Top Mortgage Lenders in Madison, WI

Which mortgage lender in the Madison, 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 Madison, WI area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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 Madison, WI area in terms of interest rate is University of Wisconsin Credit Union, with an average “Rate Difference” of -0.17%. This means that, comparing similar borrowers, University of Wisconsin Credit Union provided a -0.17% lower interest rate for its customers than other lenders in the area. University of Wisconsin Credit Union has a market share of 16.9%. On the other hand, the most popular lender in the Madison, WI area is Summit Credit Union, with a larger market share of 18.1%. Summit Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.11% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Madison, 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, the cheapest lender for Conventional mortgages in Madison, WI is University of Wisconsin Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeBridge Financial Services. The cheapest VA mortgage provider is Caliber Home Loans. 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 Madison, WI

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.17%(4.5)16.87%
Park Bank-0.13%(4.0)2.61%
Summit Credit Union-0.11%(4.0)18.11%
State Bank of Cross Plains-0.06%(4.0)3.03%
Prosperity Home Mortgage LLC-0.05%(4.0)1.73%
HomeBridge Financial Services-0.05%(3.5)0.35%
Caliber Home Loans-0.03%(3.5)0.76%
Royal Bank-0.03%(3.5)1.16%
Blackhawk Community Credit Union-0.02%(3.5)0.37%
Incredible Bank-0.01%(3.5)0.29%
First Bank Financial Centre-0.00%(3.5)0.56%
Great Midwest Bank-0.00%(3.5)0.59%
Johnson Financial Group0.00%(3.5)2.33%
Bank of America0.02%(3.5)0.24%
Heartland Credit Union WI0.02%(3.5)1.29%
Landmark Credit Union0.02%(3.5)0.41%
Starion Bank0.02%(3.5)0.26%
Associated Bank0.03%(3.5)2.83%
Flagstar Bank0.03%(3.5)0.63%
Old National Bank0.03%(3.5)2.67%
NewRez0.03%(3.5)0.39%
Home Point Financial Corporation0.04%(3.5)0.62%
A+ Mortgage Services0.04%(3.5)0.37%
GSF Mortgage Corporation0.04%(3.5)0.27%
Navy Federal Credit Union0.04%(3.5)0.28%
Barrington Bank & Trust0.05%(3.5)3.28%
Freedom Mortgage Corporation0.06%(3.0)0.27%
USAA0.06%(3.0)0.78%
Thompson Kane Mortgage Loans0.07%(3.0)3.53%
Carrington Mortgage Services0.08%(3.0)0.24%
First Centennial Mortgage0.08%(3.0)0.46%
Fairway Independent Mortgage Corporation0.08%(3.0)11.14%
Cardinal Financial Company0.08%(3.0)0.33%
loanDepot0.09%(3.0)0.75%
Guaranteed Rate0.09%(3.0)0.66%
Cornerstone Home Lending0.10%(3.0)0.71%
AMEC Home Loans0.10%(3.0)0.70%
US Bank0.10%(3.0)2.71%
Gateway First Bank0.11%(3.0)0.26%
Mr. Cooper0.13%(3.0)0.32%
JPMorgan Chase Bank0.13%(3.0)1.47%
