Top Mortgage Lenders in La Crosse, WI

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, 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

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.07%(4.0)7.69%
Altra Federal Credit Union-0.05%(4.0)44.27%
Royal Bank-0.04%(3.5)1.69%
Flagstar Bank-0.03%(3.5)1.62%
Associated Bank-0.01%(3.5)4.60%
Verve a Credit Union0.00%(3.5)1.65%
Home Federal Savings Bank0.01%(3.5)1.29%
US Bank0.05%(3.5)2.37%
Bremer Bank0.05%(3.5)2.41%
Wells Fargo Bank0.06%(3.0)2.62%
AMEC Home Loans0.07%(3.0)4.38%
Guaranteed Rate0.09%(3.0)1.58%
Citizens State Bank of La Crosse0.10%(3.0)3.09%
Finance of America Mortgage0.14%(3.0)3.56%
Quicken Loans0.17%(2.5)4.89%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.05%(4.0)7.08%
Associated Bank-0.05%(3.5)4.83%
Altra Federal Credit Union-0.05%(3.5)38.33%
Royal Bank-0.04%(3.5)1.70%
Home Federal Savings Bank-0.03%(3.5)1.70%
Flagstar Bank-0.03%(3.5)1.97%
Verve a Credit Union-0.00%(3.5)1.02%
US Bank0.01%(3.5)3.13%
Wells Fargo Bank0.02%(3.5)3.88%
Bremer Bank0.04%(3.5)3.47%
AMEC Home Loans0.06%(3.0)6.40%
Quicken Loans0.06%(3.0)3.13%
Guaranteed Rate0.09%(3.0)2.52%
Citizens State Bank of La Crosse0.12%(3.0)2.93%
Finance of America Mortgage0.13%(3.0)6.06%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.08%(4.0)8.37%
Altra Federal Credit Union-0.06%(4.0)50.91%
Royal Bank-0.04%(3.5)1.67%
Flagstar Bank-0.03%(3.5)1.22%
Verve a Credit Union0.01%(3.5)2.36%
Associated Bank0.03%(3.5)4.34%
Guaranteed Rate0.05%(3.0)0.53%
Bremer Bank0.06%(3.0)1.22%
Home Federal Savings Bank0.07%(3.0)0.84%
Citizens State Bank of La Crosse0.07%(3.0)3.27%
AMEC Home Loans0.08%(3.0)2.13%
Finance of America Mortgage0.09%(3.0)0.76%
US Bank0.11%(3.0)1.52%
Wells Fargo Bank0.16%(2.5)1.22%
Quicken Loans0.24%(2.5)6.85%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.06%(4.0)8.73%
Altra Federal Credit Union-0.05%(4.0)49.44%
Royal Bank-0.03%(3.5)1.96%
Associated Bank-0.01%(3.5)5.09%
Verve a Credit Union0.01%(3.5)1.92%
Home Federal Savings Bank0.01%(3.5)1.42%
US Bank0.05%(3.0)2.51%
Bremer Bank0.06%(3.0)2.13%
Flagstar Bank0.06%(3.0)0.21%
Wells Fargo Bank0.07%(3.0)2.71%
Citizens State Bank of La Crosse0.10%(3.0)3.59%
AMEC Home Loans0.12%(3.0)2.09%
Guaranteed Rate0.13%(3.0)1.00%
Finance of America Mortgage0.13%(3.0)2.21%
Quicken Loans0.29%(2.0)3.17%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.05%(3.5)8.53%
Associated Bank-0.04%(3.5)5.80%
Altra Federal Credit Union-0.04%(3.5)44.50%
Royal Bank-0.03%(3.5)2.13%
Home Federal Savings Bank-0.03%(3.5)1.96%
Verve a Credit Union0.00%(3.5)1.28%
US Bank0.02%(3.5)3.58%
Wells Fargo Bank0.03%(3.5)4.18%
Bremer Bank0.05%(3.5)2.98%
Flagstar Bank0.05%(3.0)0.34%
AMEC Home Loans0.11%(3.0)3.07%
Finance of America Mortgage0.13%(3.0)3.84%
Guaranteed Rate0.13%(3.0)1.71%
Citizens State Bank of La Crosse0.13%(3.0)3.67%
Quicken Loans0.13%(3.0)1.71%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.08%(4.0)8.92%
Altra Federal Credit Union-0.06%(4.0)54.17%
Royal Bank-0.03%(3.5)1.80%
Verve a Credit Union0.01%(3.5)2.54%
Associated Bank0.03%(3.5)4.42%
Flagstar Bank0.06%(3.0)0.08%
Bremer Bank0.07%(3.0)1.31%
Home Federal Savings Bank0.07%(3.0)0.90%
