Refinancing lenders in Dane County
4,386 refinancing mortgages were made in Dane County, Wisconsin, in 2025, by 201 lenders. The median rate their borrowers got was 6.250% on a median loan of $175,000. Of 5,142 decisions, 567 were denials — 11.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Summit Credit Union | 1,374 | 5.625% | $110,000 | 8.8% |
| University of Wisconsin Credit Union | 1,342 | 7.000% | $135,000 | 15.1% |
| The Park Bank | 135 | 6.000% | $215,000 | 5.5% |
| Lake Ridge Bank | 128 | 5.490% | $160,000 | 7.0% |
| Barrington Bank & Trust Company, National Association | 96 | 6.125% | $415,000 | 4.0% |
| THOMPSON KANE & COMPANY, INC | 69 | 6.625% | $405,000 | 1.4% |
| Rocket Mortgage, LLC | 64 | 5.990% | $305,000 | 14.7% |
| Fairway Independent Mortgage Corporation | 62 | 6.125% | $365,000 | 8.8% |
| The Bank of New Glarus | 56 | 6.375% | $395,000 | 0.0% |
| Associated Bank, National Association | 55 | 7.000% | $115,000 | 29.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 5.990% | $395,000 | 11.9% |
| Johnson Financial Group | 49 | 6.240% | $395,000 | 0.0% |
| Bell Bank | 44 | 6.125% | $435,000 | 8.2% |
| GUILD MORTGAGE COMPANY | 42 | 6.125% | $330,000 | 2.2% |
| DUPACO COMMUNITY | 41 | 6.375% | $165,000 | 6.8% |
| Old National Bank | 40 | 5.925% | $165,000 | 16.0% |
| One Community Bank | 37 | 7.500% | $175,000 | 7.5% |
| NEWREZ LLC | 34 | 5.990% | $395,000 | 10.3% |
| Heartland Credit Union (Madison) | 32 | 6.990% | $65,000 | 11.1% |
| U.S. Bank National Association | 27 | 6.125% | $345,000 | 6.9% |
| 254900B0P7ZWM2SQVJ36 | 24 | Not published | $330,000 | 4.0% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 5.933% | $365,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 23 | 6.125% | $355,000 | 4.2% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.125% | $345,000 | 9.1% |
| Bank of Sun Prairie | 21 | 6.375% | $305,000 | 27.3% |
| Prosperity Home Mortgage, LLC | 18 | 5.995% | $355,000 | 0.0% |
| DMB Community Bank | 18 | Not published | $435,000 | 9.5% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.000% | $365,000 | 10.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 5.995% | $335,000 | 11.1% |
| Bank of Deerfield | 14 | Not published | $255,000 | 0.0% |
| Landmark Credit Union | 12 | 5.990% | $545,000 | 20.0% |
| Bank Five Nine | 12 | 5.938% | $485,000 | 6.7% |
| Nations Lending Corporation | 12 | 5.995% | $335,000 | 0.0% |
| Town Bank, N.A. | 11 | Not published | $655,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.935% | $490,000 | 0.0% |
| Farmers Savings Bank | 10 | Not published | $310,000 | 7.7% |
| Mound City Bank | 10 | Not published | $520,000 | 8.3% |
| Ixonia Bank | 10 | 6.688% | $380,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Starion Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Wings Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Brodhead | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Oak Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Bank First, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Badger Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Farmers & Merchants State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Great Midwest Bank, S.S.B. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 43.8% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| COVANTAGE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A + MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Woodford State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Milton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PremierBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fox Valley Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waukesha State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Synergy One Lending, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Stillman BancCorp N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| East Wisconsin Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITYAMERICA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Union Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VERIDIAN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| SIRVA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stifel Bank and Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| St. Charles Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers and Merchants Union Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 0 | Under 10 loans | Under 10 loans | Not published |
| Northbrook Bank and Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 1 lender each made 0 or fewer mortgages here, and is counted in the totals above.
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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.