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St. Croix County, Wisconsin · 2025

Mortgage lenders in St. Croix County, WI: denial rates and top lenders (2025)

268 lenders acted on 4,041 mortgage applications for properties in St. Croix County in 2025. 13.0% were denied (Wisconsin: 14.0%). Median rate on closed loans 6.75%; median loan $225,000; median property value $435,000.

4.0kApplications
13.0%Denial ratestate 14.0%
6.75%Median ratestate 6.63%
$225,000Median loan
$435,000Median property value

Largest lenders in St. Croix County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 WESTCONSIN Credit Union C 438317 10.5%7.50%
2 Royal Credit Union B 347257 15.6%6.88%
3 Associated Bank B 240168 17.5%6.75%
4 Rocket Mortgage C 169124 14.8%6.75%
5 United Shore Financial Services B 13899 14.5%6.24%
6 Bell Bank A 129109 9.3%6.63%
7 Crosscountry Mortgage B 124102 3.2%6.50%
8 U.S. Bank D 10560 27.6%7.91%
9 Guaranteed Rate B 8468 3.6%6.58%
10 Fairway Independent Mortgage B 7160 0.0%6.56%
11 Mortgage Research Center C 7141 9.9%6.13%
12 Prosperity Home Mortgage A 6350 1.6%6.50%
13 Pennymac Loan Services C 6236 16.1%6.50%
14 Trustone Financial Credit Union C 5541 14.6%7.25%
15 Newrez D 5525 9.1%6.25%
16 Loandepot.Com D 5331 28.3%6.75%
17 Waterstone Mortgage C 5038 2.0%6.63%
18 MidWestOne Bank A 4934 24.5%5.99%
19 Affinity Plus C 4838 4.2%6.74%
20 Compeer Financial, Flca C 4735 10.6%7.00%
21 First National Community Bank – 4644 2.2%—
22 First State Bank and Trust D 4429 11.4%—
23 Freedom Mortgage B 4019 2.5%6.25%
24 Blaze Credit Union B 3925 12.8%5.99%
25 Ixonia Bank C 3831 0.0%6.63%

Best approval odds in St. Croix County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Fairway Independent Mortgage610.0%
2Prosperity Home Mortgage512.0%
3Crosscountry Mortgage1103.6%
4Guaranteed Rate724.2%
5Bell Bank1229.8%
6WESTCONSIN Credit Union37212.4%
7Trustone Financial Credit Union5016.0%
8Rocket Mortgage15316.3%
9United Shore Financial Services12216.4%
10Royal Credit Union31717.0%

What St. Croix County borrowers applied for

By loan purpose

Home purchase 1,623 40% · 5.3% denied
Refinance 642 16% · 12.5% denied
Cash-out refinance 654 16% · 19.1% denied
Home improvement 531 13% · 16.8% denied
Other / HELOC 591 15% · 24.4% denied

By loan type

Conventional 3,424 85% · 12.7% denied
FHA 275 7% · 21.1% denied
VA 325 8% · 7.7% denied
USDA / RHS 17 0% · 29.4% denied

Why applications were denied

Debt-to-income ratio 203 40%
Credit history 122 24%
Collateral 76 15%
Incomplete application 57 11%
Other 29 6%
Insufficient cash 10 2%
Unverifiable information 9 2%
Employment history 4 1%

St. Croix County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,2432,20014.6%7.13%$185,000
20243,5122,43912.8%7.00%$225,000
20254,0412,81113.0%6.75%$225,000

Frequently asked questions

13.0% of applications in St. Croix County were denied in 2025, against 14.0% statewide in Wisconsin.

WESTCONSIN Credit Union, with 438 applications in 2025 and a denial rate of 10.5%.

The median mortgage application in St. Croix County in 2025 was for $225,000; the median property value on originated loans was $435,000.