Mortgage Lenders and Brokers in Cumberland, Wisconsin
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cumberland, Wisconsin mortgage lenders include Dairy State BankDairy State Bank1405 2nd Ave, Cumberland, WI 54829A+5.0 ★Texas Ratio: 0.30%, US Bank, N.A.US Bank, N.A.1485 2nd Ave, Cumberland, WI 54829A+5.0 ★Texas Ratio: 2.85%, Royal Credit UnionRoyal Credit Union185 S Main St, Adams, WI 53910A+5.0 ★Texas Ratio: 0.41%, Westconsin Credit UnionWestconsin Credit Union1395 Bluestem Blvd, Altoona, WI 54720A+5.0 ★Texas Ratio: 3.22%, Bank Five NineBank Five Nine18815 W Capitol Dr, Brookfield, WI 53045A5.0 ★Texas Ratio: 8.25%, Frandsen Bank & TrustFrandsen Bank & Trust4251 Southtowne Dr, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 5.91%, Merchants Bank, National AssociationMerchants Bank, National Association2728 Mall Dr, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 3.28%, Co-op Credit UnionCo-op Credit Union100 E Main St, Black River Falls, WI 54615A+5.0 ★Texas Ratio: 5.54%, Chippewa Valley BankChippewa Valley Bank1508 Lake Shore Dr W, Ashland, WI 54806A+5.0 ★Texas Ratio: 1.81%, and Johnson BankJohnson Bank222 W College Ave, Appleton, WI 54911A+5.0 ★Texas Ratio: 1.47%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cumberland, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cumberland are listed first, then lenders elsewhere in Wisconsin, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cumberland, Wisconsin
Market share is the lender's share of all home loans closed in Cumberland, Wisconsin. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Cumberland 1405 2nd Ave, Cumberland, WI 54829 A+5.0 ★Texas Ratio: 0.30% |
Conventional | 11 | 15.1% | 78.6% | $106,818 | View |
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1 office in Cumberland 1485 2nd Ave, Cumberland, WI 54829 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +4 HELOCs |
8.2% | 100% | $185,000 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 4 +3 HELOCs |
5.5% | 83.3% | $180,000 | View |
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1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 3 +4 HELOCs |
4.1% | 75% | $88,333 | View |
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18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25% |
Conventional | 2 | 2.7% | 100% | $395,000 | View |
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4251 Southtowne Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 2 | 2.7% | 100% | $300,000 | View |
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2728 Mall Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 3.28% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $355,000 | View |
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100 E Main St, Black River Falls, WI 54615 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 1.4% | 100% | $265,000 | View |
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1508 Lake Shore Dr W, Ashland, WI 54806 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
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222 W College Ave, Appleton, WI 54911 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 1.4% | 100% | $685,000 | View |
Superior Choice Credit Union
319 Ellis Ave, Ashland, WI 54806 1666 |
Conventional | 1 | 1.4% | 100% | $295,000 | |
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7700 Mineral Point Rd, Madison, WI 53717 A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 1.4% | 100% | $365,000 | View |
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15 S Main St, Deerfield, WI 53531 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.4% | 100% | $325,000 | View |
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27 W Main St, Belleville, WI 53508 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 1.4% | 100% | $245,000 | View |
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725 S ROBERT ST, GRANTSBURG, WI 54840 7956 A+5.0 ★Texas Ratio: 3.48% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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121 N Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.4% | 100% | $205,000 | |
Uw Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA | 5 | 6.8% | 100% | $209,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 5.5% | 66.7% | $187,500 | |
Rocket Mortgage
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Conventional, FHA | 3 | 4.1% | 50% | $155,000 | |
Guild Mortgage Company
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Conventional, FHA | 3 | 4.1% | 100% | $188,333 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA | 3 | 4.1% | 100% | $398,333 | View |
New American Funding, LLC.
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Conventional, VA | 2 | 2.7% | 100% | $245,000 | |
The Loan Store, Inc
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Conventional | 2 | 2.7% | 100% | $360,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.4% | 50% | $385,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 1.4% | 100% | $185,000 | |
Everett Financial, Inc.
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VA | 1 | 1.4% | 100% | $295,000 | |
Newrez LLC
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Conventional | 1 | 1.4% | 50% | $495,000 | |
Pennymac Loan Services LLC
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USDA | 1 | 1.4% | 100% | $135,000 | |
Click n' Close, Inc.
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FHA | 1 | 1.4% | 100% | $215,000 | |
American Financing Corporation
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VA | 1 | 1.4% | 50% | $375,000 | |
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★ 5 stars, 1 review A5.0 ★Texas Ratio: 8.73% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
AIM Credit Union
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Conventional | 1 | 1.4% | 100% | $555,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.4% | 100% | $65,000 | |
Wings Financial Credit Union
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Conventional, Jumbo | 1 | 1.4% | 100% | $1,175,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 0.16% |
Conventional | 1 | 1.4% | 100% | $725,000 | View |
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A+5.0 ★Texas Ratio: 4.63% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cumberland Mortgage Rate Trends
Daily average mortgage rates for Wisconsin compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cumberland, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Cumberland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cumberland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cumberland, WI
Use these to narrow the list above. Each category shows how many Cumberland, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Cumberland, WI
Independent mortgage companies closed 39.7 percent of home loans in Cumberland, Wisconsin in 2025, banks 43.8 percent and credit unions 16.4 percent. Fairway Independent Mort Corp was the largest mortgage company, Dairy State Bank the largest bank and Royal Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Dairy State Bank led with 11 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Wisconsin. Real estate transfer fee of $3 per $1,000 of value (0.3 percent), paid by the seller (Wis. Stat. 77.22); no mortgage tax.
More Wisconsin Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cumberland, WI
By home loans closed in 2025, Dairy State Bank was the largest mortgage lender in Cumberland, Wisconsin with 11 loans, about 15.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Cumberland, Wisconsin in 2025, led by CrossCountry Mortgage, LLC with 2. 6 lenders closed VA loans, led by CrossCountry Mortgage, LLC, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 9 credit unions closed home loans in Cumberland, Wisconsin in 2025, alongside 16 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cumberland, Wisconsin during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cumberland, Wisconsin for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cumberland. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
