CORP

MADISON, WI

102,501 apps 74,401 originated 4.7% denied

Summit Credit Union

Cottage Grove, WI

15,990 apps 9,929 originated 10.9% denied

UW CREDIT UNION

MADISON, WI

11,177 apps 8,477 originated 12.3% denied

Associated Bank NA

Green Bay, WI

10,999 apps 6,532 originated 24.4% denied

WATERSTONE MORTGAGE CORPORATION

BROOKFIELD, WI

10,792 apps 7,819 originated 4.5% denied
Compare PremierBank vs FAIRWAY INDEPENDENT MORT CORP →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did PremierBank process?
PremierBank processed 227 mortgage applications in the 2023 HMDA reporting year. Of these, 196 were originated (approved and funded), 11 were withdrawn by the applicant, and 16 were denied.
What is PremierBank's mortgage approval rate?
PremierBank has an approval (origination) rate of 86.3%, meaning 86.3% of all applications resulted in a funded mortgage. The denial rate is 7.0%.
What is the average loan amount at PremierBank?
The average mortgage loan amount at PremierBank is $196,057.
What types of mortgage loans does PremierBank offer?
PremierBank processes Conventional, USDA loans. The most common type is Conventional with 226 applications and an average loan amount of $195,973.
What loan purposes does PremierBank serve?
PremierBank serves the following loan purposes: Home Purchase (127 applications), Refinancing (50 applications), Other (30 applications), Home Improvement (18 applications), Cash-out Refinancing (2 applications). Home Purchase is the most common purpose.
Where is PremierBank located?
PremierBank is headquartered in Fort Atkinson, WI. The lender is identified by LEI 254900G9TLX0Q50U7H04 in HMDA data.
How does PremierBank compare in lending across racial demographics?
PremierBank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 83.3% and denial rate of 8.6%; Joint applicants have an approval rate of 90.9% and denial rate of 9.1%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.