☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Wisconsin / Racine

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Racine, Wisconsin

Content reviewed by

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

Racine, Wisconsin mortgage lenders include Johnson BankJohnson Bank6700 Washington Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 1.47%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5815 Twenty First Street, Racine, WI 53406A+5.0 ★Texas Ratio: 3.68%, Associated Bank NAAssociated Bank NA5205 Washington Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 3.45%, Tri City National BankTri City National Bank2704 Lathrop Ave, Racine, WI 53405A+5.0 ★Texas Ratio: 4.17%, Huntington National BankHuntington National Bank3935 Douglas Ave, Racine, WI 53402A+5.0 ★Texas Ratio: 3.66%, US Bank, N.A.US Bank, N.A.4701 Washington Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 2.85%, Wells Fargo Bank NAWells Fargo Bank NA6005 Durand Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 5.36%, Community State BankCommunity State Bank8930 Washington Ave, Racine, WI 53406B+4.1 ★Texas Ratio: 2.52%, BMO Harris Bank NABMO Harris Bank NA5101 Spring St, Racine, WI 53406A+5.0 ★Texas Ratio: 3.54%, and Town Bank, N.A.Town Bank, N.A.5005 Washington Ave, Racine, WI 53406A+5.0 ★Texas Ratio: 1.59%. 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 Racine, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Racine 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 Racine, Wisconsin

