Refinancing lenders in Waukesha County
2,828 refinancing mortgages were made in Waukesha County, Wisconsin, in 2025, by 213 lenders. The median rate their borrowers got was 6.375% on a median loan of $255,000. Of 3,346 decisions, 408 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Summit Credit Union | 410 | 7.000% | $135,000 | 12.7% |
| Landmark Credit Union | 338 | 6.500% | $105,000 | 12.3% |
| University of Wisconsin Credit Union | 293 | 7.000% | $155,000 | 13.4% |
| Waukesha State Bank | 122 | 6.750% | $160,000 | 8.8% |
| Associated Bank, National Association | 103 | 7.000% | $105,000 | 24.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 99 | 5.955% | $395,000 | 11.9% |
| NEWREZ LLC | 95 | 6.125% | $405,000 | 8.3% |
| Rocket Mortgage, LLC | 78 | 5.990% | $335,000 | 17.2% |
| Fairway Independent Mortgage Corporation | 66 | 6.375% | $390,000 | 1.5% |
| North Shore Bank | 65 | 5.625% | $155,000 | 16.7% |
| Johnson Financial Group | 65 | 6.375% | $355,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 53 | 6.375% | $445,000 | 5.3% |
| Bank Five Nine | 50 | 6.313% | $345,000 | 3.6% |
| GUILD MORTGAGE COMPANY | 49 | 6.375% | $365,000 | 7.4% |
| U.S. Bank National Association | 46 | 6.625% | $255,000 | 9.6% |
| A + MORTGAGE SERVICES, INC. | 40 | 6.125% | $350,000 | 2.4% |
| Ixonia Bank | 39 | 6.500% | $385,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 39 | 5.990% | $335,000 | 4.8% |
| FREEDOM MORTGAGE CORPORATION | 34 | 5.750% | $370,000 | 2.5% |
| Tri City National Bank | 28 | 5.873% | $120,000 | 14.7% |
| EDUCATORS CREDIT UNION | 27 | 5.750% | $295,000 | 0.0% |
| The Huntington National Bank | 24 | 6.250% | $430,000 | 11.1% |
| The Equitable Bank, S.S.B. | 22 | 6.058% | $390,000 | 3.9% |
| Great Midwest Bank, S.S.B. | 21 | 6.125% | $385,000 | 4.0% |
| PNC Bank, National Association | 21 | 7.490% | $125,000 | 8.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 20 | 6.563% | $305,000 | 9.1% |
| Barrington Bank & Trust Company, National Association | 19 | 6.125% | $475,000 | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 18 | 7.188% | $200,000 | 17.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 17 | 6.125% | $455,000 | 5.6% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.490% | $385,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 5.859% | $515,000 | 11.1% |
| A&D Mortgage LLC | 15 | 6.125% | $445,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.475% | $395,000 | 0.0% |
| Old National Bank | 14 | 5.995% | $215,000 | 23.8% |
| Bell Bank | 14 | 6.250% | $385,000 | 12.5% |
| NATIONSTAR MORTGAGE LLC | 14 | 5.990% | $335,000 | 0.0% |
| Nations Lending Corporation | 13 | 6.375% | $425,000 | 0.0% |
| Citizens Bank | 12 | Not published | $275,000 | 31.6% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 5.990% | $345,000 | 43.3% |
| CMG MORTGAGE, INC. | 11 | 6.500% | $345,000 | 0.0% |
| Loandepot.Com, LLC | 11 | 5.250% | $325,000 | 8.3% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $425,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 10 | 5.750% | $430,000 | 9.1% |
| WISCONSIN MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHWESTERN MUTUAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Alerus Financial, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CIBM Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PyraMax Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Westbury Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Guardian Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Horicon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PremierBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KOHLER CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLC Community Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900B0P7ZWM2SQVJ36 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Newburg | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Hills Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Greenwood's State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| National Exchange Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WaterStone Bank, SSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brewery Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| N.E.W. CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oostburg State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Collins State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank of La Crosse | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank - Fox Cities | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Port Washington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol Morgan Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of the Lakes, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FORTE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oak Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 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% |
| Bank of Sun Prairie | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIMPLICITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Granite Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Marathon Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Lake Ridge Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 13 lenders each made 0 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.