Wisconsin · HMDA 2025
Mortgage lenders in Oconto County, WI
175 lenders reported 2,000 home-loan applications in Oconto County in 2025. 1,370 closed as loans ($262.7M), 218 were denied — a 13.2% denial rate on decided applications, below the Wisconsin rate of 16.2%. The three most active lenders handled 21% of applications, led by CAPITAL Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,000
- Loans originated
- 1,370
- Purchase / refinance
- 521 / 537
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oconto County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CAPITAL Credit Union | 178 | 8.9% | — |
| 2 | COVANTAGE CREDIT UNION 59 out of 100, Moderate | 131 | 6.6% | 10.2% |
| 3 | Associated Bank, National Association | 120 | 6.0% | — |
| 4 | N.E.W. CREDIT UNION 77 out of 100, Strong | 102 | 5.1% | 1.7% |
| 5 | FOX COMMUNITIES Credit Union 73 out of 100, Strong | 95 | 4.8% | 4.0% |
| 6 | Rocket Mortgage, LLC | 65 | 3.3% | — |
| 7 | PCM Credit Union 68 out of 100, Moderate | 65 | 3.3% | 3.2% |
| 8 | Community First | 54 | 2.7% | — |
| 9 | Johnson Financial Group 73 out of 100, Strong | 54 | 2.7% | 7.8% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 2.6% | — |
| 11 | Nicolet National Bank 64 out of 100, Moderate | 52 | 2.6% | 4.5% |
| 12 | FIRST COLONY MORTGAGE CORPORATION | 47 | 2.4% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 46 | 2.3% | — |
| 14 | GUARANTEED RATE, INC. | 39 | 1.9% | — |
| 15 | Laona State Bank 56 out of 100, Moderate | 33 | 1.7% | 9.7% |
| 16 | BMO Bank National Association 83 out of 100, Strong | 30 | 1.5% | 40.5% |
| 17 | MARINE CREDIT UNION 53 out of 100, Below average | 30 | 1.5% | 44.9% |
| 18 | Bank First, N.A. 68 out of 100, Moderate | 30 | 1.5% | 9.2% |
| 19 | North Shore Bank 84 out of 100, Strong | 28 | 1.4% | 32.8% |
| 20 | Mortgage Research Center, LLC | 26 | 1.3% | — |
| 21 | Flagstar Bank, N.A. 31 out of 100, Low | 26 | 1.3% | 35.1% |
| 22 | NEWREZ LLC | 25 | 1.3% | — |
| 23 | The Peshtigo National Bank 69 out of 100, Moderate | 25 | 1.3% | 6.3% |
| 24 | Summit Credit Union | 24 | 1.2% | — |
| 25 | The Stephenson National Bank and Trust 66 out of 100, Moderate | 24 | 1.2% | 9.2% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.1% | 14.1% |
| 27 | MOVEMENT MORTGAGE, LLC | 22 | 1.1% | — |
| 28 | GUILD MORTGAGE COMPANY | 22 | 1.1% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 20 | 1.0% | — |
| 30 | TOWNE MORTGAGE COMPANY | 20 | 1.0% | — |
| 31 | Nations Lending Corporation | 19 | 0.9% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 19 | 0.9% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 15 | 0.8% | — |
| 34 | Broker Solutions, Inc. | 13 | 0.7% | — |
| 35 | AmeriSave Mortgage Corporation | 13 | 0.7% | — |
| 36 | SPRING EQ, LLC | 13 | 0.7% | — |
| 37 | University of Wisconsin Credit Union 68 out of 100, Moderate | 13 | 0.7% | 15.4% |
| 38 | PLANET HOME LENDING, LLC | 13 | 0.7% | — |
| 39 | Coastal Community Bank 35 out of 100, Low | 13 | 0.7% | 3.0% |
| 40 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 0.6% | — |
Top 40 of 175 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Wisconsin
- Milwaukee County 34,631 apps
- Dane County 22,884 apps
- Waukesha County 19,347 apps
- Brown County 10,627 apps
- Racine County 9,168 apps
- Rock County 7,985 apps
- Outagamie County 7,887 apps
- Kenosha County 6,979 apps
- Winnebago County 6,765 apps
- Washington County 6,309 apps
- Marathon County 5,233 apps
- Walworth County 4,998 apps