Refinancing lenders in Polk County
184 refinancing mortgages were made in Polk County, Wisconsin, in 2025, by 80 lenders. The median rate their borrowers got was 6.125% on a median loan of $255,000. Of 225 decisions, 36 were denials — 16.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Royal Credit Union | 24 | 6.000% | $340,000 | 11.1% |
| Rocket Mortgage, LLC | 12 | 5.990% | $320,000 | 18.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 5.750% | $265,000 | 21.4% |
| MidWestOne Bank | 10 | 5.990% | $120,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Hiawatha National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Frandsen Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank Five Nine | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pillar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DENVER SAVINGS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Summit Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First State Bank and Trust | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Dairy State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens State Bank of La Crosse | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| First Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY PLUS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.