Mortgage lenders in Sauk County
1,767 mortgages were made in Sauk County, Wisconsin, in 2025, by 213 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 2,267 decisions, 393 were denials — 17.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Summit Credit Union | 489 | 5.750% | $105,000 | 12.5% |
| Westby Co-op Credit Union | 144 | 7.188% | $100,000 | 2.7% |
| University of Wisconsin Credit Union | 142 | 6.040% | $115,000 | 15.6% |
| Fairway Independent Mortgage Corporation | 78 | 6.500% | $255,000 | 6.0% |
| Baraboo State Bank | 52 | Not published | $255,000 | 20.6% |
| Rocket Mortgage, LLC | 51 | 6.375% | $205,000 | 21.2% |
| BMO Bank National Association | 46 | 8.553% | $120,000 | 42.2% |
| GUILD MORTGAGE COMPANY | 46 | 6.375% | $255,000 | 3.8% |
| The Peoples Community Bank | 38 | Not published | $195,000 | 9.5% |
| Lake Ridge Bank | 34 | 6.375% | $235,000 | 8.1% |
| COMPEER FINANCIAL, FLCA | 33 | 7.000% | $325,000 | 2.6% |
| Prosperity Home Mortgage, LLC | 32 | 6.375% | $265,000 | 0.0% |
| Associated Bank, National Association | 30 | 7.063% | $115,000 | 22.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 6.124% | $305,000 | 17.1% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.375% | $265,000 | 7.7% |
| THOMPSON KANE & COMPANY, INC | 21 | 6.750% | $315,000 | 0.0% |
| Mortgage Research Center, LLC | 20 | 6.250% | $295,000 | 9.1% |
| Connexus Credit Union | 16 | 6.253% | $75,000 | 32.0% |
| One Community Bank | 16 | 7.400% | $100,000 | 0.0% |
| U.S. Bank National Association | 15 | 6.625% | $215,000 | 27.3% |
| Barrington Bank & Trust Company, National Association | 15 | 6.490% | $275,000 | 6.3% |
| Royal Bank | 14 | 7.125% | $190,000 | 28.6% |
| Bell Bank | 14 | 6.750% | $300,000 | 17.7% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.250% | $295,000 | 30.0% |
| 21st Mortgage Corporation | 12 | 11.765% | $75,000 | 69.2% |
| Bank of Wisconsin Dells | 12 | Not published | $210,000 | 20.0% |
| Johnson Financial Group | 11 | 6.850% | $325,000 | 0.0% |
| Heartland Credit Union (Madison) | 10 | 6.990% | $55,000 | 9.1% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 42.1% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 25.0% |
| The Park Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 17.7% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900B0P7ZWM2SQVJ36 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 5 | Under 10 loans | Under 10 loans | 52.6% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Bank First, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DMB Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prevail Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Woodford State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Oak Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Sun Prairie | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Landmark Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Bank of New Glarus | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549004XDCE3LGQW7H72 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Starion Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Deerfield | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WISCONSIN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 92.3% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 76.9% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 1st Community Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY PLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Mid Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dairy State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bay 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% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankIowa of Cedar Rapids | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Badger Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Choice Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank of La Crosse | 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% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACOR MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300F247N2IU8SC024 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CO-OP Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCM Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BEACON CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IAA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 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% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNION HOME MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First | 0 | Under 10 loans | Under 10 loans | Not published |
| First Community CU of Beloit | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FBC MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Simple, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Servion, Inc. | 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% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FLYHOMES MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GERSHMAN INVESTMENT CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, 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 13 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sauk County
25 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Baraboo State Bank | 6 | $437.5 million |
| BMO Bank National Association | 4 | $334.3 million |
| Bank of Prairie du Sac | 2 | $644.3 million |
| The Peoples Community Bank | 2 | $132.5 million |
| Community First Bank | 2 | $114.2 million |
| Royal Bank | 2 | $59.0 million |
| Bank of Wisconsin Dells | 1 | $260.6 million |
| Associated Bank, National Association | 1 | $108.3 million |
| Prevail Bank | 1 | $103.4 million |
| Wells Fargo Bank, National Association | 1 | $99.2 million |
| Farmers and Merchants Union Bank | 1 | $58.8 million |
| Lake Ridge Bank | 1 | $49.8 million |
| Bank of Mauston | 1 | $36.1 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.