Citizens State Bank of La Crosse0.07%(3.0)3.52%
Guaranteed Rate0.07%(3.0)0.33%
Finance of America Mortgage0.10%(3.0)0.65%
US Bank0.12%(3.0)1.47%
AMEC Home Loans0.13%(3.0)1.15%
Wells Fargo Bank0.16%(2.5)1.31%
Quicken Loans0.35%(1.5)4.58%
Lender NameRate DifferenceRate RatingMarket Share
Altra Federal Credit Union-0.11%(4.0)10.92%
Flagstar Bank-0.09%(4.0)6.90%
Quicken Loans-0.04%(3.5)17.82%
Wells Fargo Bank-0.03%(3.5)0.57%
Bremer Bank-0.03%(3.5)2.30%
AMEC Home Loans-0.02%(3.5)26.44%
Merchants Bank-0.02%(3.5)0.57%
Home Federal Savings Bank-0.01%(3.5)0.57%
US Bank-0.01%(3.5)0.57%
Guaranteed Rate0.04%(3.5)6.90%
Finance of America Mortgage0.13%(3.0)23.56%
Lender NameRate DifferenceRate RatingMarket Share
Altra Federal Credit Union-0.12%(4.0)12.41%
Flagstar Bank-0.10%(4.0)7.59%
Quicken Loans-0.04%(3.5)8.97%
Wells Fargo Bank-0.04%(3.5)0.69%
AMEC Home Loans-0.03%(3.5)26.90%
Bremer Bank-0.03%(3.5)2.76%
Merchants Bank-0.02%(3.5)0.69%
Home Federal Savings Bank-0.02%(3.5)0.69%
US Bank-0.01%(3.5)0.69%
Guaranteed Rate0.04%(3.5)7.59%
Finance of America Mortgage0.13%(3.0)27.59%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)62.07%
Guaranteed Rate-0.00%(3.5)3.45%
Altra Federal Credit Union0.00%(3.5)3.45%
Finance of America Mortgage0.03%(3.5)3.45%
AMEC Home Loans0.03%(3.5)24.14%
Flagstar Bank0.03%(3.5)3.45%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)6.25%
Bremer Bank-0.01%(3.5)18.75%
Associated Bank-0.00%(3.5)6.25%
Altra Federal Credit Union0.00%(3.5)31.25%
US Bank0.00%(3.5)25.00%
Merchants Bank0.02%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)11.11%
Bremer Bank-0.01%(3.5)33.33%
Altra Federal Credit Union0.00%(3.5)11.11%
US Bank0.00%(3.5)22.22%
Merchants Bank0.02%(3.5)22.22%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.00%(3.5)14.29%
Altra Federal Credit Union-0.00%(3.5)57.14%
US Bank0.00%(3.5)28.57%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.07%(4.0)14.14%
Wells Fargo Bank-0.03%(3.5)3.03%
Associated Bank-0.02%(3.5)2.53%
Merchants Bank-0.01%(3.5)1.01%
Guaranteed Rate-0.01%(3.5)4.04%
US Bank-0.00%(3.5)0.51%
Home Federal Savings Bank-0.00%(3.5)0.51%
Finance of America Mortgage0.01%(3.5)2.53%
Altra Federal Credit Union0.01%(3.5)12.12%
Bremer Bank0.02%(3.5)4.55%
Quicken Loans0.03%(3.5)14.65%
AMEC Home Loans0.04%(3.5)13.13%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.05%(3.5)9.86%
Wells Fargo Bank-0.03%(3.5)4.23%
Associated Bank-0.03%(3.5)2.11%
Merchants Bank-0.03%(3.5)0.70%
US Bank-0.01%(3.5)0.70%
Guaranteed Rate-0.01%(3.5)4.23%
Home Federal Savings Bank-0.01%(3.5)0.70%
Altra Federal Credit Union0.01%(3.5)15.49%
Finance of America Mortgage0.01%(3.5)2.82%
Bremer Bank0.01%(3.5)6.34%
Quicken Loans0.01%(3.5)9.15%
AMEC Home Loans0.06%(3.0)13.38%
Lender NameRate DifferenceRate RatingMarket Share
Flagstar Bank-0.08%(4.0)25.00%
AMEC Home Loans-0.01%(3.5)12.50%
Guaranteed Rate-0.01%(3.5)3.57%
Associated Bank0.00%(3.5)3.57%
Merchants Bank0.02%(3.5)1.79%
Altra Federal Credit Union0.02%(3.5)3.57%
Finance of America Mortgage0.02%(3.5)1.79%
Quicken Loans0.06%(3.0)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.

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