Wisconsin · HMDA 2025
Mortgage lenders in St. Croix County, WI
274 lenders reported 4,434 home-loan applications in St. Croix County in 2025. 2,811 closed as loans ($810.5M), 524 were denied — a 15.2% denial rate on decided applications, below the Wisconsin rate of 16.2%. The three most active lenders handled 23% of applications, led by WESTCONSIN Credit Union. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,434
- Loans originated
- 2,811
- Purchase / refinance
- 1,287 / 804
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Croix County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | WESTCONSIN Credit Union 78 out of 100, Strong | 438 | 9.9% | 15.4% |
| 2 | Royal Credit Union 73 out of 100, Strong | 347 | 7.8% | 11.3% |
| 3 | Associated Bank, National Association | 241 | 5.4% | — |
| 4 | Rocket Mortgage, LLC | 171 | 3.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 158 | 3.6% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 138 | 3.1% | — |
| 7 | Bell Bank 59 out of 100, Moderate | 129 | 2.9% | 7.1% |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 124 | 2.8% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 108 | 2.4% | 39.5% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 93 | 2.1% | 14.1% |
| 11 | GUARANTEED RATE, INC. | 93 | 2.1% | — |
| 12 | NEWREZ LLC | 83 | 1.9% | — |
| 13 | Fairway Independent Mortgage Corporation | 75 | 1.7% | — |
| 14 | Mortgage Research Center, LLC | 71 | 1.6% | — |
| 15 | Prosperity Home Mortgage, LLC | 63 | 1.4% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 57 | 1.3% | — |
| 17 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 55 | 1.2% | 22.2% |
| 18 | Loandepot.Com, LLC | 53 | 1.2% | — |
| 19 | Waterstone Mortgage Corporation | 50 | 1.1% | — |
| 20 | MidWestOne Bank | 49 | 1.1% | — |
| 21 | AFFINITY PLUS | 48 | 1.1% | — |
| 22 | COMPEER FINANCIAL, FLCA | 47 | 1.1% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 47 | 1.1% | — |
| 24 | First National Community Bank 71 out of 100, Strong | 46 | 1.0% | 1.2% |
| 25 | First State Bank and Trust 73 out of 100, Strong | 44 | 1.0% | 13.6% |
| 26 | FIGURE LENDING LLC | 39 | 0.9% | — |
| 27 | Blaze Credit Union 61 out of 100, Moderate | 39 | 0.9% | 14.3% |
| 28 | Ixonia Bank 67 out of 100, Moderate | 38 | 0.9% | 4.7% |
| 29 | IDEAL Credit Union 62 out of 100, Moderate | 38 | 0.9% | 23.4% |
| 30 | Old National Bank 59 out of 100, Moderate | 37 | 0.8% | 22.1% |
| 31 | The Huntington National Bank 59 out of 100, Moderate | 36 | 0.8% | 31.6% |
| 32 | River Falls State Bank 77 out of 100, Strong | 36 | 0.8% | 2.6% |
| 33 | Coastal Community Bank 35 out of 100, Low | 36 | 0.8% | 3.0% |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 35 | 0.8% | — |
| 35 | Tradition Mortgage, LLC | 32 | 0.7% | — |
| 36 | SPRING EQ, LLC | 31 | 0.7% | — |
| 37 | Citizens State Bank | 31 | 0.7% | — |
| 38 | Broker Solutions, Inc. | 30 | 0.7% | — |
| 39 | Wings Financial Credit Union | 30 | 0.7% | — |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 28 | 0.6% | 22.2% |
Top 40 of 274 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Wisconsin
- Milwaukee County 34,631 apps
- Dane County 22,884 apps
- Waukesha County 19,347 apps
- Brown County 10,627 apps
- Racine County 9,168 apps
- Rock County 7,985 apps
- Outagamie County 7,887 apps
- Kenosha County 6,979 apps
- Winnebago County 6,765 apps
- Washington County 6,309 apps
- Marathon County 5,233 apps
- Walworth County 4,998 apps