refinance lenders · HMDA 2023–2025

Refinance lenders in Winnebago County, Wisconsin

Fat Boy Data analyzed mortgage refinance activity in Winnebago County, Wisconsin, home to Oshkosh, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,684 applications were decided by 130 lenders between 2023 and 2025.

Winnebago County at a glance

130Active lenders18 with 20+ decisions
86.8%Market approval rate1,462 of 1,684 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,382 loans funded

How Winnebago County compares

Approval rate compared
Winnebago County86.8%Wisconsin85.7%All 616 counties76.5%
Typical loan compared
Winnebago County$105KWisconsin$115KAll 616 counties$295K

What the data shows

Community First made the most mortgage refinances in Winnebago County, WI, 274 of them.

Winnebago Community approved the highest share of applications among lenders with at least 20 decisions here, 100% of 65.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%One lender: 75% approved of 20University Of Wisconsin Credit Union: 75% approved of 73Associated Bank, National Association: 76% approved of 102One lender: 80% approved of 69One lender: 82% approved of 44One lender: 83% approved of 54One lender: 87% approved of 38One lender: 87% approved of 39CAPITAL Credit Union: 89% approved of 180One lender: 91% approved of 22One lender: 94% approved of 35United Wholesale Mortgage, LLC: 95% approved of 78Community First: 96% approved of 285One lender: 96% approved of 28One lender: 98% approved of 42One lender: 100% approved of 65One lender: 100% approved of 38One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Winnebago County

LenderApprovalApprovedTaken upTypical loanLoans made
1Community First96%274 / 285100%$85K274
2CAPITAL Credit Union89%160 / 18091%$55K146
3Associated Bank, National Association76%78 / 10296%$75K75
4United Wholesale Mortgage, LLCBroker only95%74 / 7895%$265K70
5University Of Wisconsin Credit Union75%55 / 7395%$95K52

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 125 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Winnebago County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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