Mortgage lenders in St. Croix County
2,808 mortgages were made in St. Croix County, Wisconsin, in 2025, by 276 lenders. The median rate their borrowers got was 6.750% on a median loan of $245,000. Of 3,445 decisions, 524 were denials — 15.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| WESTCONSIN Credit Union | 317 | 7.500% | $95,000 | 12.4% |
| Royal Credit Union | 257 | 6.875% | $125,000 | 17.0% |
| Associated Bank, National Association | 168 | 6.750% | $185,000 | 19.4% |
| Rocket Mortgage, LLC | 124 | 6.750% | $225,000 | 16.3% |
| Bell Bank | 109 | 6.625% | $295,000 | 9.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 102 | 6.500% | $320,000 | 3.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 99 | 6.240% | $355,000 | 16.4% |
| GUARANTEED RATE, INC. | 68 | 6.550% | $355,000 | 4.2% |
| U.S. Bank National Association | 60 | 7.910% | $125,000 | 32.6% |
| Fairway Independent Mortgage Corporation | 60 | 6.563% | $370,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 50 | 6.500% | $335,000 | 2.0% |
| First National Community Bank | 44 | Not published | $260,000 | 2.2% |
| Mortgage Research Center, LLC | 41 | 6.125% | $345,000 | 14.6% |
| TRUSTONE FINANCIAL CREDIT UNION | 41 | 7.250% | $125,000 | 16.0% |
| Waterstone Mortgage Corporation | 38 | 6.625% | $385,000 | 2.6% |
| AFFINITY PLUS | 38 | 6.740% | $65,000 | 4.9% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.500% | $270,000 | 20.4% |
| River Falls State Bank | 35 | Not published | $285,000 | 2.8% |
| MidWestOne Bank | 34 | 5.990% | $160,000 | 25.5% |
| COMPEER FINANCIAL, FLCA | 33 | 7.125% | $285,000 | 11.4% |
| Loandepot.Com, LLC | 31 | 6.750% | $215,000 | 32.6% |
| Ixonia Bank | 31 | 6.625% | $295,000 | 0.0% |
| Tradition Mortgage, LLC | 31 | 6.500% | $385,000 | 0.0% |
| First State Bank and Trust | 29 | Not published | $295,000 | 14.3% |
| IDEAL Credit Union | 26 | 4.490% | $105,000 | 25.0% |
| NEWREZ LLC | 25 | 6.250% | $355,000 | 16.7% |
| Blaze Credit Union | 25 | 5.990% | $115,000 | 14.3% |
| Old National Bank | 25 | 6.250% | $305,000 | 18.8% |
| Citizens State Bank | 24 | Not published | $140,000 | 10.7% |
| Wells Fargo Bank, National Association | 23 | 6.750% | $235,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 21 | 6.625% | $375,000 | 0.0% |
| Bank Five Nine | 20 | 6.438% | $270,000 | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.250% | $335,000 | 4.0% |
| Wings Financial Credit Union | 19 | 6.875% | $275,000 | 27.6% |
| NATIONSTAR MORTGAGE LLC | 19 | 8.750% | $95,000 | 9.5% |
| Hiawatha National Bank | 19 | Not published | $205,000 | 0.0% |
| The First National Bank of River Falls | 17 | Not published | $305,000 | 5.3% |
| Luminate Bank | 16 | 6.438% | $365,000 | 0.0% |
| SPRING EQ, LLC | 14 | 8.875% | $105,000 | 51.7% |
| The Huntington National Bank | 14 | 7.490% | $405,000 | 36.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.375% | $255,000 | 16.7% |
| GUILD MORTGAGE COMPANY | 14 | 6.375% | $350,000 | 5.9% |
| BMO Bank National Association | 13 | 8.680% | $145,000 | 23.5% |
| Broker Solutions, Inc. | 12 | 6.625% | $330,000 | 20.0% |
| Navy Federal Credit Union | 12 | 6.813% | $265,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 12 | 6.625% | $305,000 | 29.4% |
| Coastal Community Bank | 11 | 11.990% | $55,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.740% | $85,000 | 15.4% |
| Lake Elmo Bank | 11 | Not published | $315,000 | 0.0% |
| FIGURE LENDING LLC | 10 | 9.550% | $50,000 | 11.8% |
| Peoples State Bank of Plainview | 10 | Not published | $235,000 | 0.0% |
| Merchants Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Servion, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BoxCar Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Granite Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Summit Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 66.7% |
| CITY-COUNTY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bremer Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NOVATION CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 47.1% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 70.6% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Heartland Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 14.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Vermillion State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northwestern Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Summit Credit Union | 3 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRSTTRUST HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pillar Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHAREPOINT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Minnwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Great Midwest Bank, S.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CCM Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 81.8% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 16.7% |
| Dairy State Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Choice Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Healthcare Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Castle Rock Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Indianhead Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prevail Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nebraska Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waukesha State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 76 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Croix County
21 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Associated Bank, National Association | 3 | $391.2 million |
| Hiawatha National Bank | 3 | $375.8 million |
| Citizens State Bank | 3 | $327.2 million |
| First National Community Bank | 3 | $282.7 million |
| U.S. Bank National Association | 1 | $174.5 million |
| Wells Fargo Bank, National Association | 1 | $141.2 million |
| Pillar Bank | 1 | $107.1 million |
| Old National Bank | 1 | $98.7 million |
| Nicolet National Bank | 1 | $80.8 million |
| Security Financial Bank | 1 | $43.0 million |
| First State Bank and Trust | 1 | $39.3 million |
| JPMorgan Chase Bank, National Association | 1 | $10.1 million |
| The First National Bank of River Falls | 1 | $0 |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- BMO Bank National Association, 2417 Monetary Blvd, Hudson
- MidWestOne Bank, 404 Country Road Uu, Hudson
Get told when this changes
When the next year’s lending figures are out for St. Croix County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.