Pillar Bank
Pillar Bank received 33 applications in 2025 and made 20 mortgages, in 8 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 27 decisions, 4 were denials — 14.8%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300PQ7WSN8JPB7M42 |
|---|---|
| Applications received | 33 |
| Mortgages made | 20 |
| Denied | 4 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Pillar Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 14.3% |
Where Pillar Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, WI | 10 | Not published | 21.4% |
| St. Croix County, WI | 3 | Under 10 loans | 20.0% |
| Chippewa County, WI | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Gallatin County, MT | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Pillar Bank’s figures are published for the next year, or restated.
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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.