Mortgage Lenders and Brokers in Houlton, 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
Houlton, Wisconsin mortgage lenders include Associated Bank NAAssociated Bank NA724 5th Ave, Antigo, WI 54409A+5.0 ★Texas Ratio: 3.45%, First State Bank and TrustFirst State Bank and Trust441 Stageline Rd, Hudson, WI 54016A+5.0 ★Texas Ratio: 0.25%, US Bank, N.A.US Bank, N.A.2445 W Northland Ave, Appleton, WI 54914A+5.0 ★Texas Ratio: 2.85%, Citizens State BankCitizens State Bank601 S Main St, Elmwood, WI 54740A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA3321 N Ballard Rd, Appleton, WI 54911A+5.0 ★Texas Ratio: 5.36%, Ixonia BankIxonia Bank491 N Main St, Dousman, WI 53118A+5.0 ★Texas Ratio: 2.14%, 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%, Huntington National BankHuntington National Bank12850 W Bluemound Rd, Elm Grove, WI 53122A+5.0 ★Texas Ratio: 3.66%, and The First National Bank of River FallsThe First National Bank of River Falls1151 Canton St, Prescott, WI 54021A+5.0 ★Texas Ratio: 2.74%. 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 Houlton, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Houlton 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 Houlton, Wisconsin
Market share is the lender's share of all home loans closed in Houlton, 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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724 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.45% |
Conventional, Jumbo, HELOC | 10 +9 HELOCs |
10% | 90.9% | $902,000 | View |
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441 Stageline Rd, Hudson, WI 54016 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 4 | 4% | 100% | $492,500 | View |
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2445 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +5 HELOCs |
2% | 50% | $275,000 | View |
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601 S Main St, Elmwood, WI 54740 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2% | 100% | $90,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2% | 100% | $135,000 | View |
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491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14% |
Conventional, Jumbo | 2 | 2% | 100% | $850,000 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 1 +4 HELOCs |
1% | 100% | $325,000 | View |
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1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1% | 100% | $1,045,000 | View |
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12850 W Bluemound Rd, Elm Grove, WI 53122 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 33.3% | $565,000 | View |
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1151 Canton St, Prescott, WI 54021 A+5.0 ★Texas Ratio: 2.74% |
Conventional | 1 | 1% | 100% | $245,000 | View |
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111 State Road 35 N, Dresser, WI 54009 A+5.0 ★Texas Ratio: 1.08% |
Conventional | 1 | 1% | 100% | $665,000 | View |
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1430 Rivers Edge Trl, Altoona, WI 54720 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 1 | 1% | 100% | $515,000 | View |
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121 N Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fairway Independent Mort Corp
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Conventional | 3 | 3% | 100% | $398,333 | |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional | 1 | 1% | 100% | $805,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 10 | 10% | 100% | $384,000 | View |
United Wholesale Mortgage
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Conventional, FHA | 6 | 6% | 100% | $406,666 | |
Rocket Mortgage
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Conventional, Jumbo | 5 | 5% | 71.4% | $573,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 5 | 5% | 100% | $451,000 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 4% | 100% | $530,000 | |
Affinity Plus Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
3% | 100% | $31,666 | |
Summit Mortgage Corporation
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Conventional | 3 | 3% | 100% | $578,333 | |
Tradition Mortgage, LLC
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Conventional | 3 | 3% | 100% | $441,666 | |
Midwestone Bank
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Conventional, Jumbo, HELOC | 2 +8 HELOCs |
2% | 100% | $865,000 | |
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A5.0 ★Texas Ratio: 7.45% |
Conventional | 2 | 2% | 100% | $470,000 | View |
Newrez LLC
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Conventional, VA | 2 | 2% | 100% | $410,000 | |
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A+5.0 ★Texas Ratio: 0.36% |
Conventional | 2 | 2% | 100% | $730,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 2 | 2% | 100% | $770,000 | View |
21St Mortgage
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Conventional | 2 | 2% | 66.7% | $90,000 | |
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A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 1 +4 HELOCs |
1% | 100% | $125,000 | |
Ideal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
1% | 50% | $105,000 | |
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A+5.0 ★Texas Ratio: 4.63% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 1% | 100% | $2,005,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 1% | 100% | $535,000 | View |
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A4.7 ★Texas Ratio: 6.01% |
Conventional | 1 | 1% | 100% | $545,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 1% | 100% | $255,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 1% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 1% | 25% | $515,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 1% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 1% | 100% | $245,000 | View |
Heartland Credit Union
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Conventional | 1 | 1% | 100% | $75,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 5.11% |
Conventional | 1 | 1% | 100% | $405,000 | View |
Wings Financial Credit Union
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Conventional | 1 | 1% | 50% | $615,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 1% | 100% | $245,000 | View |
American Neighborhood Mortgage Acceptance Company
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VA | 1 | 1% | 100% | $455,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Houlton 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 Houlton, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Houlton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Houlton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Houlton, WI
Use these to narrow the list above. Each category shows how many Houlton, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Houlton, WI
Independent mortgage companies closed 38 percent of home loans in Houlton, Wisconsin in 2025, banks 52 percent and credit unions 10 percent. Fairway Independent Mort Corp was the largest mortgage company, Associated Bank NA the largest bank and Royal Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Associated Bank NA led with 10 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 Houlton, WI
By home loans closed in 2025, Associated Bank NA was the largest mortgage lender in Houlton, Wisconsin with 10 loans, about 10 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Houlton, Wisconsin in 2025, led by United Wholesale Mortgage with 1. 2 lenders closed VA loans, led by Newrez LLC. 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. 27 banks and 8 credit unions closed home loans in Houlton, 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 Houlton, 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 Houlton, 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 Houlton. 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.
