Mortgage Lenders and Brokers in Spooner, 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
Spooner, Wisconsin mortgage lenders include Indianhead Credit UnionIndianhead Credit Union104 E MAPLE ST, SPOONER, WI 54801 1482A+5.0 ★Texas Ratio: 3.48%, Johnson BankJohnson Bank526 N River St, Spooner, WI 54801A+5.0 ★Texas Ratio: 1.47%, Citizens Community Federal N.A.Citizens Community Federal N.A.322 N River St, Spooner, WI 54801A5.0 ★Texas Ratio: 12.61%, BMO Harris Bank NABMO Harris Bank NA118 Elm St, Spooner, WI 54801A+5.0 ★Texas Ratio: 3.54%, Westconsin Credit UnionWestconsin Credit Union1395 Bluestem Blvd, Altoona, WI 54720A+5.0 ★Texas Ratio: 3.22%, Royal Credit UnionRoyal Credit Union185 S Main St, Adams, WI 53910A+5.0 ★Texas Ratio: 0.41%, US Bank, N.A.US Bank, N.A.2445 W Northland Ave, Appleton, WI 54914A+5.0 ★Texas Ratio: 2.85%, Bankers' BankBankers' Bank7700 Mineral Point Rd, Madison, WI 53717A5.0 ★Texas Ratio: 7.37%, Merchants Bank, National AssociationMerchants Bank, National Association2728 Mall Dr, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 3.28%, and Dairy State BankDairy State Bank124 N Main Street, Birchwood, WI 54817A+5.0 ★Texas Ratio: 0.30%. 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 Spooner, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spooner 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 Spooner, Wisconsin
Market share is the lender's share of all home loans closed in Spooner, 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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104 E MAPLE ST, SPOONER, WI 54801 1482 A+5.0 ★Texas Ratio: 3.48% |
Conventional, HELOC | 7 +9 HELOCs |
8% | 100% | $166,428 | View |
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1 office in Spooner 526 N River St, Spooner, WI 54801 A+5.0 ★Texas Ratio: 1.47% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
4.6% | 100% | $192,500 | View |
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1 office in Spooner 322 N River St, Spooner, WI 54801 A5.0 ★Texas Ratio: 12.61% |
Conventional, Jumbo | 3 | 3.4% | 100% | $481,666 | View |
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1 office in Spooner 118 Elm St, Spooner, WI 54801 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 6 +3 HELOCs |
6.9% | 75% | $340,000 | View |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 4 +7 HELOCs |
4.6% | 66.7% | $247,500 | View |
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2445 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA | 3 | 3.4% | 75% | $545,000 | View |
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7700 Mineral Point Rd, Madison, WI 53717 A5.0 ★Texas Ratio: 7.37% |
Conventional | 3 | 3.4% | 100% | $131,666 | View |
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2728 Mall Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 3.28% |
Conventional | 2 | 2.3% | 100% | $495,000 | View |
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124 N Main Street, Birchwood, WI 54817 A+5.0 ★Texas Ratio: 0.30% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
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102 Keller Ave S, Amery, WI 54001 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 1.1% | 100% | $405,000 | View |
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12850 W Bluemound Rd, Elm Grove, WI 53122 A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 1.1% | 100% | $195,000 | View |
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1435 Oneida St, Appleton, WI 54915 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 1.1% | 100% | $455,000 | View |
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141 W Main St, Alma Center, WI 54611 A5.0 ★Texas Ratio: 11.46% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,405,000 | View |
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302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
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205 Clark St, Algoma, WI 54201 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 1 | 1.1% | 100% | $225,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
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724 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
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491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 1.1% | 100% | $245,000 | View |
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6402 W Brown Deer Rd, Brown Deer, WI 53223 A5.0 ★Texas Ratio: 10.89% |
Conventional | 1 | 1.1% | 100% | $55,000 | View |
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4251 Southtowne Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 5.91% |
Conventional | 1 | 1.1% | 100% | $185,000 | View |
Superior Choice Credit Union
319 Ellis Ave, Ashland, WI 54806 1666 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Compeer Financial
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Conventional | 1 | 1.1% | 100% | $285,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 1.1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Uw Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, VA | 6 | 6.9% | 66.7% | $135,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 5 | 5.7% | 100% | $499,000 | |
United Wholesale Mortgage
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Conventional, VA | 3 | 3.4% | 100% | $228,333 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 3.4% | 100% | $325,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.3% | 66.7% | $85,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 2.3% | 100% | $180,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $455,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 1.1% | 100% | $205,000 | |
Zippy Loans, LLC
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Conventional | 1 | 1.1% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.1% | 100% | $595,000 | View |
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A+5.0 ★Texas Ratio: 0.09% |
Conventional | 1 | 1.1% | 100% | $155,000 | View |
Everett Financial, Inc.
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Conventional | 1 | 1.1% | 100% | $175,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.1% | 100% | $495,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.76% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,805,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 1.1% | 100% | $245,000 | |
American Financing Corporation
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Conventional | 1 | 1.1% | 100% | $135,000 | |
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★ 5 stars, 1 review A5.0 ★Texas Ratio: 8.73% |
Conventional | 1 | 1.1% | 100% | $175,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.1% | 100% | $105,000 | View |
American Pacific Mortgage Corporation
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USDA | 1 | 1.1% | 100% | $175,000 | |
Nationstar Mortgage
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FHA | 1 | 1.1% | 100% | $275,000 | |
Mortgage Research Center
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VA | 1 | 1.1% | 16.7% | $265,000 | |
Wings Financial Credit Union
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Conventional | 1 | 1.1% | 100% | $345,000 | |
New American Funding, LLC.
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FHA | 1 | 1.1% | 33.3% | $105,000 | |
21St Mortgage
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Conventional | 1 | 1.1% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 1.1% | 100% | $265,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Spooner 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 Spooner, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Spooner? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spooner in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spooner, WI
Use these to narrow the list above. Each category shows how many Spooner, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Spooner, WI
Independent mortgage companies closed 42.5 percent of home loans in Spooner, Wisconsin in 2025, banks 33.3 percent and credit unions 24.1 percent. Compeer Financial was the largest mortgage company, Johnson Bank the largest bank and Indianhead Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Indianhead Credit Union led with 7 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 Spooner, WI
By home loans closed in 2025, Indianhead Credit Union was the largest mortgage lender in Spooner, Wisconsin with 7 loans, about 8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Spooner, Wisconsin in 2025, led by Huntington National Bank with 1. 7 lenders closed VA loans, led by US Bank, N.A., 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. 21 banks and 12 credit unions closed home loans in Spooner, Wisconsin in 2025, alongside 22 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 Spooner, 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 Spooner, 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 Spooner. 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.