PrimeLending0.14%(3.0)0.75%
Inlanta Mortgage0.15%(2.5)1.89%
BMO Harris0.15%(2.5)0.87%
Wells Fargo Bank0.17%(2.5)2.96%
Guild Mortgage Company0.23%(2.5)2.54%
Compeer Financial0.30%(2.0)0.53%
Quicken Loans0.31%(2.0)3.85%
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.15%(4.0)16.53%
Summit Credit Union-0.12%(4.0)13.94%
State Bank of Cross Plains-0.08%(4.0)2.92%
Prosperity Home Mortgage LLC-0.08%(4.0)2.68%
Park Bank-0.05%(4.0)1.68%
Heartland Credit Union WI-0.05%(4.0)1.15%
Blackhawk Community Credit Union-0.05%(3.5)0.30%
Royal Bank-0.04%(3.5)1.01%
Bank of America-0.02%(3.5)0.27%
NewRez-0.01%(3.5)0.19%
US Bank-0.01%(3.5)2.80%
Landmark Credit Union-0.00%(3.5)0.42%
Starion Bank-0.00%(3.5)0.32%
Johnson Financial Group-0.00%(3.5)2.27%
Flagstar Bank-0.00%(3.5)0.76%
Caliber Home Loans-0.00%(3.5)0.50%
Old National Bank0.01%(3.5)2.30%
Associated Bank0.01%(3.5)2.79%
Freedom Mortgage Corporation0.01%(3.5)0.19%
Great Midwest Bank0.01%(3.5)0.49%
First Bank Financial Centre0.02%(3.5)0.46%
Carrington Mortgage Services0.02%(3.5)0.03%
Incredible Bank0.02%(3.5)0.19%
HomeBridge Financial Services0.03%(3.5)0.06%
Mr. Cooper0.03%(3.5)0.12%
Navy Federal Credit Union0.04%(3.5)0.47%
Barrington Bank & Trust0.04%(3.5)4.73%
First Centennial Mortgage0.04%(3.5)0.58%
Home Point Financial Corporation0.05%(3.5)0.55%
A+ Mortgage Services0.05%(3.5)0.42%
GSF Mortgage Corporation0.06%(3.0)0.26%
JPMorgan Chase Bank0.07%(3.0)1.73%
Wells Fargo Bank0.07%(3.0)3.14%
USAA0.07%(3.0)1.19%
Fairway Independent Mortgage Corporation0.08%(3.0)12.96%
loanDepot0.08%(3.0)0.39%
Thompson Kane Mortgage Loans0.08%(3.0)4.70%
Cardinal Financial Company0.08%(3.0)0.42%
Guaranteed Rate0.10%(3.0)1.02%
Cornerstone Home Lending0.10%(3.0)0.86%
Gateway First Bank0.12%(3.0)0.37%
BMO Harris0.12%(3.0)1.08%
AMEC Home Loans0.12%(3.0)0.85%
PrimeLending0.15%(2.5)1.12%
Quicken Loans0.16%(2.5)2.01%
Inlanta Mortgage0.18%(2.5)2.46%
Guild Mortgage Company0.26%(2.0)3.97%
Compeer Financial0.27%(2.0)0.37%
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.19%(4.5)17.25%
Park Bank-0.16%(4.5)3.65%
Summit Credit Union-0.10%(4.0)22.79%
HomeBridge Financial Services-0.05%(3.5)0.68%
Caliber Home Loans-0.04%(3.5)1.05%
State Bank of Cross Plains-0.03%(3.5)3.15%
Incredible Bank-0.02%(3.5)0.40%
Royal Bank-0.01%(3.5)1.34%
First Bank Financial Centre-0.01%(3.5)0.68%
Great Midwest Bank-0.01%(3.5)0.71%
Blackhawk Community Credit Union0.01%(3.5)0.44%
Johnson Financial Group0.01%(3.5)2.40%
USAA0.02%(3.5)0.32%
Thompson Kane Mortgage Loans0.02%(3.5)2.21%
GSF Mortgage Corporation0.03%(3.5)0.29%
Guaranteed Rate0.03%(3.5)0.26%
A+ Mortgage Services0.03%(3.5)0.31%
Navy Federal Credit Union0.03%(3.5)0.06%
Home Point Financial Corporation0.04%(3.5)0.69%
Landmark Credit Union0.04%(3.5)0.40%
