Largest lenders in Door County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Nicolet National Bank | A | 298 | 264 | 3.7% | 7.25% |
| 2 | CAPITAL Credit Union | A | 182 | 114 | 7.7% | 6.49% |
| 3 | Associated Bank | B | 87 | 62 | 20.7% | 6.88% |
| 4 | North Shore Bank | C | 63 | 44 | 25.4% | 7.38% |
| 5 | Bank First | A | 51 | 41 | 7.8% | 6.88% |
| 6 | Bank of Luxemburg | B | 50 | 46 | 4.0% | — |
| 7 | Rocket Mortgage | C | 39 | 30 | 20.5% | 6.81% |
| 8 | Johnson Financial Group | A | 38 | 33 | 2.6% | 7.00% |
| 9 | Summit Credit Union | A | 31 | 25 | 3.2% | 6.50% |
| 10 | FOX COMMUNITIES Credit Union | A | 29 | 20 | 6.9% | 6.49% |
| 11 | Barrington Bank & Trust Company | C | 28 | 24 | 7.1% | 6.88% |
| 12 | United Shore Financial Services | B | 24 | 20 | 4.2% | 6.13% |
| 13 | University of Wisconsin Credit Union | A | 22 | 15 | 18.2% | 6.38% |
| 14 | Freedom Mortgage | B | 21 | 10 | 14.3% | 6.00% |
| 15 | Zippy Loans | D | 19 | 8 | 26.3% | 9.35% |
| 16 | U.S. Bank | D | 19 | 8 | 36.8% | 6.94% |
| 17 | Marine Credit Union | F | 17 | 6 | 29.4% | 8.11% |
| 18 | Newrez | D | 15 | 7 | 20.0% | 6.99% |
| 19 | Community First | A | 14 | 8 | 7.1% | 5.75% |
| 20 | Guaranteed Rate | B | 13 | 7 | 0.0% | 6.75% |
| 21 | JPMorgan Chase Bank | B | 12 | 10 | 8.3% | 6.69% |
| 22 | BMO Bank | F | 12 | 8 | 16.7% | 7.63% |
| 23 | GreenStone Farm Credit Services, FLCA | A | 11 | 10 | 0.0% | 6.85% |
| 24 | Mortgage Research Center | C | 9 | 7 | 0.0% | 6.63% |
| 25 | First Colony Mortgage | A | 9 | 7 | 11.1% | 6.88% |
Best approval odds in Door County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Nicolet National Bank | 280 | 3.9% |
| 2 | CAPITAL Credit Union | 148 | 9.5% |
| 3 | Associated Bank | 83 | 21.7% |
| 4 | North Shore Bank | 61 | 26.2% |
What Door County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Door County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,146 | 820 | 12.9% | 7.25% | $205,000 |
| 2024 | 1,372 | 993 | 13.6% | 7.13% | $205,000 |
| 2025 | 1,478 | 1,065 | 10.8% | 6.88% | $230,000 |
Frequently asked questions
10.8% of applications in Door County were denied in 2025, against 14.0% statewide in Wisconsin.
Nicolet National Bank, with 298 applications in 2025 and a denial rate of 3.7%.
The median mortgage application in Door County in 2025 was for $230,000; the median property value on originated loans was $465,000.