Mortgage lenders in Rock County
5,139 mortgages were made in Rock County, Wisconsin, in 2025, by 301 lenders. The median rate their borrowers got was 6.750% on a median loan of $155,000. Of 6,467 decisions, 1,128 were denials — 17.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Summit Credit Union | 579 | 6.365% | $85,000 | 16.3% |
| Blackhawk Community Credit Union | 452 | 7.500% | $75,000 | 8.1% |
| Johnson Financial Group | 344 | 6.750% | $205,000 | 5.4% |
| University of Wisconsin Credit Union | 288 | 5.875% | $105,000 | 18.9% |
| GUILD MORTGAGE COMPANY | 228 | 6.625% | $215,000 | 2.1% |
| ADVIA Federal Credit Union | 224 | 7.000% | $65,000 | 27.3% |
| Rocket Mortgage, LLC | 223 | 6.625% | $175,000 | 13.9% |
| Associated Bank, National Association | 164 | 7.000% | $105,000 | 28.9% |
| BMO Bank National Association | 122 | 8.093% | $115,000 | 28.8% |
| The First National Bank and Trust Company | 121 | 7.125% | $135,000 | 4.7% |
| EDUCATORS CREDIT UNION | 109 | 6.875% | $65,000 | 21.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 92 | 6.249% | $245,000 | 13.9% |
| Mortgage Research Center, LLC | 91 | 6.250% | $295,000 | 26.0% |
| First Mid Bank & Trust, National Association | 83 | 6.875% | $125,000 | 26.3% |
| Fairway Independent Mortgage Corporation | 75 | 6.750% | $245,000 | 10.7% |
| THOMPSON KANE & COMPANY, INC | 74 | 6.875% | $240,000 | 1.3% |
| First Community CU of Beloit | 71 | Not published | $115,000 | 16.5% |
| First Community Bank | 71 | Not published | $195,000 | 0.0% |
| Bank of Milton | 65 | Not published | $155,000 | 8.0% |
| U.S. Bank National Association | 64 | 6.625% | $190,000 | 36.0% |
| Lake Ridge Bank | 61 | 5.490% | $125,000 | 6.1% |
| Old National Bank | 56 | 6.240% | $105,000 | 22.4% |
| Zippy Loans, LLC | 53 | 8.000% | $55,000 | 53.1% |
| MORTGAGE CENTER L.C | 52 | 6.500% | $145,000 | 13.3% |
| The Bank of New Glarus | 45 | 6.750% | $225,000 | 2.1% |
| Barrington Bank & Trust Company, National Association | 42 | 6.500% | $250,000 | 10.6% |
| PENNYMAC LOAN SERVICES, LLC | 39 | 5.990% | $235,000 | 24.5% |
| The Bank of Brodhead | 39 | Not published | $155,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 35 | 6.490% | $155,000 | 10.0% |
| NEWREZ LLC | 34 | 6.500% | $230,000 | 32.1% |
| GREENSTATE Credit Union | 34 | 6.638% | $185,000 | 9.8% |
| 254900B0P7ZWM2SQVJ36 | 34 | Not published | $265,000 | 5.6% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.250% | $235,000 | 19.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 32 | 6.625% | $175,000 | 14.3% |
| Loandepot.Com, LLC | 31 | 6.875% | $155,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.870% | $235,000 | 0.0% |
| CBI Bank & Trust | 25 | 7.500% | $95,000 | 30.6% |
| Nations Lending Corporation | 25 | 6.750% | $225,000 | 10.0% |
| Bell Bank | 25 | 6.375% | $305,000 | 7.4% |
| Bank of Deerfield | 25 | Not published | $145,000 | 10.7% |
| NATIONSTAR MORTGAGE LLC | 22 | 7.688% | $80,000 | 8.3% |
| One Community Bank | 21 | 7.250% | $165,000 | 8.7% |
| GUARANTEED RATE, INC. | 20 | 6.525% | $210,000 | 9.1% |
| Landmark Credit Union | 20 | 6.500% | $75,000 | 28.6% |
| Farmers and Merchants Union Bank | 20 | Not published | $105,000 | 9.1% |
| Heartland Credit Union (Madison) | 19 | 7.490% | $55,000 | 9.5% |
| Broker Solutions, Inc. | 18 | 7.000% | $145,000 | 30.8% |
| PremierBank | 18 | Not published | $120,000 | 10.0% |
| Coastal Community Bank | 17 | 9.490% | $35,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 16 | 6.625% | $280,000 | 11.1% |
| FIGURE LENDING LLC | 15 | 8.550% | $25,000 | 30.4% |
| Ixonia Bank | 15 | 6.625% | $205,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 13 | 7.250% | $305,000 | 21.1% |
| PLANET HOME LENDING, LLC | 13 | 6.375% | $225,000 | 13.3% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.375% | $230,000 | 41.7% |
| WISCONSIN MORTGAGE CORPORATION | 12 | 6.250% | $235,000 | 14.3% |
| MARINE CREDIT UNION | 11 | 9.605% | $75,000 | 45.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.625% | $175,000 | 39.1% |
