Largest lenders in Calumet County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community First | A | 314 | 258 | 4.1% | 5.49% |
| 2 | FOX COMMUNITIES Credit Union | A | 126 | 96 | 4.0% | 6.43% |
| 3 | CAPITAL Credit Union | A | 107 | 90 | 0.9% | 6.00% |
| 4 | Associated Bank | B | 76 | 55 | 19.7% | 6.75% |
| 5 | Rocket Mortgage | C | 61 | 51 | 11.5% | 6.99% |
| 6 | Verve, a Credit Union | B | 58 | 41 | 10.3% | 6.50% |
| 7 | BMO Bank | F | 45 | 27 | 20.0% | 8.05% |
| 8 | Premier Financial Credit Union | – | 44 | 33 | 4.6% | — |
| 9 | Bank First | A | 43 | 39 | 7.0% | 6.88% |
| 10 | United Shore Financial Services | B | 39 | 29 | 10.3% | 6.13% |
| 11 | Nicolet National Bank | A | 38 | 35 | 0.0% | 7.13% |
| 12 | Envoy Mortgage | D | 37 | 30 | 8.1% | 6.63% |
| 13 | East Wisconsin Savings Bank | B | 37 | 30 | 2.7% | — |
| 14 | National Exchange Bank and Trust | C | 34 | 25 | 14.7% | 7.00% |
| 15 | Johnson Financial Group | A | 33 | 30 | 3.0% | 6.63% |
| 16 | Mortgage Research Center | C | 32 | 15 | 25.0% | 6.25% |
| 17 | State Bank of Chilton | – | 31 | 28 | 3.2% | — |
| 18 | Covantage Credit Union | B | 29 | 25 | 0.0% | 6.50% |
| 19 | Waterstone Mortgage | C | 26 | 26 | 0.0% | 6.50% |
| 20 | Pennymac Loan Services | C | 25 | 12 | 4.0% | 5.99% |
| 21 | Fairway Independent Mortgage | B | 25 | 21 | 8.0% | 6.63% |
| 22 | Marine Credit Union | F | 25 | 13 | 28.0% | 8.73% |
| 23 | Wells Fargo Bank | B | 24 | 19 | 8.3% | 6.63% |
| 24 | JPMorgan Chase Bank | B | 24 | 22 | 4.2% | 6.56% |
| 25 | U.S. Bank | D | 24 | 19 | 4.2% | 6.99% |
Best approval odds in Calumet County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | CAPITAL Credit Union | 98 | 1.0% |
| 2 | FOX COMMUNITIES Credit Union | 121 | 4.1% |
| 3 | Community First | 271 | 4.8% |
| 4 | Rocket Mortgage | 58 | 12.1% |
| 5 | Associated Bank | 71 | 21.1% |
What Calumet County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Calumet County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,600 | 1,185 | 10.3% | 6.63% | $145,000 |
| 2024 | 1,856 | 1,393 | 10.0% | 6.75% | $155,000 |
| 2025 | 2,096 | 1,556 | 8.6% | 6.49% | $195,000 |
Frequently asked questions
8.6% of applications in Calumet County were denied in 2025, against 14.0% statewide in Wisconsin.
Community First, with 314 applications in 2025 and a denial rate of 4.1%.
The median mortgage application in Calumet County in 2025 was for $195,000; the median property value on originated loans was $355,000.