Mortgage lenders in Waupaca County
1,457 mortgages were made in Waupaca County, Wisconsin, in 2025, by 191 lenders. The median rate their borrowers got was 6.500% on a median loan of $135,000. Of 1,859 decisions, 300 were denials — 16.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Community First | 275 | 5.490% | $85,000 | 9.2% |
| FOX COMMUNITIES Credit Union | 160 | 6.500% | $80,000 | 5.5% |
| COVANTAGE CREDIT UNION | 95 | 6.500% | $95,000 | 9.9% |
| Bank First, N.A. | 70 | 7.000% | $110,000 | 13.8% |
| Rocket Mortgage, LLC | 62 | 6.625% | $170,000 | 23.2% |
| Wolf River Community Bank | 43 | Not published | $145,000 | 2.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 6.493% | $250,000 | 20.4% |
| Associated Bank, National Association | 36 | 6.938% | $100,000 | 20.0% |
| Premier Community Bank | 36 | Not published | $145,000 | 5.1% |
| GUILD MORTGAGE COMPANY | 31 | 6.625% | $225,000 | 8.8% |
| Ixonia Bank | 28 | 6.625% | $185,000 | 12.5% |
| Mortgage Research Center, LLC | 26 | 6.125% | $270,000 | 23.5% |
| CAPITAL Credit Union | 23 | 6.125% | $105,000 | 20.6% |
| Nicolet National Bank | 23 | 7.250% | $235,000 | 4.0% |
| Fairway Independent Mortgage Corporation | 20 | 6.563% | $195,000 | 0.0% |
| Waterstone Mortgage Corporation | 19 | 6.500% | $155,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.250% | $190,000 | 5.3% |
| University of Wisconsin Credit Union | 16 | 1.500% | $95,000 | 19.1% |
| Barrington Bank & Trust Company, National Association | 16 | 6.875% | $200,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.438% | $105,000 | 17.7% |
| Summit Credit Union | 14 | 1.490% | $70,000 | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.990% | $165,000 | 13.3% |
| SIMPLICITY | 12 | 4.375% | $45,000 | 29.4% |
| Home State Bank, National Association | 12 | 6.500% | $185,000 | 0.0% |
| BMO Bank National Association | 11 | 8.480% | $105,000 | 52.2% |
| U.S. Bank National Association | 11 | 6.625% | $215,000 | 21.4% |
| East Wisconsin Savings Bank | 11 | Not published | $245,000 | 15.4% |
| JPMorgan Chase Bank, National Association | 11 | 6.750% | $225,000 | 8.3% |
| First Federal Bank | 11 | 6.625% | $275,000 | 8.3% |
| Zippy Loans, LLC | 10 | 8.000% | $55,000 | 47.6% |
| Broker Solutions, Inc. | 10 | 7.250% | $185,000 | 15.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.933% | $205,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 8.688% | $70,000 | 16.7% |
| GreenStone Farm Credit Services, FLCA | 10 | 6.825% | $255,000 | 0.0% |
| Nations Lending Corporation | 10 | 6.990% | $255,000 | 0.0% |
| Johnson Financial Group | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 41.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 57.1% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 9.1% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| West Pointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROSPERA Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 30.0% |
| Landmark Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNISON CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WINNEBAGO COMMUNITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 87.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VERVE, A CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Five Nine | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fortifi Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Port Washington State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300F247N2IU8SC024 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol Morgan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLC Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AbbyBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITEDONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCM Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BROKAW CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| R.I.A. Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Communities Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenLeaf Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PyraMax Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waldo State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SHORELINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WISCONSIN MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ILLINOIS STATE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREENSTATE Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549004XDCE3LGQW7H72 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| Glacier Hills Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Peshtigo National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| IncredibleBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 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.
Bank branches in Waupaca County
17 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Premier Community Bank | 6 | $290.9 million |
| First State Bank | 4 | $292.7 million |
| Bank First, N.A. | 3 | $245.8 million |
| The Farmers State Bank of Waupaca | 2 | $202.5 million |
| Associated Bank, National Association | 1 | $63.7 million |
| Wolf River Community Bank | 1 | $52.9 million |
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When the next year’s lending figures are out for Waupaca 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.