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Mortgage Lenders and Brokers in Oshkosh, Wisconsin

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Oshkosh, Wisconsin mortgage lenders include Verve, A Credit UnionVerve, A Credit Union2900 Universal St, Oshkosh, WI 54904A+5.0 ★Texas Ratio: 2.73%, US Bank, N.A.US Bank, N.A.111 N Main St, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 2.85%, West Pointe BankWest Pointe Bank1750 Witzel Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 3.95%, Associated Bank NAAssociated Bank NA1765 W 20th Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 3.45%, Winnebago Community Credit UnionWinnebago Community Credit Union567 E Snell Rd, Oshkosh, WI 54901A+5.0 ★Texas Ratio: 0.65%, Nicolet National BankNicolet National Bank1041 N Westhaven Dr, Oshkosh, WI 54904A+5.0 ★Texas Ratio: 2.28%, Fox Valley Savings BankFox Valley Savings Bank1700 W 20th Ave, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 1.60%, Bank First N.A.Bank First N.A.1159 N Koeller St, Oshkosh, WI 54902A+5.0 ★Texas Ratio: 3.47%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2280 Wisconsin State Road 44, Oshkosh, WI 54903A+5.0 ★Texas Ratio: 3.68%, and Horicon BankHoricon Bank2251 Omro Rd, Oshkosh, WI 54904A5.0 ★Texas Ratio: 6.71%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Oshkosh, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oshkosh are listed first, then lenders elsewhere in Wisconsin, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Oshkosh, Wisconsin

