Which mortgage lender in the La Crosse, WI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the La Crosse, WI area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the La Crosse, WI area in terms of interest rate is Merchants Bank, with an average “Rate Difference” of -0.07%. This means that, comparing similar borrowers, Merchants Bank provided a -0.07% lower interest rate for its customers than other lenders in the area. Merchants Bank has a market share of 7.7%. On the other hand, the most popular lender in the La Crosse, WI area is Altra Federal Credit Union, with a larger market share of 44.3%. Altra Federal Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.05% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the La Crosse, WI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in La Crosse, WI is Merchants Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Altra Federal Credit Union. The cheapest VA mortgage provider is Flagstar Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in La Crosse, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.07% | 7.69% | |
| Altra Federal Credit Union | -0.05% | 44.27% | |
| Royal Bank | -0.04% | 1.69% | |
| Flagstar Bank | -0.03% | 1.62% | |
| Associated Bank | -0.01% | 4.60% | |
| Verve a Credit Union | 0.00% | 1.65% | |
| Home Federal Savings Bank | 0.01% | 1.29% | |
| US Bank | 0.05% | 2.37% | |
| USAA | 0.05% | 1.55% | |
| Bremer Bank | 0.05% | 2.41% | |
| Servion | 0.05% | 10.74% | |
| Wells Fargo Bank | 0.06% | 2.62% | |
| AMEC Home Loans | 0.07% | 4.38% | |
| Guaranteed Rate | 0.09% | 1.58% | |
| Citizens State Bank of La Crosse | 0.10% | 3.09% | |
| Finance of America Mortgage | 0.14% | 3.56% | |
| Quicken Loans | 0.17% | 4.89% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.05% | 7.08% | |
| Associated Bank | -0.05% | 4.83% | |
| Altra Federal Credit Union | -0.05% | 38.33% | |
| Royal Bank | -0.04% | 1.70% | |
| Home Federal Savings Bank | -0.03% | 1.70% | |
| Flagstar Bank | -0.03% | 1.97% | |
| Verve a Credit Union | -0.00% | 1.02% | |
| US Bank | 0.01% | 3.13% | |
| Wells Fargo Bank | 0.02% | 3.88% | |
| Servion | 0.03% | 9.26% | |
| Bremer Bank | 0.04% | 3.47% | |
| USAA | 0.04% | 2.59% | |
| AMEC Home Loans | 0.06% | 6.40% | |
| Quicken Loans | 0.06% | 3.13% | |
| Guaranteed Rate | 0.09% | 2.52% | |
| Citizens State Bank of La Crosse | 0.12% | 2.93% | |
| Finance of America Mortgage | 0.13% | 6.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.08% | 8.37% | |
| Altra Federal Credit Union | -0.06% | 50.91% | |
| Royal Bank | -0.04% | 1.67% | |
| Flagstar Bank | -0.03% | 1.22% | |
| Verve a Credit Union | 0.01% | 2.36% | |
| Associated Bank | 0.03% | 4.34% | |
| Guaranteed Rate | 0.05% | 0.53% | |
| USAA | 0.06% | 0.38% | |
| Bremer Bank | 0.06% | 1.22% | |
| Home Federal Savings Bank | 0.07% | 0.84% | |
| Citizens State Bank of La Crosse | 0.07% | 3.27% | |
| Servion | 0.08% | 12.40% | |
| AMEC Home Loans | 0.08% | 2.13% | |
| Finance of America Mortgage | 0.09% | 0.76% | |
| US Bank | 0.11% | 1.52% | |
| Wells Fargo Bank | 0.16% | 1.22% | |
| Quicken Loans | 0.24% | 6.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.06% | 8.73% | |
