Largest lenders in Ozaukee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Landmark Credit Union | A | 355 | 283 | 11.0% | 6.50% |
| 2 | Associated Bank | B | 204 | 151 | 17.2% | 6.75% |
| 3 | BMO Bank | F | 200 | 129 | 16.5% | 8.25% |
| 4 | Summit Credit Union | A | 197 | 139 | 13.7% | 6.88% |
| 5 | University of Wisconsin Credit Union | A | 180 | 134 | 12.8% | 6.75% |
| 6 | The Port Washington State Bank | A | 176 | 142 | 4.6% | — |
| 7 | Kohler Credit Union | B | 97 | 76 | 6.2% | 7.25% |
| 8 | Johnson Financial Group | A | 96 | 85 | 3.1% | 6.85% |
| 9 | Rocket Mortgage | C | 95 | 72 | 9.5% | 6.50% |
| 10 | U.S. Bank | D | 86 | 54 | 19.8% | 7.90% |
| 11 | Fairway Independent Mortgage | B | 77 | 61 | 6.5% | 6.75% |
| 12 | Newrez | D | 75 | 45 | 13.3% | 6.50% |
| 13 | Educators Credit Union | B | 68 | 56 | 13.2% | 6.95% |
| 14 | Bank Five Nine | A | 68 | 55 | 1.5% | 6.75% |
| 15 | North Shore Bank | C | 63 | 46 | 22.2% | 6.69% |
| 16 | Bank First | A | 59 | 46 | 11.9% | 6.88% |
| 17 | A + Mortgage Services | A | 54 | 50 | 1.9% | 6.50% |
| 18 | United Shore Financial Services | B | 52 | 40 | 11.5% | 6.63% |
| 19 | Ixonia Bank | C | 43 | 36 | 0.0% | 6.93% |
| 20 | Great Midwest Bank, S.S.B. | B | 43 | 35 | 0.0% | 6.75% |
| 21 | Guaranteed Rate Affinity | A | 41 | 34 | 0.0% | 6.54% |
| 22 | JPMorgan Chase Bank | B | 39 | 24 | 7.7% | 6.56% |
| 23 | Guild Mortgage | A | 38 | 29 | 2.6% | 6.63% |
| 24 | Pennymac Loan Services | C | 30 | 20 | 6.7% | 6.50% |
| 25 | The Equitable Bank, S.S.B. | B | 29 | 21 | 10.3% | 6.13% |
Best approval odds in Ozaukee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Bank Five Nine | 60 | 1.7% |
| 2 | A + Mortgage Services | 51 | 2.0% |
| 3 | Johnson Financial Group | 94 | 3.2% |
| 4 | The Port Washington State Bank | 164 | 4.9% |
| 5 | Kohler Credit Union | 82 | 7.3% |
| 6 | Fairway Independent Mortgage | 66 | 7.6% |
| 7 | Rocket Mortgage | 86 | 10.5% |
| 8 | Landmark Credit Union | 326 | 12.0% |
| 9 | Bank First | 54 | 13.0% |
| 10 | Educators Credit Union | 66 | 13.6% |
What Ozaukee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ozaukee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,133 | 2,247 | 12.5% | 6.88% | $175,000 |
| 2024 | 3,157 | 2,186 | 12.7% | 6.99% | $225,000 |
| 2025 | 3,595 | 2,529 | 12.0% | 6.75% | $245,000 |
Frequently asked questions
12.0% of applications in Ozaukee County were denied in 2025, against 14.0% statewide in Wisconsin.
Landmark Credit Union, with 355 applications in 2025 and a denial rate of 11.0%.
The median mortgage application in Ozaukee County in 2025 was for $245,000; the median property value on originated loans was $495,000.