Market share is the lender's share of all home loans closed in Oshkosh, Wisconsin. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Verve, A Credit Union 2900 Universal St, Oshkosh, WI 54904 A+5.0 ★Texas Ratio: 2.73%	Conventional, FHA, Jumbo, HELOC	71 +101 HELOCs	4.8%	87.1%	$154,295	View
US Bank, N.A. 2 offices in Oshkosh 111 N Main St, Oshkosh, WI 54901 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	58 +15 HELOCs	3.9%	88.1%	$237,413	View
West Pointe Bank 1750 Witzel Ave, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 3.95%	Conventional	41	2.8%	100%	$207,926	View
Associated Bank NA 3 offices in Oshkosh 1765 W 20th Ave, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 3.45%	Conventional, VA, HELOC	37 +39 HELOCs	2.5%	95%	$208,513	View
Winnebago Community Credit Union 567 E Snell Rd, Oshkosh, WI 54901 A+5.0 ★Texas Ratio: 0.65%	Conventional	37	2.5%	97.4%	$141,756	View
Nicolet National Bank 1 office in Oshkosh 1041 N Westhaven Dr, Oshkosh, WI 54904 A+5.0 ★Texas Ratio: 2.28%	Conventional, HELOC	19 +22 HELOCs	1.3%	82.6%	$243,947	View
Fox Valley Savings Bank 1 office in Oshkosh 1700 W 20th Ave, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 1.60%	Conventional	19	1.3%	100%	$200,789	View
Bank First N.A. 1 office in Oshkosh 1159 N Koeller St, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 3.47%	Conventional, Jumbo, HELOC	18 +13 HELOCs	1.2%	100%	$310,555	View
JPMorgan Chase Bank, NA 1 office in Oshkosh 2280 Wisconsin State Road 44, Oshkosh, WI 54903 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	13	0.9%	76.5%	$277,307	View
Horicon Bank 1 office in Oshkosh 2251 Omro Rd, Oshkosh, WI 54904 A5.0 ★Texas Ratio: 6.71%	Conventional	12	0.8%	100%	$246,666	View
Fortifi Bank 1 office in Oshkosh 400 N Koeller St, Oshkosh, WI 54902 A-5.0 ★Texas Ratio: 14.91%	Conventional	8	0.5%	100%	$213,750	View
BMO Harris Bank NA 2 offices in Oshkosh 2100 Omro Rd, Oshkosh, WI 54904 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	7 +25 HELOCs	0.5%	58.3%	$207,857	View
Old National Bank 1 office in Oshkosh 420 S Koeller St Frnt, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	6 +12 HELOCs	0.4%	100%	$151,666	View
Bristol Morgan Bank 1 office in Oshkosh 2201 Jackson St, Oshkosh, WI 54901 A+5.0 ★Texas Ratio: 3.34%	Conventional	3	0.2%	100%	$181,666	View
Community First Credit Union 2424 Westowne Ave, Oshkosh, WI 54904 A+5.0 ★Texas Ratio: 0.82%	Conventional	238	16%	91.2%	$118,067	View
Fox Communities Credit Union 1870 Oshkosh Ave, Oshkosh, WI 54902 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	55 +13 HELOCs	3.7%	93.1%	$157,363	View
Capital Credit Union 2495 Jackson St, Oshkosh, WI 54901 A+5.0 ★Texas Ratio: 5.78%	Conventional, HELOC	32 +6 HELOCs	2.1%	91.9%	$181,875	View
Wells Fargo Bank NA 3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA, Jumbo	28	1.9%	96.6%	$268,571	View
Covantage Credit Union Antigo Middle School, Antigo, WI 54409 A5.0 ★Texas Ratio: 10.08%	Conventional, HELOC	19 +7 HELOCs	1.3%	100%	$217,631	View
Ixonia Bank 491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	12	0.8%	85.7%	$159,166	View
Marine Credit Union 302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08%	Conventional, HELOC	10 +1 HELOCs	0.7%	50%	$120,000	View
National Exchange Bank and Trust 901 Wisconsin St, Adell, WI 53001 A+5.0 ★Texas Ratio: 1.09%	Conventional, HELOC	9 +7 HELOCs	0.6%	100%	$166,111	View
Summit Credit Union 871 Commerce Ave, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 4.84%	Conventional, HELOC	7 +7 HELOCs	0.5%	100%	$186,428	View
Bank Five Nine 18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25%	Conventional, FHA	7	0.5%	100%	$292,142	View
East Wisconsin Savings Bank 1501 N Casaloma Dr, Appleton, WI 54913 B-3.3 ★Texas Ratio: 0.83%	Conventional	5	0.3%	100%	$181,000	View
Simplicity Credit Union 1401 E Becker Road, 54449, WI 00000 A5.0 ★Texas Ratio: 9.92%	Conventional	5	0.3%	83.3%	$49,000	View
Wolf River Community Bank W6490 Greenville Dr, Greenville, WI 54942 A+5.0 ★Texas Ratio: 0.34%	Conventional	4	0.3%	100%	$172,500	View
Prospera Credit Union 90 Wisconsin St, Oshkosh, WI 54901 3562 A+5.0 ★Texas Ratio: 1.92%	Conventional	4	0.3%	100%	$70,000	View
Waukesha State Bank 18300 W Capitol Dr, Brookfield, WI 53045 A+5.0 ★Texas Ratio: 1.44%	Conventional, VA	3	0.2%	100%	$278,333	View
Premier Community Bank 108 Railroad Ave, Bear Creek, WI 54922 A5.0 ★Texas Ratio: 8.53%	Conventional	3	0.2%	100%	$165,000	View
Landmark Credit Union 106 E Main St, Beaver Dam, WI 53916 1837 A+5.0 ★Texas Ratio: 3.05%	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$145,000	View
