SIMPLICITY
SIMPLICITY received 738 applications in 2025 and made 531 mortgages, in 30 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $85,000. Of 620 decisions, 85 were denials — 13.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 98450040E5B6CD69C657 |
|---|---|
| Applications received | 738 |
| Mortgages made | 531 |
| Denied | 85 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 118 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2815 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 167 | 6.250% | $195,000 | 10.6% |
| Refinancing | 128 | 7.250% | $95,000 | 15.1% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 227 | 7.500% | $45,000 | 15.2% |
Where SIMPLICITY lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wood County, WI | 186 | 6.500% | 9.7% |
| Portage County, WI | 97 | 7.000% | 10.2% |
| Clark County, WI | 86 | 7.000% | 22.1% |
| Marathon County, WI | 77 | 7.350% | 7.2% |
| Winnebago County, WI | 19 | 6.000% | 16.7% |
| Waupaca County, WI | 12 | 4.375% | 29.4% |
| Outagamie County, WI | 9 | Under 10 loans | 35.7% |
| Adams County, WI | 4 | Under 10 loans | 0.0% |
| Brown County, WI | 4 | Under 10 loans | 20.0% |
| Calumet County, WI | 4 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 4 | Under 10 loans | 0.0% |
| Oneida County, WI | 4 | Under 10 loans | 0.0% |
| Chippewa County, WI | 3 | Under 10 loans | 0.0% |
| Jackson County, WI | 3 | Under 10 loans | 50.0% |
| Price County, WI | 3 | Under 10 loans | 25.0% |
| Eau Claire County, WI | 2 | Under 10 loans | 33.3% |
| Juneau County, WI | 2 | Under 10 loans | 0.0% |
| Shawano County, WI | 2 | Under 10 loans | 0.0% |
| Waushara County, WI | 2 | Under 10 loans | 0.0% |
| Buffalo County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 66.7% |
| Taylor County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Waukesha County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 0 | Under 10 loans | 100.0% |
| Green Lake County, WI | 0 | Under 10 loans | Not published |
| Lincoln County, WI | 0 | Under 10 loans | Not published |
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When SIMPLICITY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.