Prosperity Home Mortgage LLC0.05%(3.5)0.66%
Associated Bank0.05%(3.5)2.87%
Barrington Bank & Trust0.05%(3.0)1.65%
NewRez0.05%(3.0)0.61%
Old National Bank0.06%(3.0)3.08%
Gateway First Bank0.06%(3.0)0.13%
AMEC Home Loans0.06%(3.0)0.53%
Bank of America0.07%(3.0)0.21%
Fairway Independent Mortgage Corporation0.07%(3.0)9.10%
Cardinal Financial Company0.07%(3.0)0.23%
Starion Bank0.07%(3.0)0.19%
PrimeLending0.08%(3.0)0.32%
Heartland Credit Union WI0.08%(3.0)1.45%
Flagstar Bank0.09%(3.0)0.48%
Cornerstone Home Lending0.09%(3.0)0.55%
Carrington Mortgage Services0.09%(3.0)0.47%
Inlanta Mortgage0.09%(3.0)1.24%
Freedom Mortgage Corporation0.09%(3.0)0.37%
loanDepot0.10%(3.0)1.16%
Guild Mortgage Company0.10%(3.0)0.94%
First Centennial Mortgage0.14%(3.0)0.32%
Mr. Cooper0.16%(2.5)0.55%
BMO Harris0.21%(2.5)0.63%
US Bank0.23%(2.5)2.60%
JPMorgan Chase Bank0.24%(2.5)1.18%
Wells Fargo Bank0.29%(2.0)2.76%
Compeer Financial0.33%(2.0)0.71%
Quicken Loans0.37%(1.5)5.91%
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.17%(4.5)18.85%
Park Bank-0.13%(4.0)2.86%
Summit Credit Union-0.11%(4.0)20.34%
State Bank of Cross Plains-0.06%(4.0)3.19%
Prosperity Home Mortgage LLC-0.05%(3.5)1.57%
Royal Bank-0.02%(3.5)1.31%
Blackhawk Community Credit Union-0.01%(3.5)0.41%
Incredible Bank-0.00%(3.5)0.32%
Great Midwest Bank0.00%(3.5)0.62%
First Bank Financial Centre0.00%(3.5)0.61%
Johnson Financial Group0.01%(3.5)2.57%
Bank of America0.02%(3.5)0.21%
Heartland Credit Union WI0.02%(3.5)1.45%
Landmark Credit Union0.02%(3.5)0.46%
Starion Bank0.03%(3.5)0.29%
Associated Bank0.03%(3.5)2.98%
Old National Bank0.04%(3.5)2.73%
A+ Mortgage Services0.05%(3.5)0.40%
GSF Mortgage Corporation0.05%(3.5)0.27%
HomeBridge Financial Services0.05%(3.5)0.08%
Home Point Financial Corporation0.06%(3.0)0.47%
NewRez0.06%(3.0)0.26%
Cardinal Financial Company0.06%(3.0)0.13%
Caliber Home Loans0.07%(3.0)0.22%
Barrington Bank & Trust0.07%(3.0)2.94%
Thompson Kane Mortgage Loans0.08%(3.0)3.27%
Carrington Mortgage Services0.08%(3.0)0.11%
Fairway Independent Mortgage Corporation0.08%(3.0)10.57%
Guaranteed Rate0.09%(3.0)0.45%
Flagstar Bank0.10%(3.0)0.37%
loanDepot0.11%(3.0)0.59%
Cornerstone Home Lending0.11%(3.0)0.70%
US Bank0.12%(3.0)2.73%
Gateway First Bank0.12%(3.0)0.17%
Freedom Mortgage Corporation0.12%(3.0)0.13%
First Centennial Mortgage0.12%(3.0)0.31%
Navy Federal Credit Union0.14%(3.0)0.15%
AMEC Home Loans0.14%(3.0)0.50%
JPMorgan Chase Bank0.15%(2.5)1.47%
PrimeLending0.15%(2.5)0.76%
USAA0.17%(2.5)0.32%
BMO Harris0.17%(2.5)0.87%
Inlanta Mortgage0.17%(2.5)1.86%
Wells Fargo Bank0.19%(2.5)3.04%
Mr. Cooper0.24%(2.5)0.13%
Guild Mortgage Company0.28%(2.0)2.27%
Compeer Financial0.33%(2.0)0.55%
Quicken Loans0.40%(1.5)3.15%
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.14%(4.0)18.77%