Johnson Bank 222 W College Ave, Appleton, WI 54911 A+5.0 ★Texas Ratio: 1.47%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$340,000	View
North Shore Bank 1100 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 0.50%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$160,000	View
BLC Community Bank 206 E Main St, Little Chute, WI 54140 A+5.0 ★Texas Ratio: 0.19%	Conventional	2	0.1%	100%	$485,000	View
American National Bank Fox Cities 2200 N Richmond St, Appleton, WI 54911 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.1%	100%	$160,000	View
Huntington National Bank 12850 W Bluemound Rd, Elm Grove, WI 53122 A+5.0 ★Texas Ratio: 3.66%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$165,000	View
Collins State Bank 314 S Main St, Brillion, WI 54110 A+5.0 ★Texas Ratio: 2.71%	Conventional	1	0.1%	100%	$205,000	View
Flagstar Bank NA 100 E 1st St, Gillett, WI 54124 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$115,000	View
Security Financial Bank 141 W Main St, Alma Center, WI 54611 A5.0 ★Texas Ratio: 11.46%	Conventional	1	0.1%	100%	$175,000	View
Citizens State Bank 601 S Main St, Elmwood, WI 54740 A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$255,000	View
Wisconsin Mortgage Corporation 1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$105,000	View
Stephenson National Bank & Trust 606 Henriette Ave, Crivitz, WI 54114 A5.0 ★Texas Ratio: 10.38%	Conventional	1	0.1%	100%	$135,000	View
Town Bank, N.A. 2664 Prairie Ave, Beloit, WI 53511 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$405,000	View
Bank of Deerfield 15 S Main St, Deerfield, WI 53531 A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$165,000	View
Hiawatha National Bank 220 E Oak St, Glenwood City, WI 54013 A-5.0 ★Texas Ratio: 15.06%	Conventional	1	0.1%	100%	$225,000	View
Kohler Credit Union 2550 Washington St, Grafton, WI 53024 9397 A+5.0 ★Texas Ratio: 2.37%	HELOC	0 +1 HELOCs	0%	n/a		View
Educators Credit Union 1154 Cranston Rd, Beloit, WI 53511 A+5.0 ★Texas Ratio: 4.30%	HELOC	0 +1 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 12805 W Bluemound Rd, Brookfield, WI 53005 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +1 HELOCs	0%	100%		View
First American Bank 1350 22nd Ave, Kenosha, WI 53140 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Waterstone Mortgage Corporation A+5.0 ★Texas Ratio: 2.07%	Conventional, FHA, VA	38	2.6%	97.4%	$140,789	View
Fairway Independent Mort Corp	Conventional, FHA, VA	34	2.3%	91.9%	$229,705
Uw Credit Union	Conventional, VA, HELOC	10 +25 HELOCs	0.7%	100%	$196,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$245,000	View
Compeer Financial	Conventional, Jumbo	2	0.1%	66.7%	$260,000
Educated Mortgage Services LLC	FHA	1	0.1%	100%	$455,000
A+ Mortgage Services, Inc.	Conventional	1	0.1%	100%	$165,000
Rocket Mortgage	Conventional, FHA, VA	81	5.4%	80.8%	$189,814
United Wholesale Mortgage	Conventional, FHA, VA	57	3.8%	96.7%	$248,859
Guild Mortgage Company	Conventional, FHA, VA	45	3%	93.9%	$171,000
Home State Bank National Association A+5.0 ★Texas Ratio: 0.47%	Conventional, FHA	38	2.6%	92.9%	$174,736	View
Nations Lending Corporation	Conventional, FHA, VA	35	2.4%	97.4%	$210,142
Mortgage Research Center	Conventional, VA	31	2.1%	79.5%	$243,709
loanDepot.com LLC	Conventional, FHA, VA, HELOC	19 +2 HELOCs	1.3%	95.2%	$178,157
Freedom Mortgage Corporation	Conventional, FHA, VA	16	1.1%	87%	$191,250
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	14	0.9%	93.3%	$261,428	View
Pennymac Loan Services LLC	Conventional, FHA, VA	12	0.8%	81.2%	$190,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	11	0.7%	91.7%	$198,636	View
Cardinal Financial Company, Li	Conventional, FHA, VA	11	0.7%	91.7%	$176,818
Primary Residential Mortgage, INC.	Conventional, FHA	10	0.7%	100%	$174,000
First Colony Mortgage Corporat	Conventional, FHA	10	0.7%	100%	$209,000
American Pacific Mortgage Corporation	Conventional, FHA	9	0.6%	100%	$183,888
Newrez LLC	Conventional, FHA, VA	8	0.5%	66.7%	$223,750
Guaranteed Rate, Inc.	Conventional, VA	6	0.4%	85.7%	$298,333
Planet Home Lending, LLC	Conventional, FHA, VA	6	0.4%	75%	$265,000
Nationstar Mortgage	Conventional	6	0.4%	85.7%	$138,333
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	Conventional, FHA	6	0.4%	75%	$270,000	View
Navy Federal Credit Union	Conventional, VA, HELOC	5 +2 HELOCs	0.3%	71.4%	$199,000
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.3%	83.3%	$59,000
New American Funding, LLC.	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.3%	71.4%	$195,000
