Mortgage lending in St. Croix County, Wisconsin
Lenders in St. Croix County, Wisconsin reported 4,041 mortgage applications for 2025, according to the CFPB.
4,041 mortgage applications and 2,811 loans originated in 2025; the denial rate was 15.2% of 3,449 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area.
- 4,041
- Applications
- 2,811
- Loans originated
- 15.2%
- Denial rate
- 524 denied of 3,449 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,041 | 2,811 |
| 2024 | 3,512 | 2,439 |
| 2023 | 3,243 | 2,200 |
| 2022 | 4,704 | 3,241 |
| 2021 | 8,821 | 6,589 |
| 2020 | 10,131 | 7,415 |
| 2019 | 6,342 | 4,536 |
| 2018 | 5,013 | 3,439 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Westconsin Credit Union | 317 | 438 |
| Royal Credit Union | 257 | 347 |
| Associated Bank NA | 168 | 240 |
| Rocket Mortgage | 124 | 169 |
| Bell Bank | 109 | 129 |
| Crosscountry Mortgage, LLC | 102 | 124 |
| United Wholesale Mortgage | 99 | 138 |
| Guaranteed Rate, Inc. | 68 | 84 |
| Fairway Independent Mort Corp | 60 | 71 |
| US Bank, N.A. | 60 | 105 |
| Prosperity Home Mortgage, LLC | 50 | 63 |
| First National Community Bank | 44 | 46 |
| Mortgage Research Center | 41 | 71 |
| Trustone Financial Credit Union | 41 | 55 |
| Waterstone Mortgage Corporation | 38 | 50 |
| Affinity Plus Federal Credit Union | 38 | 48 |
| Pennymac Loan Services LLC | 36 | 62 |
| Compeer Financial | 35 | 47 |
| River Falls State Bank | 35 | 36 |
| Midwestone Bank | 34 | 49 |
| Tradition Mortgage, LLC | 31 | 32 |
| loanDepot.com LLC | 31 | 53 |
| Ixonia Bank | 31 | 38 |
| First State Bank and Trust | 29 | 44 |
| Ideal Credit Union | 26 | 38 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 37 | no rate: base under 50 |
| Black or African American | 14 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,401 | 14.9% of 2,923 decided |
| 2 or more minority races | under 10 | |
| Joint | 57 | 15.4% of 52 decided |
| Race Not Available | 516 | 16.7% of 419 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 58 | no rate: base under 50 |
| Not Hispanic or Latino | 3,341 | 14.8% of 2,884 decided |
| Joint | 59 | 13.5% of 52 decided |
| Ethnicity Not Available | 583 | 17.0% of 465 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,053 | 19.0% of 883 decided |
| Female | 654 | 18.4% of 577 decided |
| Joint | 1,988 | 12.2% of 1,711 decided |
| Sex Not Available | 346 | 15.1% of 278 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 649 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved