Mortgage Lenders and Brokers in Ladysmith, 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
Ladysmith, Wisconsin mortgage lenders include Security Financial BankSecurity Financial Bank200 Miner Ave W, Ladysmith, WI 54848A5.0 ★Texas Ratio: 11.46%, Citizens Community Federal N.A.Citizens Community Federal N.A.810 Miner Ave W, Ladysmith, WI 54848A5.0 ★Texas Ratio: 12.61%, Connexus Credit UnionConnexus Credit Union701 Miner Ave W, Ladysmith, WI 54848A-5.0 ★Texas Ratio: 15.51%, Royal Credit UnionRoyal Credit Union185 S Main St, Adams, WI 53910A+5.0 ★Texas Ratio: 0.41%, Associated Bank NAAssociated Bank NA724 5th Ave, Antigo, WI 54409A+5.0 ★Texas Ratio: 3.45%, The Bank of New GlarusThe Bank of New Glarus12 North Shore Dr, Belleville, WI 53508A-5.0 ★Texas Ratio: 15.01%, Westconsin Credit UnionWestconsin Credit Union1395 Bluestem Blvd, Altoona, WI 54720A+5.0 ★Texas Ratio: 3.22%, Oostburg State BankOostburg State Bank10 Phoenix St, Cedar Grove, WI 53013A+5.0 ★Texas Ratio: 0.89%, Marine Credit UnionMarine Credit Union302 Bay St, Chippewa Falls, WI 54729A5.0 ★Texas Ratio: 13.08%, and Wells Fargo Bank NAWells Fargo Bank NA3321 N Ballard Rd, Appleton, WI 54911A+5.0 ★Texas Ratio: 5.36%. 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 Ladysmith, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ladysmith 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 Ladysmith, Wisconsin
Market share is the lender's share of all home loans closed in Ladysmith, 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 Ladysmith 200 Miner Ave W, Ladysmith, WI 54848 A5.0 ★Texas Ratio: 11.46% |
Conventional | 4 | 8.2% | 100% | $92,500 | View |
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1 office in Ladysmith 810 Miner Ave W, Ladysmith, WI 54848 A5.0 ★Texas Ratio: 12.61% |
Conventional | 2 | 4.1% | 100% | $115,000 | View |
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701 Miner Ave W, Ladysmith, WI 54848 A-5.0 ★Texas Ratio: 15.51% |
Conventional, HELOC | 4 +1 HELOCs |
8.2% | 100% | $75,000 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 4 | 8.2% | 100% | $152,500 | View |
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724 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 3 | 6.1% | 100% | $158,333 | View |
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12 North Shore Dr, Belleville, WI 53508 A-5.0 ★Texas Ratio: 15.01% |
Conventional | 1 | 2% | 100% | $105,000 | View |
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1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 2% | 50% | $145,000 | View |
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10 Phoenix St, Cedar Grove, WI 53013 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 2% | 100% | $145,000 | View |
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302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08% |
Conventional | 1 | 2% | 33.3% | $165,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 2% | 50% | $125,000 | View |
Citizens State Bank
304 N Main St, Cadott, WI 54727 |
Conventional | 1 | 2% | 100% | $95,000 | |
Compeer Financial
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Conventional | 1 | 2% | 100% | $115,000 | |
Rocket Mortgage
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Conventional, FHA | 4 | 8.2% | 66.7% | $165,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 3 | 6.1% | 100% | $91,666 | View |
American Pacific Mortgage Corporation
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USDA | 2 | 4.1% | 100% | $145,000 | |
Mortgage Research Center
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VA | 2 | 4.1% | 66.7% | $155,000 | |
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A5.0 ★Texas Ratio: 8.84% |
FHA | 1 | 2% | 100% | $335,000 | View |
United Wholesale Mortgage
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FHA | 1 | 2% | 100% | $115,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 2% | 100% | $95,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 2% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 2% | 100% | $255,000 | View |
loanDepot.com LLC
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VA | 1 | 2% | 50% | $205,000 | |
New Day Financial, LLC.
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VA | 1 | 2% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 2% | 100% | $65,000 | View |
Nationstar Mortgage
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Conventional | 1 | 2% | 100% | $135,000 | |
My Credit Union
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Conventional | 1 | 2% | 100% | $205,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 2% | 100% | $155,000 | |
New American Funding, LLC.
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Conventional | 1 | 2% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 2% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 2% | 100% | $165,000 | View |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ladysmith 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 Ladysmith, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Ladysmith? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ladysmith in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ladysmith, WI
Use these to narrow the list above. Each category shows how many Ladysmith, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Ladysmith, WI
Independent mortgage companies closed 34.7 percent of home loans in Ladysmith, Wisconsin in 2025, banks 42.9 percent and credit unions 22.4 percent. Compeer Financial was the largest mortgage company, Security Financial Bank the largest bank and Connexus Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Security Financial Bank led with 4 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 Ladysmith, WI
By home loans closed in 2025, Security Financial Bank was the largest mortgage lender in Ladysmith, Wisconsin with 4 loans, about 8.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Ladysmith, Wisconsin in 2025, led by Wells Fargo Bank NA with 1. 4 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 14 banks and 5 credit unions closed home loans in Ladysmith, Wisconsin in 2025, alongside 13 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 Ladysmith, 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 Ladysmith, 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 Ladysmith. 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.
