Mortgage Lenders and Brokers in Spencer, 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
Spencer, Wisconsin mortgage lenders include Simplicity Credit UnionSimplicity Credit Union1401 E Becker Road, 54449, WI 00000A5.0 ★Texas Ratio: 9.92%, Forward BankForward Bank225 Alfred St, Athens, WI 54411A+5.0 ★Texas Ratio: 2.26%, Valley Communities Credit UnionValley Communities Credit Union2290 County Road X, Kronenwetter, WI 54455A+5.0 ★Texas Ratio: 1.10%, Partners Bank of WisconsinPartners Bank of Wisconsin201 W Clark St, Spencer, WI 54479A+5.0 ★Texas Ratio: 1.59%, Ixonia BankIxonia Bank491 N Main St, Dousman, WI 53118A+5.0 ★Texas Ratio: 2.14%, AbbyBankAbbyBank401 E Spruce St, Abbotsford, WI 54405A5.0 ★Texas Ratio: 11.72%, Royal Credit UnionRoyal Credit Union185 S Main St, Adams, WI 53910A+5.0 ★Texas Ratio: 0.41%, Covantage Credit UnionCovantage Credit UnionAntigo Middle School, Antigo, WI 54409A5.0 ★Texas Ratio: 10.08%, Prevail BankPrevail Bank110 Linn St, Baraboo, WI 53913A+5.0 ★Texas Ratio: 1.10%, and Citizens State BankCitizens State Bank304 N Main St, Cadott, WI 54727. 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 Spencer, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spencer 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 Spencer, Wisconsin
Market share is the lender's share of all home loans closed in Spencer, 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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1401 E Becker Road, 54449, WI 00000 A5.0 ★Texas Ratio: 9.92% |
Conventional, HELOC | 9 +5 HELOCs |
11% | 81.8% | $72,777 | View |
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225 Alfred St, Athens, WI 54411 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 8 | 9.8% | 100% | $247,500 | View |
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2290 County Road X, Kronenwetter, WI 54455 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 5 | 6.1% | 100% | $203,000 | View |
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201 W Clark St, Spencer, WI 54479 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 5 | 6.1% | 100% | $203,000 | View |
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491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, USDA | 4 | 4.9% | 100% | $227,500 | View |
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401 E Spruce St, Abbotsford, WI 54405 A5.0 ★Texas Ratio: 11.72% |
Conventional, USDA | 3 | 3.7% | 100% | $338,333 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 2 +4 HELOCs |
2.4% | 100% | $70,000 | View |
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Antigo Middle School, Antigo, WI 54409 A5.0 ★Texas Ratio: 10.08% |
Conventional, HELOC | 2 +2 HELOCs |
2.4% | 100% | $120,000 | View |
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110 Linn St, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.2% | 100% | $275,000 | View |
Citizens State Bank
304 N Main St, Cadott, WI 54727 |
Conventional | 1 | 1.2% | 50% | $65,000 | |
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7700 Mineral Point Rd, Madison, WI 53717 A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
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724 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 9 | 11% | 100% | $176,111 | |
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A+5.0 ★Texas Ratio: 2.07% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
Zippy Loans, LLC
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Conventional | 8 | 9.8% | 53.3% | $55,000 | |
Rocket Mortgage
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Conventional, FHA | 7 | 8.5% | 87.5% | $136,428 | |
Nations Lending Corporation
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Conventional, FHA, USDA | 4 | 4.9% | 100% | $187,500 | |
Guild Mortgage Company
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Conventional | 3 | 3.7% | 100% | $155,000 | |
Cardinal Financial Company, Li
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Conventional | 3 | 3.7% | 60% | $108,333 | |
Freedom Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $235,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.99% |
Conventional | 1 | 1.2% | 100% | $255,000 | |
Nationstar Mortgage
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VA | 1 | 1.2% | 100% | $205,000 | |
Mortgage Research Center
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VA | 1 | 1.2% | 100% | $265,000 | |
United Mortgage Corp.
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Conventional | 1 | 1.2% | 100% | $225,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Affinity Plus Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spencer 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 Spencer, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Spencer? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spencer in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spencer, WI
Use these to narrow the list above. Each category shows how many Spencer, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Spencer, WI
Independent mortgage companies closed 47.6 percent of home loans in Spencer, Wisconsin in 2025, banks 29.3 percent and credit unions 23.2 percent. Fairway Independent Mort Corp was the largest mortgage company, Forward Bank the largest bank and Simplicity Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Simplicity Credit Union led with 9 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 Spencer, WI
By home loans closed in 2025, Simplicity Credit Union was the largest mortgage lender in Spencer, Wisconsin with 9 loans, about 11 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Spencer, Wisconsin in 2025, led by Ixonia Bank with 1. 3 lenders closed VA loans, led by Fairway Independent Mort Corp, and 3 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. 9 banks and 6 credit unions closed home loans in Spencer, Wisconsin in 2025, alongside 12 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 Spencer, 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 Spencer, 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 Spencer. 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.
