Mortgage Lenders and Brokers in Waldo, 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
Waldo, Wisconsin mortgage lenders include Waldo State BankWaldo State Bank119 Depot St, Waldo, WI 53093B+4.7 ★Texas Ratio: 19.10%, Bank First N.A.Bank First N.A.4201 W Wisconsin Ave, Appleton, WI 54913A+5.0 ★Texas Ratio: 3.47%, Cleveland State BankCleveland State Bank1250 W Washington Ave, Cleveland, WI 53015A+5.0 ★Texas Ratio: 2.48%, Sheboygan Area Credit UnionSheboygan Area Credit Union1707 Indiana Ave, Sheboygan, WI 53081A+5.0 ★Texas Ratio: 0.48%, Oostburg State BankOostburg State Bank10 Phoenix St, Cedar Grove, WI 53013A+5.0 ★Texas Ratio: 0.89%, National Exchange Bank and TrustNational Exchange Bank and Trust901 Wisconsin St, Adell, WI 53001A+5.0 ★Texas Ratio: 1.09%, Marine Credit UnionMarine Credit Union302 Bay St, Chippewa Falls, WI 54729A5.0 ★Texas Ratio: 13.08%, Educators Credit UnionEducators Credit Union1154 Cranston Rd, Beloit, WI 53511A+5.0 ★Texas Ratio: 4.30%, Johnson BankJohnson Bank222 W College Ave, Appleton, WI 54911A+5.0 ★Texas Ratio: 1.47%, and Kohler Credit UnionKohler Credit Union2550 Washington St, Grafton, WI 53024 9397A+5.0 ★Texas Ratio: 2.37%. 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 Waldo, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waldo 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 Waldo, Wisconsin
Market share is the lender's share of all home loans closed in Waldo, 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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119 Depot St, Waldo, WI 53093 B+4.7 ★Texas Ratio: 19.10% |
Conventional | 7 | 10.6% | 100% | $269,285 | View |
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4201 W Wisconsin Ave, Appleton, WI 54913 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 5 +4 HELOCs |
7.6% | 83.3% | $333,000 | View |
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1250 W Washington Ave, Cleveland, WI 53015 A+5.0 ★Texas Ratio: 2.48% |
Conventional | 3 | 4.5% | 100% | $295,000 | View |
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1707 Indiana Ave, Sheboygan, WI 53081 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 2 | 3% | 100% | $35,000 | View |
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10 Phoenix St, Cedar Grove, WI 53013 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 2 | 3% | 100% | $305,000 | View |
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901 Wisconsin St, Adell, WI 53001 A+5.0 ★Texas Ratio: 1.09% |
Conventional | 2 | 3% | 100% | $200,000 | View |
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302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08% |
Conventional | 2 | 3% | 80% | $45,000 | View |
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1154 Cranston Rd, Beloit, WI 53511 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 2 | 3% | 100% | $100,000 | View |
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222 W College Ave, Appleton, WI 54911 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 2 | 3% | 100% | $505,000 | View |
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2550 Washington St, Grafton, WI 53024 9397 A+5.0 ★Texas Ratio: 2.37% |
Conventional, HELOC | 1 +4 HELOCs |
1.5% | 50% | $425,000 | View |
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106 E Main St, Beaver Dam, WI 53916 1837 A+5.0 ★Texas Ratio: 3.05% |
Conventional, HELOC | 1 +2 HELOCs |
1.5% | 100% | $335,000 | View |
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2626 S Oneida St, Appleton, WI 54915 2101 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 1 | 1.5% | 100% | $455,000 | View |
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141 South Willow Street, Eagle River, WI 54521 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 1.5% | 100% | $65,000 | View |
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1117 S 10th St, Manitowoc, WI 54220 5211 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 1.5% | 100% | $25,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.5% | 100% | $195,000 | View |
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545 Main St, Belgium, WI 53004 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 1.5% | 100% | $155,000 | View |
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724 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 1.5% | 100% | $225,000 | View |
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19601 W Bluemound Rd, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 1.5% | 100% | $375,000 | View |
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7700 Mineral Point Rd, Madison, WI 53717 A5.0 ★Texas Ratio: 7.37% |
Conventional | 1 | 1.5% | 100% | $255,000 | View |
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121 N Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2445 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 4.5% | 100% | $335,000 | |
Compeer Financial
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Conventional | 2 | 3% | 100% | $160,000 | |
Uw Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.5% | 100% | $425,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 7.6% | 100% | $195,000 | |
United Wholesale Mortgage
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VA | 2 | 3% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional | 2 | 3% | 66.7% | $115,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 3% | 100% | $195,000 | |
Nations Lending Corporation
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Conventional | 2 | 3% | 100% | $295,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.5% | 100% | $315,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.5% | 100% | $195,000 | |
Newrez LLC
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Conventional | 1 | 1.5% | 100% | $265,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.5% | 100% | $195,000 | |
United Trust Bank
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FHA | 1 | 1.5% | 100% | $155,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1.5% | 100% | $295,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 1.5% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 1.5% | 100% | $485,000 | View |
Mortgage Research Center
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Conventional | 1 | 1.5% | 100% | $75,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.5% | 100% | $385,000 | View |
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a |
Waldo 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 Waldo, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Waldo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waldo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waldo, WI
Use these to narrow the list above. Each category shows how many Waldo, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Waldo, WI
Independent mortgage companies closed 37.9 percent of home loans in Waldo, Wisconsin in 2025, banks 45.5 percent and credit unions 16.7 percent. Fairway Independent Mort Corp was the largest mortgage company, Waldo State Bank the largest bank and Sheboygan Area Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Waldo State Bank 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 Waldo, WI
By home loans closed in 2025, Waldo State Bank was the largest mortgage lender in Waldo, Wisconsin with 7 loans, about 10.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Waldo, Wisconsin in 2025, led by Guild Mortgage Company with 3. 3 lenders closed VA loans, led by United Wholesale Mortgage. 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. 17 banks and 8 credit unions closed home loans in Waldo, Wisconsin in 2025, alongside 15 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 Waldo, 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 Waldo, 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 Waldo. 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.