Amerisave Mortgage Company	Conventional, FHA	5	0.3%	35.7%	$113,000
Wolfe Financial Inc	Conventional, FHA, VA	5	0.3%	100%	$323,000
Prosperity Home Mortgage, LLC	Conventional, FHA	5	0.3%	100%	$173,000
CrossCountry Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$250,000
Movement Mortgage, LLC	Conventional, VA	4	0.3%	100%	$242,500
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA	4	0.3%	100%	$205,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA	4	0.3%	100%	$230,000	View
V.I.P. Mortgage, Inc.	Conventional, FHA, VA	4	0.3%	100%	$310,000
Mutual of Omaha Mortgage	Conventional, FHA	4	0.3%	80%	$245,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	4	0.3%	100%	$187,500	View
Paramount Residential Mortgage	FHA	4	0.3%	66.7%	$207,500
Carrington Mortgage Services LLC	FHA, VA	4	0.3%	41.7%	$180,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	3 +1 HELOCs	0.2%	100%	$305,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	3	0.2%	100%	$128,333
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.2%	63.6%	$161,666
Go Mortgage, LLC	Conventional	3	0.2%	100%	$141,666
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.2%	100%	$215,000
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA	3	0.2%	100%	$208,333	View
Point Mortgage Corp	Conventional, VA	3	0.2%	100%	$211,666
Zillow Home Loans, LLC	Conventional	3	0.2%	100%	$208,333
Village Capital & Investment	FHA, VA	3	0.2%	85.7%	$295,000
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$320,000
First Community Mortgage, Inc. A5.0 ★Texas Ratio: 8.84%	VA	2	0.1%	100%	$225,000	View
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$90,000
Primelending	Conventional	2	0.1%	100%	$290,000
Greenstate Credit Union	Conventional	2	0.1%	100%	$130,000
Everett Financial, Inc.	Conventional	2	0.1%	100%	$135,000
Equity Prime Mortgage LLC	FHA	2	0.1%	100%	$230,000
ClearPath Lending	VA	2	0.1%	100%	$225,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$135,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	66.7%	$275,000
Mortgage Solutions of Colorado	FHA, VA	2	0.1%	100%	$230,000
Endeavor Capital, LLC	FHA	2	0.1%	100%	$190,000
Compass Mortgage, Inc.	Conventional	2	0.1%	100%	$435,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	100%	$170,000	View
21St Mortgage	Conventional	2	0.1%	50%	$65,000
Loan Simple, Inc.	Conventional, FHA	2	0.1%	100%	$235,000
Wings Financial Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$175,000
Genisys Credit Union	Conventional	1	0.1%	100%	$115,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$405,000	View
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	1	0.1%	100%	$225,000
Zippy Loans, LLC	Conventional	1	0.1%	100%	$45,000
Msu Federal Credit Union	Conventional	1	0.1%	100%	$155,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$215,000
Servion A+5.0 ★Texas Ratio: 0.09%	Conventional	1	0.1%	100%	$215,000	View
Success Lending, LLC	Conventional	1	0.1%	100%	$445,000
Triad Financial Services, Inc.	Conventional	1	0.1%	20%	$65,000
PHH Mortgage Corporation	FHA	1	0.1%	100%	$175,000
Dart Bank	Conventional	1	0.1%	100%	$275,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional	1	0.1%	100%	$395,000	View
AdvantageFirst Lending Inc	FHA	1	0.1%	33.3%	$215,000
American Financial Network, Inc.	FHA	1	0.1%	100%	$165,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$405,000	View
Michigan Mutual, Inc	Conventional	1	0.1%	100%	$125,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$195,000
Discover Bank	Conventional	1	0.1%	50%	$35,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$145,000	View
New Day Financial, LLC.	VA	1	0.1%	100%	$145,000
Ideal Credit Union	Conventional	1	0.1%	100%	$395,000
Nasa Federal Credit Union	Conventional	1	0.1%	100%	$115,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$265,000
Pentagon Federal Credit Union	VA	1	0.1%	100%	$265,000
Better Mortgage Corporation	Conventional	1	0.1%	100%	$235,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$105,000
Thrivent Federal Credit Union	Conventional	1	0.1%	100%	$165,000	View
Veritas Funding, LLC	FHA	1	0.1%	100%	$205,000
Valley National Bank A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	1	0.1%	100%	$985,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$255,000
Texana Bank	VA	1	0.1%	100%	$215,000
Plaza Home Mortgage, Inc	VA	1	0.1%	100%	$235,000
Top Flite Financial, Inc.	FHA	1	0.1%	50%	$135,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Figure Lending LLC	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Liberty Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Oshkosh Mortgage Rate Trends

