Largest lenders in Pierce County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | WESTCONSIN Credit Union | C | 231 | 163 | 11.3% | 7.25% |
| 2 | Associated Bank | B | 111 | 75 | 24.3% | 6.75% |
| 3 | Royal Credit Union | B | 94 | 76 | 9.6% | 6.88% |
| 4 | Rocket Mortgage | C | 62 | 48 | 12.9% | 7.06% |
| 5 | Guaranteed Rate | B | 50 | 35 | 6.0% | 6.48% |
| 6 | The First National Bank of River Falls | – | 41 | 35 | 2.4% | — |
| 7 | Bell Bank | A | 38 | 33 | 2.6% | 6.49% |
| 8 | United Shore Financial Services | B | 38 | 26 | 15.8% | 6.12% |
| 9 | River Falls State Bank | – | 31 | 28 | 3.2% | — |
| 10 | Compeer Financial, Flca | C | 30 | 23 | 10.0% | 7.00% |
| 11 | Pennymac Loan Services | C | 26 | 12 | 11.5% | 6.37% |
| 12 | Fairway Independent Mortgage | B | 26 | 20 | 3.9% | 6.63% |
| 13 | U.S. Bank | D | 23 | 13 | 26.1% | 6.88% |
| 14 | Crosscountry Mortgage | B | 22 | 18 | 0.0% | 6.69% |
| 15 | Affinity Plus | C | 17 | 13 | 5.9% | 6.74% |
| 16 | Mortgage Research Center | C | 17 | 7 | 23.5% | 5.75% |
| 17 | Trustone Financial Credit Union | C | 16 | 12 | 12.5% | 7.19% |
| 18 | Guild Mortgage | A | 16 | 14 | 6.3% | 6.18% |
| 19 | Loandepot.Com | D | 16 | 6 | 43.8% | 7.00% |
| 20 | BMO Bank | F | 16 | 10 | 12.5% | 8.83% |
| 21 | Spring Eq | D | 15 | 3 | 73.3% | 9.70% |
| 22 | Newrez | D | 15 | 10 | 6.7% | 6.06% |
| 23 | Broker Solutions | D | 15 | 4 | 13.3% | 6.43% |
| 24 | Prosperity Home Mortgage | A | 15 | 15 | 0.0% | 6.50% |
| 25 | Freedom Mortgage | B | 14 | 5 | 21.4% | 6.25% |
Best approval odds in Pierce County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Royal Credit Union | 88 | 10.2% |
| 2 | WESTCONSIN Credit Union | 192 | 13.5% |
| 3 | Rocket Mortgage | 57 | 14.0% |
| 4 | Associated Bank | 103 | 26.2% |
What Pierce County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pierce County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,163 | 775 | 15.7% | 7.25% | $165,000 |
| 2024 | 1,271 | 844 | 16.0% | 6.99% | $205,000 |
| 2025 | 1,484 | 1,014 | 13.9% | 6.75% | $205,000 |
Frequently asked questions
13.9% of applications in Pierce County were denied in 2025, against 14.0% statewide in Wisconsin.
WESTCONSIN Credit Union, with 231 applications in 2025 and a denial rate of 11.3%.
The median mortgage application in Pierce County in 2025 was for $205,000; the median property value on originated loans was $375,000.