States › Wisconsin › Ozaukee County
Ozaukee County, Wisconsin
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Ozaukee County, Wisconsin, saw 3,157 HMDA-reported applications and 2,186 originations ($634m) in 2024.
That is 57.1 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 14.9%, below the state rate of 17.1%. The median rate spread on originated loans was 0.2 percentage points and 10.4% of originations were 1.5 points or more above the average prime offer rate.
26 lenders reached 25 applications in the county; the most active by originations were Landmark Credit Union (199), BMO Harris Bank NA (144) and Port Washington State Bank (138).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Landmark Credit Union | 267 | 199 | $32m | 10.9% | — |
| 2 | BMO Harris Bank NA | 214 | 144 | $29m | 17.2% | — |
| 3 | Port Washington State Bank | 175 | 138 | $32m | 8.4% | — |
| 4 | Associated Bank NA | 192 | 134 | $33m | 19.6% | — |
| 5 | Uw Credit Union | 169 | 128 | $23m | 11.3% | — |
| 6 | Summit Credit Union | 159 | 114 | $23m | 12.5% | — |
| 7 | Kohler Credit Union | 107 | 76 | $15m | 12.6% | — |
| 8 | Rocket Mortgage | 80 | 64 | $19m | 14.1% | — |
| 9 | Us Bank, N.A. | 100 | 62 | $16m | 26.7% | — |
| 10 | Johnson Bank | 75 | 53 | $19m | 15.9% | — |
| 11 | Fairway Independent Mort Corp | 62 | 51 | $19m | 3.8% | — |
| 12 | Newrez LLC | 72 | 45 | $14m | 19.6% | — |
| 13 | United Wholesale Mortgage | 52 | 42 | $16m | 10.6% | — |
| 14 | Bank First N.A. | 47 | 41 | $11m | 10.9% | — |
| 15 | A+ Mortgage Services Inc. | 40 | 37 | $15m | 0.0% | — |
| 16 | Bank Five Nine | 45 | 36 | $13m | 4.8% | — |
| 17 | Great Midwest Bank SSB | 36 | 34 | $17m | 2.9% | — |
| 18 | North Shore Bank | 44 | 32 | $6.8m | 25.0% | — |
| 19 | The Equitable Bank Ssb | 32 | 27 | $12m | 6.5% | — |
| 20 | Guaranteed Rate Affinity, LLC | 31 | 26 | $10m | 0.0% | — |
| 21 | Educators Credit Union | 44 | 25 | $4.9m | 30.0% | — |
| 22 | Guild Mortgage Company | 32 | 24 | $8.9m | 7.4% | — |
| 23 | JPMorgan Chase Bank, NA | 31 | 20 | $8.2m | — | — |
| 24 | Mortgage Research Center | 28 | 16 | $5.7m | — | — |
| 25 | Discover Bank | 55 | 9 | $755k | 69.7% | — |
| 26 | Coastal Community Bank | 31 | 7 | $495k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 26. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 14.9% | 17.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.4% | 11.0% | 15.6% |
| Average originated loan | $290k | $223k | $329k |
| Originations per 1,000 households | 57.1 | 55.4 | 48.0 |
| Home purchase share of originations | 46.7% | 46.3% | 57.0% |
| FHA-insured share | 3.2% | 5.6% | 13.4% |
| VA-guaranteed share | 3.6% | 4.3% | 7.9% |
Rate spread distribution
Share of 1,859 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Wisconsin). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 47% (1,021)Home improvement 14% (313)Refinancing 15% (336)Cash-out refinancing 12% (259)Other purpose 12% (255)
By type
Conventional 93% (2,038)FHA 3% (69)VA 4% (79)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Ozaukee County, WI?
By 2024 originations: Landmark Credit Union (199), BMO Harris Bank NA (144), Port Washington State Bank (138), Associated Bank NA (134), Uw Credit Union (128). 26 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Ozaukee County?
14.9% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Ozaukee County in 2024?
2,186 loans totalling $634m, from 3,157 applications; 57.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 55089; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.