Market share is the lender's share of all home loans closed in Racine, 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
Johnson Bank 4 offices in Racine 6700 Washington Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 1.47%	Conventional, HELOC	49 +22 HELOCs	4.2%	95%	$175,816	View
JPMorgan Chase Bank, NA 2 offices in Racine 5815 Twenty First Street, Racine, WI 53406 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, HELOC	32 +2 HELOCs	2.8%	82.1%	$175,312	View
Associated Bank NA 1 office in Racine 5205 Washington Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 3.45%	Conventional, FHA, VA, HELOC	19 +9 HELOCs	1.6%	86.4%	$190,789	View
Tri City National Bank 3 offices in Racine 2704 Lathrop Ave, Racine, WI 53405 A+5.0 ★Texas Ratio: 4.17%	Conventional, HELOC	9 +10 HELOCs	0.8%	92.3%	$80,555	View
Huntington National Bank 1 office in Racine 3935 Douglas Ave, Racine, WI 53402 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	7 +10 HELOCs	0.6%	100%	$176,428	View
US Bank, N.A. 1 office in Racine 4701 Washington Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	7 +5 HELOCs	0.6%	63.6%	$142,142	View
Wells Fargo Bank NA 1 office in Racine 6005 Durand Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	7	0.6%	58.3%	$160,714	View
Community State Bank 1 office in Racine 8930 Washington Ave, Racine, WI 53406 B+4.1 ★Texas Ratio: 2.52%	Conventional	6	0.5%	100%	$158,333	View
BMO Harris Bank NA 4 offices in Racine 5101 Spring St, Racine, WI 53406 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, HELOC	4 +18 HELOCs	0.3%	40%	$232,500	View
Town Bank, N.A. 1 office in Racine 5005 Washington Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 1.59%	Conventional	2	0.2%	66.7%	$145,000	View
Educators Credit Union 2119 Rapids Dr, Racine, WI 53404 A+5.0 ★Texas Ratio: 4.30%	Conventional, VA, HELOC	234 +99 HELOCs	20.2%	79.6%	$96,282	View
Landmark Credit Union 3413 Rapids Dr, Racine, WI 53404 A+5.0 ★Texas Ratio: 3.05%	Conventional, HELOC	40 +92 HELOCs	3.5%	62.1%	$144,500	View
Bank Five Nine 18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25%	Conventional, FHA	24	2.1%	100%	$207,916	View
Summit Credit Union 871 Commerce Ave, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 4.84%	Conventional, HELOC	18 +25 HELOCs	1.6%	85.7%	$211,666	View
Marine Credit Union 302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08%	Conventional, HELOC	9 +1 HELOCs	0.8%	38.7%	$93,888	View
Wisconsin Mortgage Corporation 1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA	9	0.8%	75%	$199,444	View
North Shore Bank 4923 Washington Ave, Racine, WI 53406 A+5.0 ★Texas Ratio: 0.50%	Conventional, HELOC	8 +15 HELOCs	0.7%	90%	$203,750	View
Ixonia Bank 491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	6	0.5%	100%	$243,333	View
Waukesha State Bank 18300 W Capitol Dr, Brookfield, WI 53045 A+5.0 ★Texas Ratio: 1.44%	Conventional	3	0.3%	100%	$98,333	View
Prime Financial Credit Union 6402 W Brown Deer Rd, Brown Deer, WI 53223 A5.0 ★Texas Ratio: 10.89%	Conventional	3	0.3%	100%	$128,333	View
Guardian Credit Union W186N9559 Bancroft Dr, Menomonee Falls, WI 53051 8009 A+5.0 ★Texas Ratio: 2.06%	Conventional	2	0.2%	100%	$115,000	View
First American Bank 1350 22nd Ave, Kenosha, WI 53140 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$275,000	View
Flagstar Bank NA 100 E 1st St, Gillett, WI 54124 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$165,000	View
Citizens First Bank 1757 Temte Street, Holmen, WI 54636 A+5.0 ★Texas Ratio: 3.37%	Conventional	1	0.1%	100%	$75,000	View
Citizens Bank W236s7050 Big Bend Dr, Big Bend, WI 53103 A+5.0 ★Texas Ratio: 1.51%	Conventional	1	0.1%	100%	$165,000	View
Oostburg State Bank 10 Phoenix St, Cedar Grove, WI 53013 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$105,000	View
Covantage Credit Union Antigo Middle School, Antigo, WI 54409 A5.0 ★Texas Ratio: 10.08%	Conventional	1	0.1%	100%	$285,000	View
Bank First N.A. 4201 W Wisconsin Ave, Appleton, WI 54913 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.1%	100%	$605,000	View
First Ciitizens Bank and Trust 12655 W Capitol Dr, Brookfield, WI 53005 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.1%	33.3%	$55,000	View
The Equitable Bank Ssb N15w30921 Golf Rd, Delafield, WI 53018 A+5.0 ★Texas Ratio: 0.46%	Conventional	1	0.1%	100%	$145,000	View
Pyramax Bank FSB 9000 W Drexel Ave, Franklin, WI 53132 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$145,000	View
Frandsen Bank & Trust 4251 Southtowne Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 5.91%	Conventional	1	0.1%	100%	$305,000	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 +2 HELOCs	0%	0%		View
Fairway Independent Mort Corp	Conventional, FHA, VA	52	4.5%	98.1%	$173,653
Gateway Mortgage Corporation	Conventional, FHA	8	0.7%	90%	$207,500
A+ Mortgage Services, Inc.	Conventional	5	0.4%	100%	$195,000
Uw Credit Union	Conventional, HELOC	4 +10 HELOCs	0.3%	80%	$270,000
Thompson Kane & Company, Inc	Conventional	2	0.2%	100%	$125,000
Waterstone Mortgage Corporation A+5.0 ★Texas Ratio: 2.07%	Conventional	2	0.2%	100%	$195,000	View
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$215,000	View
Rocket Mortgage	Conventional, FHA, VA	81	7%	71.1%	$154,012
American Pacific Mortgage Corporation	Conventional, FHA, VA	59	5.1%	98.3%	$185,508
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	31 +1 HELOCs	2.7%	78.6%	$198,548
Mortgage Research Center	Conventional, FHA, VA	27	2.3%	81.8%	$225,370
Pennymac Loan Services LLC	Conventional, FHA, VA	20	1.7%	83.3%	$139,000
Guild Mortgage Company	Conventional, FHA	18	1.6%	94.7%	$189,444
Trustone Financial Credit Union A+5.0 ★Texas Ratio: 4.56%	Conventional, HELOC	14 +3 HELOCs	1.2%	78.9%	$144,285
Newrez LLC	Conventional, FHA	14	1.2%	53.8%	$146,428
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	13	1.1%	100%	$172,692
Freedom Mortgage Corporation	FHA, VA	12	1%	92.9%	$202,500
Nfm, Inc	Conventional, FHA, VA	12	1%	92.3%	$172,500
