Mortgage Lenders and Brokers in Merrill, 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
Merrill, Wisconsin mortgage lenders include IncrediblebankIncrediblebank3210 E Main St, Merrill, WI 54452A5.0 ★Texas Ratio: 7.72%, Nicolet National BankNicolet National Bank1400 E Main St, Merrill, WI 54452A+5.0 ★Texas Ratio: 2.28%, Associated Bank NAAssociated Bank NA2403 E Main St, Merrill, WI 54452A+5.0 ★Texas Ratio: 3.45%, BMO Harris Bank NABMO Harris Bank NA900 E Main St, Merrill, WI 54452A+5.0 ★Texas Ratio: 3.54%, Covantage Credit UnionCovantage Credit UnionAntigo Middle School, Antigo, WI 54409A5.0 ★Texas Ratio: 10.08%, Cloverbelt Credit UnionCloverbelt Credit Union110 McIndoe St, Wausau, WI 54403 4742A+5.0 ★Texas Ratio: 1.52%, Peoples State BankPeoples State Bank1011 E Wall St, Eagle River, WI 54521A5.0 ★Texas Ratio: 11.20%, Ixonia BankIxonia Bank491 N Main St, Dousman, WI 53118A+5.0 ★Texas Ratio: 2.14%, US Bank, N.A.US Bank, N.A.2445 W Northland Ave, Appleton, WI 54914A+5.0 ★Texas Ratio: 2.85%, and Connexus Credit UnionConnexus Credit Union1502 N Highway Blvd, Chetek, WI 54728A-5.0 ★Texas Ratio: 15.51%. 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 Merrill, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Merrill 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 Merrill, Wisconsin
Market share is the lender's share of all home loans closed in Merrill, 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 Merrill 3210 E Main St, Merrill, WI 54452 A5.0 ★Texas Ratio: 7.72% |
Conventional | 18 | 5.6% | 94.7% | $166,111 | View |
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1 office in Merrill 1400 E Main St, Merrill, WI 54452 A+5.0 ★Texas Ratio: 2.28% |
Conventional, HELOC | 13 +8 HELOCs |
4% | 100% | $203,461 | View |
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1 office in Merrill 2403 E Main St, Merrill, WI 54452 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 6 +12 HELOCs |
1.9% | 100% | $256,666 | View |
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1 office in Merrill 900 E Main St, Merrill, WI 54452 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 3 +19 HELOCs |
0.9% | 50% | $125,000 | View |
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Antigo Middle School, Antigo, WI 54409 A5.0 ★Texas Ratio: 10.08% |
Conventional, HELOC | 67 +58 HELOCs |
20.9% | 92% | $175,298 | View |
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110 McIndoe St, Wausau, WI 54403 4742 A+5.0 ★Texas Ratio: 1.52% |
Conventional | 7 | 2.2% | 100% | $169,285 | View |
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1011 E Wall St, Eagle River, WI 54521 A5.0 ★Texas Ratio: 11.20% |
Conventional | 6 | 1.9% | 88.9% | $221,666 | View |
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491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14% |
Conventional, VA, USDA | 5 | 1.6% | 100% | $157,000 | View |
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2445 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
1.2% | 50% | $210,000 | View |
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1502 N Highway Blvd, Chetek, WI 54728 A-5.0 ★Texas Ratio: 15.51% |
Conventional, HELOC | 3 +2 HELOCs |
0.9% | 75% | $68,333 | View |
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401 E Spruce St, Abbotsford, WI 54405 A5.0 ★Texas Ratio: 11.72% |
Conventional | 3 | 0.9% | 100% | $251,666 | View |
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302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08% |
Conventional | 2 | 0.6% | 66.7% | $200,000 | View |
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18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25% |
Conventional, FHA | 2 | 0.6% | 100% | $155,000 | View |
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871 Commerce Ave, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 4.84% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $205,000 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $305,000 | View |
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2550 Washington St, Grafton, WI 53024 9397 A+5.0 ★Texas Ratio: 2.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $145,000 | View |
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★ 1.7 stars, 3 reviews 12805 W Bluemound Rd, Brookfield, WI 53005 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $115,000 | View |
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806 E Exchange St, Brodhead, WI 53520 A5.0 ★Texas Ratio: 9.85% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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111 N Main St, Edgerton, WI 53534 B4.4 ★Texas Ratio: 21.94% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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3401 E Calumet St, Appleton, WI 54915 4757 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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4201 W Wisconsin Ave, Appleton, WI 54913 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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106 E Main St, Beaver Dam, WI 53916 1837 A+5.0 ★Texas Ratio: 3.05% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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110 Linn St, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 50% | $55,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 50% | $95,000 | View |
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225 Alfred St, Athens, WI 54411 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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19105 W Capitol Drive, Brookfield, WI 53045 A+5.0 ★Texas Ratio: 2.81% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
