Johnson Bank mortgage approval rate & lending review
Johnson Bank decided 6,981 mortgage applications and funded 6,070 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Johnson Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Johnson Bank at a glance
Approval is 12.2 points above the 80.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 3,936 / 4,109 | 92% | $305K | 3,631 |
| Home improvement loans | 87% | 1,028 / 1,178 | 96% | $105K | 983 |
| Cash-out refinance | 82% | 220 / 267 | 92% | $195K | 202 |
| Refinance | 92% | 876 / 955 | 97% | $255K | 848 |
| Investment property purchase | 94% | 316 / 335 | 93% | $215K | 293 |
| Investment cash-out refinance | 85% | 46 / 54 | 98% | $185K | 45 |
| Investment refinance | 88% | 46 / 52 | 93% | $255K | 43 |
| Investment home improvement | 84% | 26 / 31 | 96% | $155K | 25 |
Johnson Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 93% | $305K | 6,548 | 5,705 |
| Illinois | 86% | $435K | 185 | 146 |
| Florida | 97% | $335K | 78 | 72 |
| Arizona | 89% | $305K | 45 | 39 |
| Minnesota | 100% | $315K | 41 | 34 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Johnson Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Milwaukee County, WI | Mortgage lenders | 95% | 781 | 676 |
| Rock County, WI | Mortgage lenders | 97% | 585 | 528 |
| Racine County, WI | Mortgage lenders | 96% | 560 | 488 |
| Dane County, WI | Mortgage lenders | 98% | 418 | 388 |
| Waukesha County, WI | Mortgage lenders | 98% | 421 | 384 |
| Kenosha County, WI | Mortgage lenders | 94% | 367 | 320 |
| Brown County, WI | Mortgage lenders | 95% | 354 | 304 |
| Racine County, WI | Home improvement loans | 86% | 167 | 136 |
| Rock County, WI | Home improvement loans | 90% | 151 | 134 |
| Waukesha County, WI | Home improvement loans | 92% | 151 | 131 |
| Kenosha County, WI | Home improvement loans | 86% | 160 | 129 |
| Waukesha County, WI | Refinance | 97% | 130 | 121 |
The county markets where Johnson Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Johnson Bank
What is Johnson Bank's mortgage approval rate?
Johnson Bank approved 93.0% of the 6,981 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 80.8% national rate for the same mix of loan types.
How often do borrowers take the loan Johnson Bank offers?
Borrowers accepted 93% of the loans Johnson Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Johnson Bank make?
The typical home purchase mortgage loan Johnson Bank made was $305K; across all loan types its typical loan ran from $105K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Johnson Bank lend?
Johnson Bank decided applications in 22 of the states Fat Boy Data covers, most of them in Wisconsin, Illinois and Florida.
Can I apply to Johnson Bank directly?
Yes. Johnson Bank is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Johnson Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Johnson Bank treats applications, then get a rate quote from the lender.