Mortgage lending in Rock County, Wisconsin
Lenders in Rock County, Wisconsin reported 7,481 mortgage applications for 2025, according to the CFPB.
7,481 mortgage applications and 5,140 loans originated in 2025; the denial rate was 17.5% of 6,469 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Janesville-Beloit, WI MSA.
- 7,481
- Applications
- 5,140
- Loans originated
- 17.5%
- Denial rate
- 1,129 denied of 6,469 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,481 | 5,140 |
| 2024 | 6,862 | 4,794 |
| 2023 | 6,433 | 4,447 |
| 2022 | 7,867 | 5,450 |
| 2021 | 11,684 | 8,419 |
| 2020 | 11,443 | 8,400 |
| 2019 | 8,269 | 5,921 |
| 2018 | 7,334 | 5,314 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Summit Credit Union | 579 | 789 |
| Blackhawk Community Credit Uni | 452 | 533 |
| Johnson Bank | 344 | 408 |
| Uw Credit Union | 288 | 396 |
| Guild Mortgage Company | 228 | 257 |
| Advia Credit Union | 224 | 362 |
| Rocket Mortgage | 223 | 286 |
| Associated Bank NA | 164 | 247 |
| BMO Harris Bank NA | 122 | 206 |
| First National Bank and Trust | 121 | 147 |
| Educators Credit Union | 109 | 157 |
| United Wholesale Mortgage | 92 | 132 |
| Mortgage Research Center | 91 | 153 |
| First Mid Bank and Trust, NA | 83 | 126 |
| Fairway Independent Mort Corp | 75 | 105 |
| Thompson Kane & Company, Inc | 74 | 85 |
| First Community Credit Union of Beloit | 71 | 96 |
| First Community Bank | 71 | 75 |
| Bank of Milton | 65 | 78 |
| US Bank, N.A. | 64 | 112 |
| Lake Ridge Bank | 61 | 75 |
| Old National Bank | 56 | 83 |
| Zippy Loans, LLC | 53 | 156 |
| Mortgage Center LC | 52 | 69 |
| The Bank of New Glarus | 45 | 49 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 56 | no rate: base under 50 |
| Black or African American | 164 | 34.4% of 128 decided |
| Native Hawaiian or Other Pacific Islander | 10 | no rate: base under 50 |
| White | 6,144 | 16.7% of 5,381 decided |
| 2 or more minority races | under 10 | |
| Joint | 138 | 19.2% of 120 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 933 | 19.8% of 758 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 442 | 30.7% of 375 decided |
| Not Hispanic or Latino | 5,958 | 16.5% of 5,199 decided |
| Joint | withheld | |
| Ethnicity Not Available | 911 | 18.6% of 744 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,257 | 20.5% of 1,918 decided |
| Female | 1,634 | 22.0% of 1,407 decided |
| Joint | 3,011 | 13.0% of 2,671 decided |
| Sex Not Available | 579 | 16.7% of 473 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1895 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved