Mortgage lenders in Oneida County
1,083 mortgages were made in Oneida County, Wisconsin, in 2025, by 216 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 1,363 decisions, 236 were denials — 17.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COVANTAGE CREDIT UNION | 205 | 6.500% | $75,000 | 9.9% |
| Nicolet National Bank | 120 | 7.343% | $205,000 | 3.9% |
| Associated Bank, National Association | 67 | 6.875% | $105,000 | 33.0% |
| Rocket Mortgage, LLC | 50 | 6.688% | $155,000 | 21.2% |
| BMO Bank National Association | 47 | 8.300% | $105,000 | 32.9% |
| Peoples State Bank | 43 | 6.875% | $205,000 | 16.1% |
| IncredibleBank | 34 | 6.625% | $255,000 | 16.7% |
| Summit Credit Union | 30 | 5.313% | $125,000 | 8.6% |
| Ixonia Bank | 29 | 6.990% | $215,000 | 0.0% |
| U.S. Bank National Association | 26 | 6.875% | $225,000 | 33.3% |
| GUILD MORTGAGE COMPANY | 23 | 6.875% | $335,000 | 7.4% |
| University of Wisconsin Credit Union | 20 | 5.813% | $250,000 | 13.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 6.625% | $275,000 | 21.7% |
| Mortgage Research Center, LLC | 16 | 6.188% | $285,000 | 27.3% |
| Loandepot.Com, LLC | 13 | 6.990% | $225,000 | 27.8% |
| Forward Bank | 11 | 6.500% | $245,000 | 8.3% |
| Bank Five Nine | 11 | 6.625% | $355,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Landmark Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Johnson Financial Group | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FOX COMMUNITIES Credit Union | 6 | Under 10 loans | Under 10 loans | 20.0% |
| One Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FIGURE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIMPLICITY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prevail Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EDUCATORS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAPITAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Partners Bank of Wisconsin | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Laona State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Community First | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AbbyBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwestern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Ridge Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East Wisconsin Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Hills Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Park Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stillman BancCorp N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marathon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cloverbelt Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank And Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Intercity State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waukesha State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300F247N2IU8SC024 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WaterStone Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolf River Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holcomb Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 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% |
| DMB Community 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% |
| Chippewa Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Equitable Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cleveland State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERVE, A CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Wisconsin Dells | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Charles Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WINNEBAGO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German-American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 33.3% |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| North Shore Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MARINE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| KEY MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Synergy One Lending, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fox Valley Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Valley Communities Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Baraboo State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| West Pointe Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 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 16 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Oneida County
12 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| BMO Bank National Association | 3 | $215.9 million |
| Associated Bank, National Association | 2 | $292.5 million |
| Peoples State Bank | 2 | $191.7 million |
| Nicolet National Bank | 2 | $162.9 million |
| IncredibleBank | 1 | $191.1 million |
| U.S. Bank National Association | 1 | $106.2 million |
| Forward Bank | 1 | $9.8 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.