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2290 County Road X, Kronenwetter, WI 54455 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
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501 N Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
Uw Credit Union
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Conventional | 5 | 1.6% | 100% | $267,000 | |
Compeer Financial
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Conventional | 3 | 0.9% | 100% | $258,333 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 0.9% | 100% | $185,000 | |
Intercity State Bank
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Conventional | 2 | 0.6% | 66.7% | $215,000 | |
Thompson Kane & Company, Inc
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Conventional | 1 | 0.3% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 35 | 10.9% | 79.5% | $172,714 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 24 | 7.5% | 86.2% | $173,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 3.7% | 85.7% | $237,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 7 | 2.2% | 100% | $120,714 | |
Mortgage Research Center
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VA | 5 | 1.6% | 83.3% | $221,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 1.6% | 100% | $161,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 1.2% | 66.7% | $242,500 | |
Triad Financial Services, Inc.
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Conventional | 4 | 1.2% | 87.5% | $42,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.2% | 66.7% | $125,000 | |
Zippy Loans, LLC
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Conventional | 3 | 0.9% | 42.9% | $58,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 0.9% | 100% | $288,333 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 0.9% | 100% | $131,666 | |
First Colony Mortgage Corporat
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Conventional | 3 | 0.9% | 100% | $188,333 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.9% | 75% | $255,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 3 | 0.9% | 100% | $201,666 | View |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.6% | 100% | $150,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.6% | 66.7% | $290,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.6% | 100% | $430,000 | View |
Nations Lending Corporation
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FHA, USDA | 2 | 0.6% | 100% | $170,000 | |
Paramount Residential Mortgage
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FHA, VA | 2 | 0.6% | 100% | $260,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 0.6% | 66.7% | $150,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 50% | $225,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $145,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 50% | $45,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $205,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.3% | 25% | $125,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.3% | 100% | $205,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.3% | 100% | $175,000 | |
AgCountry Farm Credit Services, FLCA
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Conventional | 1 | 0.3% | 100% | $405,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
First Northern Credit Union
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $265,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.3% | 100% | $205,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 1.59% |
USDA | 1 | 0.3% | 100% | $125,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.3% | 50% | $205,000 | View |
21St Mortgage
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Conventional | 1 | 0.3% | 100% | $75,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Merrill 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 Merrill, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Merrill? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Merrill in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Merrill, WI
Use these to narrow the list above. Each category shows how many Merrill, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Merrill, WI
Independent mortgage companies closed 46.7 percent of home loans in Merrill, Wisconsin in 2025, banks 24.9 percent and credit unions 28.3 percent. Compeer Financial was the largest mortgage company, Incrediblebank the largest bank and Covantage Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Incrediblebank led with 18 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 Merrill, WI
By home loans closed in 2025, Incrediblebank was the largest mortgage lender in Merrill, Wisconsin with 18 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Merrill, Wisconsin, Covantage Credit Union approved the highest share of completed applications in 2025 at 92 percent, against a 85.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Merrill, Wisconsin in 2025, led by Guild Mortgage Company with 12. 14 lenders closed VA loans, led by United Wholesale Mortgage, and 4 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. 27 banks and 12 credit unions closed home loans in Merrill, Wisconsin in 2025, alongside 41 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 Merrill, 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 Merrill, 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 Merrill. 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.