New American Funding, LLC.	Conventional, FHA	12	1%	63.2%	$170,833
Navy Federal Credit Union	Conventional, VA, HELOC	11 +5 HELOCs	1%	84.6%	$180,454
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA	11	1%	91.7%	$202,272	View
Nationstar Mortgage	Conventional, FHA	11	1%	100%	$101,363
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA	10	0.9%	100%	$188,000
Ameritrust Mortgage Corporation	Conventional, FHA, VA	10	0.9%	90.9%	$223,000
loanDepot.com LLC	Conventional, FHA, VA	9	0.8%	50%	$112,777
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, FHA	9	0.8%	90%	$270,555	View
American Financial Network, Inc.	Conventional, FHA, VA	8	0.7%	100%	$187,500
First Colony Mortgage Corporat	Conventional, FHA, VA	8	0.7%	84.6%	$211,250
Prosperity Home Mortgage, LLC	Conventional, FHA	8	0.7%	100%	$231,250
Diamond Residential Mtg Corp	Conventional, FHA	7	0.6%	80%	$156,428
Zillow Home Loans, LLC	Conventional, FHA, VA	7	0.6%	100%	$227,857
Guaranteed Rate, Inc.	Conventional, VA	6	0.5%	100%	$236,666
Churchill Mortgage Corporation	Conventional, FHA	6	0.5%	77.8%	$100,000
Home State Bank National Association A+5.0 ★Texas Ratio: 0.47%	Conventional, FHA	6	0.5%	100%	$158,333	View
Equity Prime Mortgage LLC	FHA, VA	5	0.4%	100%	$225,000
Union Home Mortgage Corp.	Conventional, FHA	5	0.4%	100%	$201,000
Cardinal Financial Company, Li	Conventional, FHA, VA	5	0.4%	100%	$193,000
Cornerstone First Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$160,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	4	0.3%	100%	$152,500	View
CrossCountry Mortgage, LLC	Conventional	4	0.3%	66.7%	$252,500
AmeriHome Mortgage Company, LLC	FHA	4	0.3%	100%	$255,000
Planet Home Lending, LLC	Conventional, FHA	4	0.3%	66.7%	$130,000
Republic Bank of Chicago A-5.0 ★Texas Ratio: 15.03%	Conventional	4	0.3%	100%	$80,000	View
Lower, LLC	Conventional, FHA	4	0.3%	80%	$177,500
Carrington Mortgage Services LLC	Conventional	4	0.3%	71.4%	$85,000
Guaranteed Rate Affinity, LLC	FHA, VA	3	0.3%	100%	$225,000
T2 Financial LLC	Conventional, FHA	3	0.3%	75%	$288,333
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.3%	100%	$85,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	3	0.3%	75%	$131,666	View
Paramount Residential Mortgage	Conventional, FHA, VA	3	0.3%	100%	$128,333
Spring Eq, LLC	Conventional, HELOC	2 +3 HELOCs	0.2%	25%	$50,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	2 +2 HELOCs	0.2%	75%	$120,000	View
Residential Wholesale Mortgage	Conventional, FHA	2	0.2%	100%	$195,000
Movement Mortgage, LLC	Conventional	2	0.2%	100%	$175,000
PHH Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$170,000
New Day Financial, LLC.	VA	2	0.2%	42.9%	$195,000
Provident Funding Associates	Conventional	2	0.2%	100%	$170,000
Nations Lending Corporation	Conventional, VA	2	0.2%	100%	$130,000
Towne Mortgage Company A+5.0 ★Texas Ratio: 1.59%	FHA	2	0.2%	100%	$190,000	View
Self Help Federal Credit Union	Conventional	2	0.2%	66.7%	$170,000
Better Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$205,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	100%	$220,000	View
Loan Simple, Inc.	FHA	2	0.2%	100%	$175,000
Top Flite Financial, Inc.	FHA	2	0.2%	100%	$130,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +1 HELOCs	0.1%	50%	$315,000
Alliant Credit Union	VA	1	0.1%	100%	$255,000
Panorama Mortgage Group, LLC	Conventional	1	0.1%	100%	$265,000
Originpoint, LLC	Conventional	1	0.1%	100%	$165,000
North Shore Trust & Savings A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	50%	$65,000	View
American Financial Resources LLC	Conventional	1	0.1%	100%	$225,000
Primelending	Conventional	1	0.1%	50%	$295,000
Goodleap, LLC	Conventional	1	0.1%	100%	$125,000
Lakeview Loan Servicing, LLC	VA	1	0.1%	37.5%	$185,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$185,000
Go Mortgage, LLC	FHA	1	0.1%	100%	$235,000
Kind Lending, LLC	FHA	1	0.1%	50%	$155,000
United Trust Bank	VA	1	0.1%	100%	$205,000
Amerisave Mortgage Company	Conventional	1	0.1%	8.3%	$65,000
Princeton Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
AdvantageFirst Lending Inc	FHA	1	0.1%	50%	$165,000
Valon Mortgage	Conventional	1	0.1%	100%	$135,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$195,000
City 1st Mortgage Services, LC	Conventional	1	0.1%	100%	$265,000
Sun West Mortgage Company, Inc	FHA	1	0.1%	100%	$125,000
American Financing Corporation	FHA	1	0.1%	33.3%	$165,000
Chevron Federal Credit Union	Conventional	1	0.1%	100%	$175,000
Point Mortgage Corp	Conventional	1	0.1%	100%	$165,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$235,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$195,000
Fidelity Bank A5.0 ★Texas Ratio: 7.99%	Conventional	1	0.1%	100%	$235,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$195,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$155,000	View
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$185,000	View
Member First Mortgage, LLC	Conventional	1	0.1%	100%	$405,000	View
Abbott Laboratories Employees Credit Union	Conventional	1	0.1%	100%	$225,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$275,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$175,000	View
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$315,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$175,000
Veritas Funding, LLC	FHA	1	0.1%	100%	$195,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$305,000	View
Consumers Credit Union	Conventional	1	0.1%	100%	$155,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$195,000
Goprime Mortgage, Inc. A5.0 ★Texas Ratio: 10.89%	VA	1	0.1%	100%	$215,000	View
Key Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$195,000	View
Gold Coast Bank	Conventional	1	0.1%	100%	$365,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$175,000
Lendage, LLC dba Achieve Loans	HELOC	0 +9 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Ideal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal 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.

