Largest lenders in Rock County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Summit Credit Union | A | 789 | 579 | 15.1% | 6.88% |
| 2 | Blackhawk Community Credit Union | B | 533 | 452 | 7.7% | 7.50% |
| 3 | Johnson Financial Group | A | 408 | 344 | 5.2% | 6.75% |
| 4 | University of Wisconsin Credit Union | A | 396 | 288 | 17.2% | 6.50% |
| 5 | ADVIA Federal Credit Union | D | 362 | 224 | 24.0% | 7.00% |
| 6 | Rocket Mortgage | C | 286 | 223 | 12.9% | 6.63% |
| 7 | Guild Mortgage | A | 257 | 228 | 2.0% | 6.63% |
| 8 | Associated Bank | B | 247 | 164 | 27.1% | 7.00% |
| 9 | BMO Bank | F | 206 | 122 | 24.8% | 8.09% |
| 10 | Educators Credit Union | B | 157 | 109 | 21.0% | 6.88% |
| 11 | Zippy Loans | D | 156 | 53 | 38.5% | 8.00% |
| 12 | Mortgage Research Center | C | 153 | 91 | 20.9% | 6.25% |
| 13 | The First National Bank and Trust | C | 147 | 121 | 4.1% | 7.13% |
| 14 | United Shore Financial Services | B | 132 | 92 | 11.4% | 6.25% |
| 15 | First Mid Bank & Trust | C | 126 | 83 | 23.8% | 6.88% |
| 16 | U.S. Bank | D | 112 | 64 | 32.1% | 6.63% |
| 17 | Fairway Independent Mortgage | B | 105 | 75 | 8.6% | 6.75% |
| 18 | First Community CU of Beloit | D | 96 | 71 | 14.6% | — |
| 19 | Newrez | D | 86 | 34 | 19.8% | 6.50% |
| 20 | Thompson Kane & Company | A | 85 | 74 | 1.2% | 6.88% |
| 21 | Old National Bank | B | 83 | 56 | 20.5% | 6.24% |
| 22 | Bank of Milton | – | 78 | 65 | 7.7% | — |
| 23 | Freedom Mortgage | B | 76 | 33 | 11.8% | 6.25% |
| 24 | Lake Ridge Bank | A | 75 | 61 | 5.3% | 5.49% |
| 25 | First Community Bank | – | 75 | 71 | 0.0% | — |
Best approval odds in Rock County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Community Bank | 71 | 0.0% |
| 2 | Thompson Kane & Company | 75 | 1.3% |
| 3 | Guild Mortgage | 238 | 2.1% |
| 4 | The First National Bank and Trust | 128 | 4.7% |
| 5 | Johnson Financial Group | 391 | 5.4% |
| 6 | Lake Ridge Bank | 66 | 6.1% |
| 7 | Bank of Milton | 75 | 8.0% |
| 8 | Blackhawk Community Credit Union | 493 | 8.3% |
| 9 | Fairway Independent Mortgage | 84 | 10.7% |
| 10 | Mortgage Center L.c | 60 | 13.3% |
What Rock County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rock County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,433 | 4,447 | 16.2% | 7.00% | $105,000 |
| 2024 | 6,862 | 4,794 | 15.7% | 7.13% | $125,000 |
| 2025 | 7,481 | 5,140 | 15.1% | 6.88% | $145,000 |
Frequently asked questions
15.1% of applications in Rock County were denied in 2025, against 14.0% statewide in Wisconsin.
Summit Credit Union, with 789 applications in 2025 and a denial rate of 15.1%.
The median mortgage application in Rock County in 2025 was for $145,000; the median property value on originated loans was $295,000.