Mortgage lenders in Sheboygan County
2,973 mortgages were made in Sheboygan County, Wisconsin, in 2025, by 247 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 3,583 decisions, 486 were denials — 13.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| KOHLER CREDIT UNION | 360 | 7.063% | $105,000 | 6.7% |
| Bank First, N.A. | 272 | 6.875% | $175,000 | 9.4% |
| Rocket Mortgage, LLC | 140 | 6.625% | $165,000 | 20.8% |
| Oostburg State Bank | 134 | Not published | $180,000 | 1.4% |
| U.S. Bank National Association | 125 | 6.875% | $195,000 | 16.7% |
| Summit Credit Union | 118 | 1.490% | $100,000 | 13.9% |
| UNITEDONE Credit Union | 87 | 6.000% | $95,000 | 16.5% |
| Associated Bank, National Association | 80 | 7.000% | $85,000 | 21.2% |
| National Exchange Bank and Trust | 80 | 6.688% | $125,000 | 7.8% |
| Cleveland State Bank | 79 | Not published | $165,000 | 3.5% |
| BMO Bank National Association | 77 | 8.430% | $115,000 | 17.7% |
| GUILD MORTGAGE COMPANY | 70 | 6.563% | $225,000 | 2.6% |
| Sheboygan Area Credit Union | 66 | Not published | $55,000 | 8.2% |
| Johnson Financial Group | 63 | 6.750% | $245,000 | 2.7% |
| Waldo State Bank | 59 | Not published | $215,000 | 3.2% |
| UNION HOME MORTGAGE CORP. | 47 | 6.625% | $205,000 | 2.0% |
| CIBM Bank | 46 | 6.562% | $215,000 | 0.0% |
| University of Wisconsin Credit Union | 43 | 6.125% | $195,000 | 18.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 6.125% | $245,000 | 19.2% |
| Landmark Credit Union | 39 | 6.500% | $125,000 | 17.0% |
| Bell Bank | 35 | 6.625% | $235,000 | 9.8% |
| Cornerstone First Mortgage, Inc | 32 | 6.933% | $205,000 | 3.0% |
| UMB Bank, National Association | 31 | 5.990% | $65,000 | 48.4% |
| Collins State Bank | 30 | Not published | $175,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 5.990% | $195,000 | 6.1% |
| NATIONSTAR MORTGAGE LLC | 29 | 8.375% | $75,000 | 9.4% |
| Broker Solutions, Inc. | 28 | 6.875% | $210,000 | 19.4% |
| Mortgage Research Center, LLC | 26 | 6.250% | $280,000 | 23.5% |
| MARINE CREDIT UNION | 22 | 8.180% | $110,000 | 37.0% |
| Loandepot.Com, LLC | 22 | 6.990% | $115,000 | 26.7% |
| The Port Washington State Bank | 22 | Not published | $165,000 | 10.7% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $245,000 | 6.5% |
| Wells Fargo Bank, National Association | 19 | 6.500% | $175,000 | 9.1% |
| NEWREZ LLC | 18 | 7.125% | $130,000 | 17.4% |
| Community First | 17 | 5.490% | $95,000 | 10.5% |
| Bank Five Nine | 17 | 6.250% | $215,000 | 5.6% |
| Servion, Inc. | 15 | 6.500% | $195,000 | 5.9% |
| EDUCATORS CREDIT UNION | 15 | 6.875% | $55,000 | 6.3% |
| ENVOY MORTGAGE, LTD | 13 | 6.625% | $215,000 | 23.5% |
| TOWNE MORTGAGE COMPANY | 13 | 6.750% | $195,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 6.625% | $225,000 | 0.0% |
| Coastal Community Bank | 11 | 10.490% | $35,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 11 | 6.625% | $295,000 | 8.3% |
| COMPEER FINANCIAL, FLCA | 11 | 7.125% | $285,000 | 0.0% |
| SPRING EQ, LLC | 10 | 9.163% | $55,000 | 54.2% |
| WISCONSIN MORTGAGE CORPORATION | 10 | 6.688% | $310,000 | 9.1% |
| JPMorgan Chase Bank, National Association | 10 | 6.990% | $295,000 | 0.0% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 36.8% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 61.9% |
| COVANTAGE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Zippy Loans, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wolf River Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FORTE BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Nicolet National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Westbury Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Glacier Hills Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FOX COMMUNITIES Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SHORELINE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol Morgan Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 72.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIME FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 58.3% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 53.8% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Great Midwest Bank, S.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waukesha State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home State Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Pointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Equitable Bank, S.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCM Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WNB FINANCIAL, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Stephenson National Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Luxemburg | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PyraMax Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 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% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Illinois Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERVE, A CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLC Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westby Co-op Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 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 47 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sheboygan County
29 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| National Exchange Bank and Trust | 5 | $214.9 million |
| Oostburg State Bank | 4 | $388.4 million |
| UMB Bank, National Association | 4 | $294.6 million |
| BMO Bank National Association | 3 | $212.8 million |
| Bank First, N.A. | 2 | $676.5 million |
| Wells Fargo Bank, National Association | 2 | $288.0 million |
| U.S. Bank National Association | 2 | $216.8 million |
| Cleveland State Bank | 2 | $96.6 million |
| Associated Bank, National Association | 1 | $262.6 million |
| Waldo State Bank | 1 | $127.4 million |
| Hiawatha National Bank | 1 | $78.7 million |
| Johnson Bank | 1 | $67.3 million |
| Collins State Bank | 1 | $55.8 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.