Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Landmark Credit Union | A | 851 | 644 | 14.0% | 6.50% |
| 2 | Summit Credit Union | A | 354 | 257 | 17.8% | 6.63% |
| 3 | BMO Bank | F | 220 | 153 | 19.6% | 8.23% |
| 4 | Associated Bank | B | 201 | 151 | 16.9% | 6.75% |
| 5 | Rocket Mortgage | C | 189 | 148 | 13.8% | 6.88% |
| 6 | University of Wisconsin Credit Union | A | 185 | 140 | 13.5% | 6.63% |
| 7 | Fairway Independent Mortgage | B | 165 | 113 | 5.5% | 6.63% |
| 8 | Newrez | D | 143 | 81 | 9.8% | 6.63% |
| 9 | U.S. Bank | D | 137 | 87 | 21.9% | 8.00% |
| 10 | Bank Five Nine | A | 118 | 94 | 4.2% | 6.63% |
| 11 | United Shore Financial Services | B | 117 | 90 | 9.4% | 6.50% |
| 12 | Glacier Hills Credit Union | B | 109 | 88 | 5.5% | 6.50% |
| 13 | Guild Mortgage | A | 99 | 75 | 5.1% | 6.63% |
| 14 | Bell Bank | A | 94 | 79 | 9.6% | 6.50% |
| 15 | Forte Bank | A | 79 | 60 | 6.3% | — |
| 16 | Educators Credit Union | B | 69 | 58 | 8.7% | 6.75% |
| 17 | State Bank of Newburg | – | 68 | 57 | 2.9% | — |
| 18 | National Exchange Bank and Trust | C | 67 | 54 | 7.5% | 7.00% |
| 19 | Westbury Bank | A | 64 | 59 | 3.1% | 6.13% |
| 20 | Mortgage Research Center | C | 63 | 40 | 12.7% | 6.50% |
| 21 | JPMorgan Chase Bank | B | 60 | 39 | 5.0% | 6.63% |
| 22 | Ixonia Bank | C | 60 | 42 | 0.0% | 6.63% |
| 23 | Freedom Mortgage | B | 60 | 27 | 10.0% | 6.13% |
| 24 | Pennymac Loan Services | C | 59 | 33 | 13.6% | 6.63% |
| 25 | Horicon Bank | B | 59 | 49 | 5.1% | 6.75% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | CMG Mortgage | 50 | 2.0% |
| 2 | State Bank of Newburg | 63 | 3.2% |
| 3 | Westbury Bank | 61 | 3.3% |
| 4 | Bank Five Nine | 107 | 4.7% |
| 5 | Horicon Bank | 54 | 5.6% |
| 6 | Guild Mortgage | 82 | 6.1% |
| 7 | Glacier Hills Credit Union | 94 | 6.4% |
| 8 | Forte Bank | 75 | 6.7% |
| 9 | Fairway Independent Mortgage | 123 | 7.3% |
| 10 | National Exchange Bank and Trust | 63 | 7.9% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,540 | 3,214 | 13.0% | 6.88% | $155,000 |
| 2024 | 5,131 | 3,568 | 13.1% | 7.00% | $185,000 |
| 2025 | 5,769 | 4,037 | 12.8% | 6.63% | $205,000 |
Frequently asked questions
12.8% of applications in Washington County were denied in 2025, against 14.0% statewide in Wisconsin.
Landmark Credit Union, with 851 applications in 2025 and a denial rate of 14.0%.
The median mortgage application in Washington County in 2025 was for $205,000; the median property value on originated loans was $425,000.