Racine 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 Racine, Wisconsin

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

Types of Mortgage Lenders in Racine, WI

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

Mortgage companies and brokers 83 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 44 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 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 Local lenders based in WI 28 lenders headquartered in Wisconsin, the closest thing to a mortgage lender near you

Who Lends in Racine, WI

Independent mortgage companies closed 50 percent of home loans in Racine, Wisconsin in 2025, banks 20.2 percent and credit unions 29.8 percent. Wisconsin Mortgage Corporation was the largest mortgage company, Johnson Bank the largest bank and Educators Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Johnson Bank led with 49 loans.

50%

Mortgage companies

20.2%

Banks

29.8%

Credit unions

17%

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 Oshkosh 147 lenders Janesville 166 lenders Waukesha 156 lenders Eau Claire 149 lenders West Allis 149 lenders Fond du Lac 131 lenders Sheboygan 127 lenders

Frequently Asked Questions About Mortgage Lenders in Racine, WI

Who is the largest mortgage lender in Racine, WI?

By home loans closed in 2025, Johnson Bank was the largest mortgage lender in Racine, Wisconsin with 49 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Racine, Wisconsin, American Pacific Mortgage Corporation approved the highest share of completed applications in 2025 at 98.3 percent, against a 80.3 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 Racine, WI mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in Racine, Wisconsin in 2025, led by American Pacific Mortgage Corporation with 26. 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 Racine, WI lender list?

Yes. 44 banks and 19 credit unions closed home loans in Racine, Wisconsin in 2025, alongside 83 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 Racine, WI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Racine, 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 Racine, 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 Racine. 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.