Largest lenders in Barron County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Royal Credit Union | B | 267 | 199 | 10.1% | 6.75% |
| 2 | WESTCONSIN Credit Union | C | 228 | 161 | 15.4% | 7.25% |
| 3 | Zippy Loans | D | 104 | 48 | 32.7% | 8.00% |
| 4 | Rocket Mortgage | C | 81 | 61 | 17.3% | 6.63% |
| 5 | U.S. Bank | D | 75 | 37 | 36.0% | 6.75% |
| 6 | Johnson Financial Group | A | 67 | 55 | 10.5% | 6.85% |
| 7 | Crosscountry Mortgage | B | 66 | 54 | 4.6% | 6.63% |
| 8 | American Pacific Mortgage | C | 60 | 50 | 3.3% | 6.44% |
| 9 | Dairy State Bank | C | 60 | 39 | 30.0% | — |
| 10 | Loandepot.Com | D | 57 | 31 | 24.6% | 6.88% |
| 11 | Pennymac Loan Services | C | 38 | 21 | 10.5% | 6.63% |
| 12 | Compeer Financial, Flca | C | 38 | 28 | 21.1% | 7.38% |
| 13 | Mortgage Research Center | C | 37 | 21 | 10.8% | 6.25% |
| 14 | Citizens Community Federal | B | 34 | 24 | 8.8% | 6.69% |
| 15 | Broker Solutions | D | 27 | 5 | 11.1% | 6.75% |
| 16 | Connexus Credit Union | C | 25 | 11 | 16.0% | 6.49% |
| 17 | United Shore Financial Services | B | 23 | 12 | 8.7% | 6.12% |
| 18 | Associated Bank | B | 19 | 12 | 26.3% | 6.81% |
| 19 | Freedom Mortgage | B | 19 | 11 | 15.8% | 6.25% |
| 20 | Nicolet National Bank | A | 19 | 16 | 5.3% | 6.94% |
| 21 | Security Bank | – | 18 | 13 | 11.1% | — |
| 22 | Marine Credit Union | F | 16 | 2 | 62.5% | 8.38% |
| 23 | GREENSTATE Credit Union | B | 13 | 2 | 53.9% | 9.84% |
| 24 | AmeriSave Mortgage | D | 12 | 3 | 75.0% | 6.38% |
| 25 | Newrez | D | 12 | 6 | 16.7% | 6.25% |
Best approval odds in Barron County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | American Pacific Mortgage | 52 | 3.9% |
| 2 | Crosscountry Mortgage | 57 | 5.3% |
| 3 | Johnson Financial Group | 64 | 10.9% |
| 4 | Royal Credit Union | 238 | 11.3% |
| 5 | WESTCONSIN Credit Union | 199 | 17.6% |
| 6 | Rocket Mortgage | 78 | 18.0% |
| 7 | Dairy State Bank | 59 | 30.5% |
| 8 | Zippy Loans | 83 | 41.0% |
| 9 | U.S. Bank | 64 | 42.2% |
What Barron County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Barron County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,368 | 857 | 18.4% | 7.25% | $135,000 |
| 2024 | 1,561 | 983 | 17.4% | 7.13% | $145,000 |
| 2025 | 1,845 | 1,197 | 17.2% | 6.75% | $145,000 |
Frequently asked questions
17.2% of applications in Barron County were denied in 2025, against 14.0% statewide in Wisconsin.
Royal Credit Union, with 267 applications in 2025 and a denial rate of 10.1%.
The median mortgage application in Barron County in 2025 was for $145,000; the median property value on originated loans was $275,000.