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Fond du Lac County, Wisconsin · 2025

Mortgage lenders in Fond du Lac County, WI: denial rates and top lenders (2025)

238 lenders acted on 3,942 mortgage applications for properties in Fond du Lac County in 2025. 14.3% were denied (Wisconsin: 14.0%). Median rate on closed loans 6.75%; median loan $155,000; median property value $285,000.

3.9kApplications
14.3%Denial ratestate 14.0%
6.75%Median ratestate 6.63%
$155,000Median loan
$285,000Median property value

Largest lenders in Fond du Lac County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 National Exchange Bank and Trust C 444358 7.4%6.95%
2 Marine Credit Union F 21392 29.6%9.06%
3 Verve, a Credit Union B 205156 9.8%6.50%
4 Associated Bank B 192147 13.0%6.75%
5 U.S. Bank D 181122 16.6%6.50%
6 Bank First A 156130 4.5%6.80%
7 Summit Credit Union A 12989 19.4%6.56%
8 Rocket Mortgage C 11985 20.2%6.88%
9 Guild Mortgage A 114106 1.8%6.63%
10 Horicon Bank B 10883 11.1%6.75%
11 Fox Valley Savings Bank A 9882 5.1%—
12 Community First A 8766 9.2%5.49%
13 BMO Bank F 7944 21.5%8.18%
14 Newrez D 6929 21.7%7.13%
15 Mortgage Research Center C 6945 11.6%6.25%
16 Landmark Credit Union A 6449 15.6%6.50%
17 University of Wisconsin Credit Union A 5742 19.3%6.38%
18 Zippy Loans D 5312 39.6%8.00%
19 Freedom Mortgage B 4929 8.2%6.25%
20 Compeer Financial, Flca C 4935 8.2%7.13%
21 Triad Financial Services D 4815 54.2%9.65%
22 Pennymac Loan Services C 4428 18.2%7.06%
23 American Pacific Mortgage C 4433 9.1%6.75%
24 United Shore Financial Services B 4229 14.3%6.47%
25 Nations Lending B 3936 2.6%6.75%

Best approval odds in Fond du Lac County

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

#LenderDecidedDecision denial rate
1Guild Mortgage1081.9%
2Bank First1444.9%
3Fox Valley Savings Bank875.8%
4National Exchange Bank and Trust4197.9%
5Community First7410.8%
6Verve, a Credit Union17911.2%
7Horicon Bank9512.6%
8Associated Bank17514.3%
9Mortgage Research Center5315.1%
10Landmark Credit Union6016.7%

What Fond du Lac County borrowers applied for

By loan purpose

Home purchase 1,611 41% · 9.0% denied
Refinance 579 15% · 12.4% denied
Cash-out refinance 923 23% · 21.5% denied
Home improvement 393 10% · 13.5% denied
Other / HELOC 436 11% · 21.8% denied

By loan type

Conventional 3,379 86% · 13.8% denied
FHA 358 9% · 19.8% denied
VA 197 5% · 12.2% denied
USDA / RHS 8 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 184 33%
Credit history 170 31%
Collateral 81 15%
Incomplete application 50 9%
Other 47 9%
Unverifiable information 7 1%
Insufficient cash 7 1%
Employment history 5 1%

Fond du Lac County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1742,19015.3%7.13%$115,000
20243,4872,36315.3%7.00%$135,000
20253,9422,68014.3%6.75%$155,000

Frequently asked questions

14.3% of applications in Fond du Lac County were denied in 2025, against 14.0% statewide in Wisconsin.

National Exchange Bank and Trust, with 444 applications in 2025 and a denial rate of 7.4%.

The median mortgage application in Fond du Lac County in 2025 was for $155,000; the median property value on originated loans was $285,000.