| Navy Federal Credit Union | 11 | 7.250% | $155,000 | 31.3% |
| PNC Bank, National Association | 11 | 6.980% | $145,000 | 26.7% |
| AmeriSave Mortgage Corporation | 10 | 9.625% | $85,000 | 61.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.563% | $185,000 | 0.0% |
| Lendage, LLC | 10 | 11.750% | $75,000 | 9.1% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ENVOY MORTGAGE, LTD | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of Sun Prairie | 8 | Under 10 loans | Under 10 loans | 21.4% |
| Bankers' Bank | 8 | Under 10 loans | Under 10 loans | 25.0% |
| The Park Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bank Five Nine | 7 | Under 10 loans | Under 10 loans | 10.0% |
| DUPACO COMMUNITY | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Sauk Valley Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Servion, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Badger Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 80.8% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 76.9% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| National Exchange Bank and Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank First, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Stillman BancCorp N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DMB Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Peoples Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Byron Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Midland States Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers & Merchants State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Woodford State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oak Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Members Alliance Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 93.8% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East Wisconsin Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Community Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Forward Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 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% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Starion 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 101 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Rock County
34 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| BMO Bank National Association | 5 | $522.2 million |
| Bank First, N.A. | 4 | $480.7 million |
| First Mid Bank & Trust, National Association | 3 | $359.0 million |
| Johnson Bank | 2 | $495.5 million |
| Associated Bank, National Association | 2 | $375.8 million |
| JPMorgan Chase Bank, National Association | 2 | $267.9 million |
| Bank of Milton | 2 | $193.7 million |
| Lake Ridge Bank | 2 | $149.7 million |
| The Bank of Brodhead | 2 | $99.9 million |
| Town Bank, National Association | 2 | $76.3 million |
| First Community Bank | 1 | $141.8 million |
| Old National Bank | 1 | $96.4 million |
| U.S. Bank National Association | 1 | $59.9 million |
| Bank Cmg | 1 | $42.1 million |
| CBI Bank & Trust | 1 | $38.7 million |
| PremierBank | 1 | $28.0 million |
| Farmers and Merchants Union Bank | 1 | $19.5 million |
| Sauk Valley Bank & Trust Company | 1 | $6.4 million |
Closed since the 2025 survey
8 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- The Bank of Brodhead, 144 Merchant Row, Milton
- The First National Bank and Trust Company, 1795 Madison Rd, Beloit
- The First National Bank and Trust Company, 1882 E Inman Pkwy, Beloit
- The First National Bank and Trust Company, 2111 Holiday Drive, Janesville
- The First National Bank and Trust Company, 2600 Cranston Rd, Beloit
- The First National Bank and Trust Company, 2636 S Us Highway 51, Janesville
- The First National Bank and Trust Company, 345 E Grand Ave, Beloit
- The First National Bank and Trust Company, 500 Peck Ave, Clinton
Get told when this changes
When the next year’s lending figures are out for Rock County, or a lender arrives or leaves.
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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.