Mortgage lenders in Polk County
1,409 mortgages were made in Polk County, Wisconsin, in 2025, by 212 lenders. The median rate their borrowers got was 6.750% on a median loan of $205,000. Of 1,808 decisions, 322 were denials — 17.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Royal Credit Union | 243 | 6.875% | $135,000 | 10.8% |
| WESTCONSIN Credit Union | 123 | 7.250% | $105,000 | 17.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 89 | 6.750% | $225,000 | 4.2% |
| Rocket Mortgage, LLC | 67 | 6.750% | $205,000 | 24.2% |
| Loandepot.Com, LLC | 49 | 6.625% | $185,000 | 19.7% |
| Hiawatha National Bank | 47 | Not published | $255,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | 6.188% | $265,000 | 13.0% |
| MidWestOne Bank | 38 | 5.990% | $95,000 | 22.5% |
| Bell Bank | 38 | 6.688% | $315,000 | 7.1% |
| U.S. Bank National Association | 36 | 6.750% | $165,000 | 34.6% |
| COMPEER FINANCIAL, FLCA | 25 | 6.875% | $225,000 | 6.1% |
| Frandsen Bank & Trust | 22 | 6.500% | $110,000 | 20.7% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.125% | $225,000 | 8.7% |
| Mortgage Research Center, LLC | 19 | 6.125% | $265,000 | 16.7% |
| GUARANTEED RATE, INC. | 17 | 6.750% | $315,000 | 5.6% |
| Old National Bank | 16 | 6.438% | $90,000 | 23.8% |
| Prosperity Home Mortgage, LLC | 15 | 6.500% | $235,000 | 6.3% |
| TRUSTONE FINANCIAL CREDIT UNION | 14 | 7.375% | $125,000 | 22.2% |
| Associated Bank, National Association | 14 | 6.625% | $240,000 | 22.2% |
| Fairway Independent Mortgage Corporation | 14 | 6.438% | $210,000 | 0.0% |
| First National Community Bank | 14 | Not published | $290,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.990% | $195,000 | 17.7% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $230,000 | 29.4% |
| NEWREZ LLC | 12 | 6.375% | $260,000 | 25.0% |
| Bank Five Nine | 11 | 6.625% | $315,000 | 21.4% |
| Zippy Loans, LLC | 10 | 8.000% | $60,000 | 16.7% |
| Pillar Bank | 10 | Not published | $70,000 | 21.4% |
| Servion, Inc. | 10 | 6.563% | $240,000 | 0.0% |
| Blaze Credit Union | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Wings Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 7.7% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Summit Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Ixonia Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 14.3% |
| Granite Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Alerus Financial, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 5 | Under 10 loans | Under 10 loans | 33.3% |
| IDEAL Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 15.4% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 69.2% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| University of Wisconsin Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NOVATION CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank of La Crosse | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| COVANTAGE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 64.7% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 76.9% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 77.8% |
| MARINE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Dairy State Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First State Bank and Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Security State Bank of Marine | 2 | Under 10 loans | Under 10 loans | 40.0% |
| The First National Bank of River Falls | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Deerwood Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Associated Healthcare Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 40.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, 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% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 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% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300HDE2HTZZL30G11 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chippewa Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northview Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples State Bank of Plainview | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bridgewater Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Neighborhood National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chickasaw Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Abbott Laboratories Employees Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 12 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Polk County
14 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pillar Bank | 3 | $31.3 million |
| Nicolet National Bank | 2 | $192.8 million |
| Old National Bank | 1 | $174.6 million |
| First Resource Bank | 1 | $148.9 million |
| Frandsen Bank & Trust | 1 | $91.2 million |
| Dairy State Bank | 1 | $61.8 million |
| Citizens State Bank of La Crosse | 1 | $61.5 million |
| U.S. Bank National Association | 1 | $58.0 million |
| Hiawatha National Bank | 1 | $57.3 million |
| Sterling Bank | 1 | $38.9 million |
| First National Community Bank | 1 | $29.1 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- MidWestOne Bank, 2183 Us Highway 8, Saint Croix Falls
- MidWestOne Bank, 304 N Cascade St, Osceola
Get told when this changes
When the next year’s lending figures are out for Polk 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.