| Altra Federal Credit Union | -0.05% | 49.44% | |
| Royal Bank | -0.03% | 1.96% | |
| Associated Bank | -0.01% | 5.09% | |
| Verve a Credit Union | 0.01% | 1.92% | |
| Home Federal Savings Bank | 0.01% | 1.42% | |
| US Bank | 0.05% | 2.51% | |
| Bremer Bank | 0.06% | 2.13% | |
| Flagstar Bank | 0.06% | 0.21% | |
| Servion | 0.06% | 11.52% | |
| Wells Fargo Bank | 0.07% | 2.71% | |
| USAA | 0.09% | 0.29% | |
| Citizens State Bank of La Crosse | 0.10% | 3.59% | |
| AMEC Home Loans | 0.12% | 2.09% | |
| Guaranteed Rate | 0.13% | 1.00% | |
| Finance of America Mortgage | 0.13% | 2.21% | |
| Quicken Loans | 0.29% | 3.17% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.05% | 8.53% | |
| Associated Bank | -0.04% | 5.80% | |
| Altra Federal Credit Union | -0.04% | 44.50% | |
| Royal Bank | -0.03% | 2.13% | |
| Home Federal Savings Bank | -0.03% | 1.96% | |
| Verve a Credit Union | 0.00% | 1.28% | |
| US Bank | 0.02% | 3.58% | |
| Wells Fargo Bank | 0.03% | 4.18% | |
| Servion | 0.05% | 10.14% | |
| Bremer Bank | 0.05% | 2.98% | |
| Flagstar Bank | 0.05% | 0.34% | |
| USAA | 0.08% | 0.60% | |
| AMEC Home Loans | 0.11% | 3.07% | |
| Finance of America Mortgage | 0.13% | 3.84% | |
| Guaranteed Rate | 0.13% | 1.71% | |
| Citizens State Bank of La Crosse | 0.13% | 3.67% | |
| Quicken Loans | 0.13% | 1.71% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Merchants Bank | -0.08% | 8.92% | |
| Altra Federal Credit Union | -0.06% | 54.17% | |
| Royal Bank | -0.03% | 1.80% | |
| Verve a Credit Union | 0.01% | 2.54% | |
| Associated Bank | 0.03% | 4.42% | |
| Flagstar Bank | 0.06% | 0.08% | |
| Bremer Bank | 0.07% | 1.31% | |
| Home Federal Savings Bank | 0.07% | 0.90% | |
| Citizens State Bank of La Crosse | 0.07% | 3.52% | |
| Guaranteed Rate | 0.07% | 0.33% | |
| Servion | 0.08% | 12.85% | |
| Finance of America Mortgage | 0.10% | 0.65% | |
| US Bank | 0.12% | 1.47% | |
| AMEC Home Loans | 0.13% | 1.15% | |
| Wells Fargo Bank | 0.16% | 1.31% | |
| Quicken Loans | 0.35% | 4.58% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Altra Federal Credit Union | -0.11% | 10.92% | |
| Flagstar Bank | -0.09% | 6.90% | |
| Servion | -0.04% | 2.87% | |
| Quicken Loans | -0.04% | 17.82% | |
| Wells Fargo Bank | -0.03% | 0.57% | |
| Bremer Bank | -0.03% | 2.30% | |
| AMEC Home Loans | -0.02% | 26.44% | |
| Merchants Bank | -0.02% | 0.57% | |
| Home Federal Savings Bank | -0.01% | 0.57% | |
| US Bank | -0.01% | 0.57% | |
| Guaranteed Rate | 0.04% | 6.90% | |
| Finance of America Mortgage | 0.13% | 23.56% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Altra Federal Credit Union | -0.12% | 12.41% | |
| Flagstar Bank | -0.10% | 7.59% | |
| Servion | -0.05% | 3.45% | |
| Quicken Loans | -0.04% | 8.97% | |
| Wells Fargo Bank | -0.04% | 0.69% | |
| AMEC Home Loans | -0.03% | 26.90% | |
| Bremer Bank | -0.03% | 2.76% | |
| Merchants Bank | -0.02% | 0.69% | |
| Home Federal Savings Bank | -0.02% | 0.69% | |
| US Bank | -0.01% | 0.69% | |
| Guaranteed Rate | 0.04% | 7.59% | |
| Finance of America Mortgage | 0.13% | 27.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 62.07% | |