Daily average mortgage rates for Wisconsin compared with the national average, updated every evening.

30-Year Fixed WI Avg

7.558%

▲ 0.070 vs 7 days ago

15-Year Fixed WI Avg

7.006%

▲ 0.077 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Oshkosh, Wisconsin

Looking for mortgage lenders near me or mortgage brokers near me in Oshkosh? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oshkosh in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Oshkosh, WI

Use these to narrow the list above. Each category shows how many Oshkosh, WI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 78 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 55 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in WI 45 lenders headquartered in Wisconsin, the closest thing to a mortgage lender near you

Who Lends in Oshkosh, WI

Independent mortgage companies closed 35.6 percent of home loans in Oshkosh, Wisconsin in 2025, banks 30.6 percent and credit unions 33.8 percent. Wisconsin Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Verve, A Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Verve, A Credit Union led with 71 loans.

35.6%

Mortgage companies

30.6%

Banks

33.8%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Wisconsin. Real estate transfer fee of $3 per $1,000 of value (0.3 percent), paid by the seller (Wis. Stat. 77.22); no mortgage tax.

More Wisconsin Mortgage Lender Pages

All Wisconsin lenders 760 lenders Milwaukee 256 lenders Madison 197 lenders Appleton 171 lenders Green Bay 152 lenders Kenosha 160 lenders Janesville 166 lenders Waukesha 156 lenders Eau Claire 149 lenders Racine 139 lenders West Allis 149 lenders Fond du Lac 131 lenders Sheboygan 127 lenders

Frequently Asked Questions About Mortgage Lenders in Oshkosh, WI

Who is the largest mortgage lender in Oshkosh, WI?

By home loans closed in 2025, Verve, A Credit Union was the largest mortgage lender in Oshkosh, Wisconsin with 71 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Oshkosh, WI have the highest approval rates?

Among lenders with meaningful volume in Oshkosh, Wisconsin, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 96.7 percent, against a 89.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Oshkosh, WI mortgage lenders offer FHA, VA and USDA loans?

55 lenders closed FHA loans in Oshkosh, Wisconsin in 2025, led by Rocket Mortgage with 18. 38 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Oshkosh, WI lender list?

Yes. 54 banks and 27 credit unions closed home loans in Oshkosh, Wisconsin in 2025, alongside 78 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Oshkosh, WI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Oshkosh, Wisconsin during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Oshkosh, Wisconsin for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Oshkosh. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.