Find a better mortgage lender

Brown County, Wisconsin · 2025

Mortgage lenders in Brown County, WI: denial rates and top lenders (2025)

309 lenders acted on 9,854 mortgage applications for properties in Brown County in 2025. 10.3% were denied (Wisconsin: 14.0%). Median rate on closed loans 6.50%; median loan $185,000; median property value $355,000.

9.9kApplications
10.3%Denial ratestate 14.0%
6.50%Median ratestate 6.63%
$185,000Median loan
$355,000Median property value

Largest lenders in Brown County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CAPITAL Credit Union A 1,091828 6.6%6.25%
2 FOX COMMUNITIES Credit Union A 924759 4.6%6.49%
3 Associated Bank B 749542 19.4%6.88%
4 Community First A 631537 4.9%5.49%
5 Nicolet National Bank A 527472 3.4%7.18%
6 United Shore Financial Services B 371318 6.5%6.50%
7 First Colony Mortgage A 306240 2.3%6.38%
8 Rocket Mortgage C 286218 14.0%6.88%
9 Johnson Financial Group A 268225 7.1%7.00%
10 PCM Credit Union A 262235 3.1%5.99%
11 BMO Bank F 222118 27.9%8.23%
12 Covantage Credit Union B 205173 4.4%6.50%
13 U.S. Bank D 184116 25.0%6.75%
14 Bank First A 183160 7.1%7.00%
15 Nations Lending B 131124 0.8%6.56%
16 North Shore Bank C 13087 30.0%7.25%
17 Guaranteed Rate B 12393 2.4%6.55%
18 Mortgage Research Center C 11973 16.0%6.25%
19 Marine Credit Union F 11048 26.4%8.63%
20 Mld Mortgage A 10296 0.0%6.49%
21 Summit Credit Union A 10172 18.8%6.75%
22 Freedom Mortgage B 9644 10.4%6.06%
23 University of Wisconsin Credit Union A 9072 12.2%6.50%
24 Pennymac Loan Services C 8037 11.3%6.99%
25 Coastal Community Bank C 7214 2.8%10.37%

Best approval odds in Brown County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Luminate Bank500.0%
2Mld Mortgage970.0%
3Nations Lending1290.8%
4First Colony Mortgage2612.7%
5Guaranteed Rate963.1%
6PCM Credit Union2433.3%
7Guild Mortgage563.6%
8Nicolet National Bank4933.7%
9FOX COMMUNITIES Credit Union9014.7%
10Covantage Credit Union1854.9%

What Brown County borrowers applied for

By loan purpose

Home purchase 3,694 37% · 5.4% denied
Refinance 1,616 16% · 10.4% denied
Cash-out refinance 1,844 19% · 13.7% denied
Home improvement 1,058 11% · 15.0% denied
Other / HELOC 1,642 17% · 14.2% denied

By loan type

Conventional 8,728 89% · 9.9% denied
FHA 605 6% · 16.2% denied
VA 516 5% · 9.9% denied
USDA / RHS 5 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 413 42%
Credit history 243 24%
Incomplete application 114 11%
Collateral 108 11%
Other 67 7%
Unverifiable information 17 2%
Insufficient cash 17 2%
Employment history 12 1%
Mortgage insurance denied 2 0%

Brown County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,0555,98710.9%6.88%$145,000
20248,6826,44510.6%6.88%$165,000
20259,8547,33010.3%6.50%$185,000

Frequently asked questions

10.3% of applications in Brown County were denied in 2025, against 14.0% statewide in Wisconsin.

CAPITAL Credit Union, with 1,091 applications in 2025 and a denial rate of 6.6%.

The median mortgage application in Brown County in 2025 was for $185,000; the median property value on originated loans was $355,000.