Dairy State Bank
Dairy State Bank received 150 applications in 2025 and made 110 mortgages, in 18 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 143 decisions, 29 were denials — 20.3%, most often for credit history.
| Legal Entity Identifier | 2549006KT1XNB09W2M78 |
|---|---|
| Applications received | 150 |
| Mortgages made | 110 |
| Denied | 29 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Dairy State Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | Not published | $195,000 | 13.9% |
| Refinancing | 31 | Not published | $85,000 | 21.4% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Other purposes | 13 | Not published | $45,000 | 39.1% |
Where Dairy State Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Barron County, WI | 39 | Not published | 30.5% |
| Dunn County, WI | 27 | Not published | 3.3% |
| Chippewa County, WI | 9 | Under 10 loans | 0.0% |
| Sawyer County, WI | 8 | Under 10 loans | 20.0% |
| Eau Claire County, WI | 7 | Under 10 loans | 0.0% |
| Washburn County, WI | 6 | Under 10 loans | 25.0% |
| Pierce County, WI | 2 | Under 10 loans | 33.3% |
| Polk County, WI | 2 | Under 10 loans | 60.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Bayfield County, WI | 1 | Under 10 loans | 0.0% |
| Buffalo County, WI | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Pepin County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 66.7% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.