Refinancing lenders in Milwaukee County
3,240 refinancing mortgages were made in Milwaukee County, Wisconsin, in 2025, by 265 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 4,336 decisions, 875 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| University of Wisconsin Credit Union | 452 | 7.000% | $105,000 | 20.8% |
| Summit Credit Union | 291 | 7.000% | $105,000 | 24.2% |
| Landmark Credit Union | 264 | 6.500% | $105,000 | 20.9% |
| Rocket Mortgage, LLC | 141 | 5.990% | $215,000 | 17.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 135 | 6.124% | $265,000 | 18.8% |
| North Shore Bank | 108 | 7.500% | $125,000 | 27.9% |
| Associated Bank, National Association | 100 | 7.125% | $105,000 | 20.9% |
| Kiavi Funding, Inc. | 78 | 7.375% | $135,000 | 20.0% |
| Ixonia Bank | 76 | 6.500% | $265,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 75 | 6.000% | $255,000 | 13.8% |
| Tri City National Bank | 64 | 5.990% | $105,000 | 10.5% |
| FREEDOM MORTGAGE CORPORATION | 63 | 6.250% | $245,000 | 7.0% |
| NEWREZ LLC | 57 | 6.125% | $295,000 | 29.3% |
| Johnson Financial Group | 54 | 6.388% | $335,000 | 17.4% |
| JPMorgan Chase Bank, National Association | 48 | 6.125% | $285,000 | 12.5% |
| EDUCATORS CREDIT UNION | 43 | 6.000% | $195,000 | 18.3% |
| A + MORTGAGE SERVICES, INC. | 43 | 6.125% | $305,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 42 | 6.313% | $295,000 | 4.4% |
| TRUSTONE FINANCIAL CREDIT UNION | 41 | 7.250% | $85,000 | 19.3% |
| PNC Bank, National Association | 40 | 7.105% | $105,000 | 37.3% |
| Bank Five Nine | 35 | 6.250% | $275,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 33 | 6.375% | $265,000 | 7.9% |
| NATIONSTAR MORTGAGE LLC | 28 | 5.990% | $245,000 | 3.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.490% | $205,000 | 0.0% |
| The Huntington National Bank | 25 | 6.750% | $285,000 | 13.3% |
| Old National Bank | 24 | 6.199% | $240,000 | 24.2% |
| Waukesha State Bank | 23 | 6.875% | $245,000 | 0.0% |
| CMG MORTGAGE, INC. | 22 | 6.563% | $260,000 | 7.7% |
| U.S. Bank National Association | 22 | 6.125% | $210,000 | 19.4% |
| Mortgage Research Center, LLC | 18 | 5.813% | $285,000 | 28.6% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.375% | $295,000 | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 17 | 7.125% | $265,000 | 4.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.625% | $245,000 | 5.6% |
| Peoples State Bank | 17 | 7.000% | $305,000 | 5.6% |
| Prosperity Home Mortgage, LLC | 16 | 5.813% | $295,000 | 15.0% |
| The Equitable Bank, S.S.B. | 16 | 6.063% | $370,000 | 11.1% |
| Bell Bank | 16 | 6.433% | $235,000 | 11.1% |
| GUARANTEED RATE, INC. | 15 | 6.125% | $275,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.375% | $380,000 | 34.8% |
| WISCONSIN MORTGAGE CORPORATION | 14 | 6.125% | $285,000 | 6.7% |
| A&D Mortgage LLC | 14 | 6.125% | $335,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 14 | 6.125% | $285,000 | 0.0% |
| T2 FINANCIAL LLC | 14 | 8.250% | $170,000 | 12.5% |
| FORTE BANK | 14 | Not published | $320,000 | 0.0% |
| Nations Lending Corporation | 13 | 6.500% | $265,000 | 0.0% |
| PyraMax Bank, FSB | 12 | 6.063% | $255,000 | 23.5% |
| Barrington Bank & Trust Company, National Association | 12 | 6.188% | $370,000 | 0.0% |
| MARINE CREDIT UNION | 11 | 7.980% | $145,000 | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 11 | 6.875% | $95,000 | 42.1% |
| ADVIA Federal Credit Union | 11 | 7.000% | $135,000 | 26.7% |
| Cornerstone First Mortgage, Inc | 11 | 6.990% | $165,000 | 8.3% |
| BPL MORTGAGE TRUST, LLC | 10 | 7.250% | $120,000 | 8.3% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $280,000 | 28.6% |
| Guardian Credit Union | 10 | 6.625% | $165,000 | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.125% | $265,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 13.6% |
| ENDEAVOR CAPITAL, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PRIME FINANCIAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| First-Citizens Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 28.6% |
| Great Midwest Bank, S.S.B. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KOHLER CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Town Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NORTHWESTERN MUTUAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WALKER & DUNLOP, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Marathon Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 14.3% |
| VERVE, A CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Port Washington State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WaterStone Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Spring Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 54.6% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 10.0% |
| COVANTAGE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bank First, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300F247N2IU8SC024 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 83.3% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FOX COMMUNITIES Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Brewery Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Hills Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KS StateBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Sun Prairie | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PremierBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| West Pointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Rock Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 65 lenders each made 1 or fewer mortgages here, and are 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.