| Guaranteed Rate | -0.00% | 3.45% | |
| Altra Federal Credit Union | 0.00% | 3.45% | |
| Finance of America Mortgage | 0.03% | 3.45% | |
| AMEC Home Loans | 0.03% | 24.14% | |
| Flagstar Bank | 0.03% | 3.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 6.25% | |
| Bremer Bank | -0.01% | 18.75% | |
| Associated Bank | -0.00% | 6.25% | |
| Altra Federal Credit Union | 0.00% | 31.25% | |
| US Bank | 0.00% | 25.00% | |
| Merchants Bank | 0.02% | 12.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 11.11% | |
| Bremer Bank | -0.01% | 33.33% | |
| Altra Federal Credit Union | 0.00% | 11.11% | |
| US Bank | 0.00% | 22.22% | |
| Merchants Bank | 0.02% | 22.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.00% | 14.29% | |
| Altra Federal Credit Union | -0.00% | 57.14% | |
| US Bank | 0.00% | 28.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.07% | 14.14% | |
| Servion | -0.03% | 9.09% | |
| Wells Fargo Bank | -0.03% | 3.03% | |
| Associated Bank | -0.02% | 2.53% | |
| Merchants Bank | -0.01% | 1.01% | |
| Guaranteed Rate | -0.01% | 4.04% | |
| US Bank | -0.00% | 0.51% | |
| Home Federal Savings Bank | -0.00% | 0.51% | |
| USAA | 0.01% | 18.18% | |
| Finance of America Mortgage | 0.01% | 2.53% | |
| Altra Federal Credit Union | 0.01% | 12.12% | |
| Bremer Bank | 0.02% | 4.55% | |
| Quicken Loans | 0.03% | 14.65% | |
| AMEC Home Loans | 0.04% | 13.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.05% | 9.86% | |
| Servion | -0.04% | 8.45% | |
| Wells Fargo Bank | -0.03% | 4.23% | |
| Associated Bank | -0.03% | 2.11% | |
| Merchants Bank | -0.03% | 0.70% | |
| US Bank | -0.01% | 0.70% | |
| Guaranteed Rate | -0.01% | 4.23% | |
| Home Federal Savings Bank | -0.01% | 0.70% | |
| USAA | 0.00% | 21.83% | |
| Altra Federal Credit Union | 0.01% | 15.49% | |
| Finance of America Mortgage | 0.01% | 2.82% | |
| Bremer Bank | 0.01% | 6.34% | |
| Quicken Loans | 0.01% | 9.15% | |
| AMEC Home Loans | 0.06% | 13.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.08% | 25.00% | |
| AMEC Home Loans | -0.01% | 12.50% | |
| Guaranteed Rate | -0.01% | 3.57% | |
| Associated Bank | 0.00% | 3.57% | |
| Servion | 0.00% | 10.71% | |
| Merchants Bank | 0.02% | 1.79% | |
| Altra Federal Credit Union | 0.02% | 3.57% | |
| Finance of America Mortgage | 0.02% | 1.79% | |
| USAA | 0.03% | 8.93% | |
| Quicken Loans | 0.06% | 28.57% |
* Data is compiled for the La Crosse, WI commuting zone area, which comprises of counties of Houston County, MN, La Crosse County, WI, Monroe County, WI, and Vernon County, WI. This includes cities/towns/communities of La Crosse, WI as well as Holmen, WI, Onalaska, WI, La Crescent, MN, Tomah, WI, Bangor, WI, Sparta, WI, West Salem, WI, French Island, WI, Warrens, WI, Cataract, WI, Hokah, MN, Cashton, WI, Brice Prairie, WI, St. Joseph, WI, Stoddard, WI, Coon Valley, WI, Caledonia, MN, Westby, WI, Eitzen, MN, Houston, MN, Kendall, WI, Norwalk, WI, Hillsboro, WI, La Farge, WI, Viroqua, WI, and Readstown, WI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the La Crosse, WI area. For mortgage lender rankings in other cities, click here.