Mortgage lenders in Manitowoc County
2,251 mortgages were made in Manitowoc County, Wisconsin, in 2025, by 215 lenders. The median rate their borrowers got was 6.500% on a median loan of $145,000. Of 2,794 decisions, 424 were denials — 15.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bank First, N.A. | 253 | 6.950% | $125,000 | 9.1% |
| UNITEDONE Credit Union | 218 | 6.000% | $75,000 | 11.4% |
| Community First | 199 | 5.490% | $85,000 | 15.0% |
| KOHLER CREDIT UNION | 185 | 6.875% | $105,000 | 8.3% |
| FOX COMMUNITIES Credit Union | 150 | 6.500% | $125,000 | 4.8% |
| SHORELINE CREDIT UNION | 115 | 6.625% | $85,000 | 9.4% |
| Associated Bank, National Association | 93 | 6.625% | $135,000 | 17.5% |
| Rocket Mortgage, LLC | 73 | 6.875% | $155,000 | 33.3% |
| U.S. Bank National Association | 57 | 7.375% | $125,000 | 29.3% |
| Mortgage Research Center, LLC | 43 | 6.250% | $235,000 | 11.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 6.125% | $235,000 | 8.5% |
| Collins State Bank | 36 | Not published | $185,000 | 2.6% |
| Nicolet National Bank | 31 | 7.500% | $165,000 | 11.4% |
| Johnson Financial Group | 28 | 6.775% | $270,000 | 3.3% |
| GUILD MORTGAGE COMPANY | 23 | 6.750% | $195,000 | 14.3% |
| Fairway Independent Mortgage Corporation | 20 | 6.995% | $235,000 | 13.0% |
| CAPITAL Credit Union | 19 | 6.250% | $105,000 | 16.0% |
| MARINE CREDIT UNION | 18 | 9.255% | $130,000 | 47.2% |
| BMO Bank National Association | 18 | 7.880% | $120,000 | 41.9% |
| GUARANTEED RATE, INC. | 18 | 6.588% | $190,000 | 14.3% |
| University of Wisconsin Credit Union | 18 | 6.313% | $135,000 | 18.2% |
| Broker Solutions, Inc. | 17 | 6.875% | $185,000 | 5.3% |
| PLANET HOME LENDING, LLC | 17 | 6.500% | $245,000 | 26.1% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.375% | $210,000 | 5.9% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.250% | $165,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 6.375% | $155,000 | 10.5% |
| Servion, Inc. | 15 | 6.375% | $215,000 | 11.8% |
| National Exchange Bank and Trust | 15 | 6.750% | $155,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 14 | 6.875% | $190,000 | 22.2% |
| GreenStone Farm Credit Services, FLCA | 14 | 6.675% | $355,000 | 0.0% |
| Nations Lending Corporation | 14 | 6.563% | $250,000 | 6.7% |
| Wells Fargo Bank, National Association | 13 | 6.500% | $185,000 | 7.1% |
| Cleveland State Bank | 13 | Not published | $185,000 | 7.1% |
| MLD MORTGAGE INC. | 13 | 6.625% | $205,000 | 0.0% |
| NEWREZ LLC | 11 | 6.375% | $175,000 | 38.9% |
| FIGURE LENDING LLC | 11 | 8.200% | $55,000 | 13.6% |
| Loandepot.Com, LLC | 11 | 6.990% | $115,000 | 25.0% |
| ENVOY MORTGAGE, LTD | 11 | 6.500% | $205,000 | 26.7% |
| COVANTAGE CREDIT UNION | 11 | 6.500% | $105,000 | 14.3% |
| Summit Credit Union | 11 | 6.125% | $125,000 | 20.0% |
| Waterstone Mortgage Corporation | 10 | 7.058% | $190,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| VERVE, A CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Oostburg State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PCM Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol Morgan Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Waldo State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CIBM Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| West Pointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNISON CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| WISCONSIN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Chilton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bank Five Nine | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank - Fox Cities | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GreenLeaf Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sheboygan Area Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Port Washington State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 28.6% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Luxemburg | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| COMPEER FINANCIAL, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 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 | 50.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Midwest Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Range Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| N.E.W. CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prevail Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolf River Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FORTE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Wisconsin Dells | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE ANDERSON FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AbbyBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Forward Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| North Shore Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BrightStar Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KEY MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empeople Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIME FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lake Ridge Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Bankers' Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Heartland Credit Union (Madison) | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 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 15 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Manitowoc County
16 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank First, N.A. | 7 | $1.1 billion |
| Associated Bank, National Association | 2 | $296.9 million |
| Collins State Bank | 2 | $110.9 million |
| Nicolet National Bank | 1 | $308.9 million |
| U.S. Bank National Association | 1 | $123.9 million |
| Cleveland State Bank | 1 | $113.2 million |
| Wells Fargo Bank, National Association | 1 | $54.6 million |
| BMO Bank National Association | 1 | $39.8 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.