Bank Five Nine: 2025 mortgage rates, costs & approvals
How Bank Five Nine priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Bank Five Nine · LEI 254900DTLB5WWMBJAD86
In 2025, Bank Five Nine originated 1,141 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 15 states — 408th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $3,610, 35% lower than the national median ($5,570).
It denied 2.5% of completed home-purchase applications (all lenders: 8.5%).
How Bank Five Nine priced home-purchase loans
| Purchase loans, 2025 | Bank Five Nine | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 6.000% | 5.875% |
| Rate spread vs. APOR · conventional | +0.18 pts | +0.13 pts |
| Total loan costs · conventional | $3,610 | $5,570 |
| Total loan costs · FHA | $8,160 | $11,310 |
| Total loan costs · VA | $4,440 | $6,490 |
| Origination charges (all types) | $1,080 | $1,860 |
| Borrowers paying discount points | 15.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.18% | 0.87% |
| Borrowers receiving lender credits | 40.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Bank Five Nine denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Bank Five Nine lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Wisconsin | 1,096 | 1,232 | 2.6% | 6.625% | $3,600 |
| Illinois | 11 | 12 | — | — | — |
| Florida | 8 | 8 | — | — | — |
| Minnesota | 5 | 8 | — | — | — |
| Tennessee | 4 | 4 | — | — | — |
| Colorado | 3 | 3 | — | — | — |
| Michigan | 3 | 3 | — | — | — |
| Ohio | 3 | 3 | — | — | — |
| Arizona | 2 | 2 | — | — | — |
| Texas | 2 | 2 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| Kansas | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Bank Five Nine's page for that state.
Counties where Bank Five Nine is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washington County, WI | 4 | 91 | 4.1% |
| Kenosha County, WI | 6 | 85 | 4.0% |
| Waukesha County, WI | 7 | 226 | 3.5% |
| Ozaukee County, WI | 6 | 46 | 3.4% |
| Racine County, WI | 8 | 84 | 2.9% |
| Milwaukee County, WI | 9 | 267 | 2.7% |
| Schoolcraft County, MI | 10 | 1 | 2.4% |
| Marathon County, WI | 11 | 40 | 2.1% |
| Dodge County, WI | 13 | 25 | 2.0% |
| Vilas County, WI | 11 | 5 | 1.8% |
| Jefferson County, WI | 16 | 19 | 1.7% |
| Polk County, WI | 17 | 10 | 1.4% |
| St. Croix County, WI | 19 | 20 | 1.2% |
| Van Buren County, TN | 16 | 1 | 1.2% |
| Pierce County, WI | 23 | 6 | 1.1% |
Check Bank Five Nine yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900DTLB5WWMBJAD86.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Bank Five Nine with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology