Largest lenders in Monroe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bank First | A | 166 | 132 | 12.1% | 7.00% |
| 2 | 1st Community Credit Union | C | 135 | 82 | 18.5% | 6.56% |
| 3 | ALTRA Federal Credit Union | B | 105 | 84 | 9.5% | 6.90% |
| 4 | Mortgage Research Center | C | 80 | 44 | 15.0% | 6.25% |
| 5 | United Shore Financial Services | B | 70 | 64 | 5.7% | 6.19% |
| 6 | Rocket Mortgage | C | 67 | 42 | 28.4% | 6.38% |
| 7 | Citizens First Bank | A | 67 | 62 | 3.0% | — |
| 8 | Marine Credit Union | F | 54 | 20 | 33.3% | 8.81% |
| 9 | Union Home Mortgage | B | 32 | 22 | 12.5% | 6.63% |
| 10 | River Bank | – | 29 | 23 | 3.5% | — |
| 11 | CO-OP Credit Union | B | 26 | 22 | 3.9% | 6.48% |
| 12 | R.I.A. Federal Credit Union | D | 26 | 13 | 26.9% | 6.38% |
| 13 | Associated Bank | B | 24 | 13 | 29.2% | 6.75% |
| 14 | Freedom Mortgage | B | 23 | 12 | 8.7% | 5.75% |
| 15 | Compeer Financial, Flca | C | 23 | 19 | 0.0% | 7.25% |
| 16 | Consumer Real Estate Finance | F | 22 | 19 | 4.6% | 6.88% |
| 17 | Servion | B | 22 | 17 | 0.0% | 6.38% |
| 18 | Pennymac Loan Services | C | 21 | 12 | 0.0% | 6.06% |
| 19 | Prosperity Home Mortgage | A | 20 | 16 | 5.0% | 6.69% |
| 20 | The First National Bank Of Bangor | A | 19 | 19 | 0.0% | — |
| 21 | Bank of Ontario | – | 19 | 17 | 10.5% | — |
| 22 | Coastal Community Bank | C | 18 | 5 | 0.0% | 13.49% |
| 23 | Figure Lending | C | 17 | 7 | 35.3% | 9.95% |
| 24 | Loandepot.Com | D | 15 | 6 | 26.7% | 6.69% |
| 25 | Firefighters Credit Union | B | 15 | 14 | 6.7% | 7.25% |
Best approval odds in Monroe County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Citizens First Bank | 65 | 3.1% |
| 2 | United Shore Financial Services | 69 | 5.8% |
| 3 | ALTRA Federal Credit Union | 97 | 10.3% |
| 4 | Bank First | 158 | 12.7% |
| 5 | 1st Community Credit Union | 133 | 18.8% |
| 6 | Mortgage Research Center | 56 | 21.4% |
| 7 | Rocket Mortgage | 62 | 30.7% |
What Monroe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Monroe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,086 | 757 | 13.5% | 7.13% | $135,000 |
| 2024 | 1,287 | 843 | 16.6% | 6.97% | $155,000 |
| 2025 | 1,601 | 1,067 | 14.0% | 6.63% | $175,000 |
Frequently asked questions
14.0% of applications in Monroe County were denied in 2025, against 14.0% statewide in Wisconsin.
Bank First, with 166 applications in 2025 and a denial rate of 12.1%.
The median mortgage application in Monroe County in 2025 was for $175,000; the median property value on originated loans was $275,000.