Summit Credit Union-0.12%(4.0)16.00%
State Bank of Cross Plains-0.09%(4.0)3.15%
Prosperity Home Mortgage LLC-0.08%(4.0)2.44%
Park Bank-0.05%(4.0)1.85%
Heartland Credit Union WI-0.05%(3.5)1.32%
Blackhawk Community Credit Union-0.04%(3.5)0.35%
Royal Bank-0.04%(3.5)1.16%
Bank of America-0.02%(3.5)0.25%
NewRez-0.01%(3.5)0.12%
US Bank-0.00%(3.5)2.81%
Landmark Credit Union-0.00%(3.5)0.48%
Starion Bank0.00%(3.5)0.36%
Johnson Financial Group0.00%(3.5)2.61%
Old National Bank0.01%(3.5)2.31%
Associated Bank0.01%(3.5)2.96%
Great Midwest Bank0.02%(3.5)0.50%
First Bank Financial Centre0.02%(3.5)0.50%
Incredible Bank0.03%(3.5)0.21%
Mr. Cooper0.03%(3.5)0.02%
Carrington Mortgage Services0.04%(3.5)0.02%
A+ Mortgage Services0.05%(3.0)0.46%
Cardinal Financial Company0.06%(3.0)0.21%
Home Point Financial Corporation0.06%(3.0)0.45%
GSF Mortgage Corporation0.07%(3.0)0.23%
Flagstar Bank0.07%(3.0)0.36%
Barrington Bank & Trust0.08%(3.0)4.11%
JPMorgan Chase Bank0.08%(3.0)1.75%
First Centennial Mortgage0.08%(3.0)0.35%
Wells Fargo Bank0.08%(3.0)3.14%
Caliber Home Loans0.08%(3.0)0.18%
Freedom Mortgage Corporation0.08%(3.0)0.08%
Fairway Independent Mortgage Corporation0.09%(3.0)12.12%
loanDepot0.09%(3.0)0.28%
Thompson Kane Mortgage Loans0.10%(3.0)4.39%
Guaranteed Rate0.10%(3.0)0.63%
Cornerstone Home Lending0.12%(3.0)0.83%
Gateway First Bank0.13%(3.0)0.26%
BMO Harris0.13%(3.0)1.14%
Navy Federal Credit Union0.14%(3.0)0.26%
AMEC Home Loans0.15%(3.0)0.66%
PrimeLending0.17%(2.5)1.16%
USAA0.18%(2.5)0.51%
Inlanta Mortgage0.20%(2.5)2.48%
Quicken Loans0.22%(2.5)1.70%
Compeer Financial0.30%(2.0)0.38%
Guild Mortgage Company0.30%(2.0)3.70%
Lender NameRate DifferenceRate RatingMarket Share
University of Wisconsin Credit Union-0.19%(4.5)18.93%
Park Bank-0.16%(4.5)3.95%
Summit Credit Union-0.09%(4.0)25.00%
State Bank of Cross Plains-0.03%(3.5)3.23%
Incredible Bank-0.01%(3.5)0.44%
Royal Bank-0.01%(3.5)1.47%
First Bank Financial Centre-0.01%(3.5)0.73%
Great Midwest Bank-0.01%(3.5)0.74%
Blackhawk Community Credit Union0.01%(3.5)0.48%
Johnson Financial Group0.01%(3.5)2.54%
Thompson Kane Mortgage Loans0.03%(3.5)2.07%
Guaranteed Rate0.03%(3.5)0.27%
GSF Mortgage Corporation0.03%(3.5)0.32%
A+ Mortgage Services0.04%(3.5)0.34%
Landmark Credit Union0.05%(3.5)0.44%
Prosperity Home Mortgage LLC0.05%(3.0)0.64%
Navy Federal Credit Union0.05%(3.0)0.02%
Barrington Bank & Trust0.05%(3.0)1.68%
Associated Bank0.06%(3.0)3.01%
HomeBridge Financial Services0.06%(3.0)0.16%
Home Point Financial Corporation0.06%(3.0)0.50%
Caliber Home Loans0.06%(3.0)0.27%
Old National Bank0.06%(3.0)3.17%
Cardinal Financial Company0.07%(3.0)0.04%
Fairway Independent Mortgage Corporation0.07%(3.0)8.90%
Starion Bank0.07%(3.0)0.21%
USAA0.07%(3.0)0.11%
Gateway First Bank0.08%(3.0)0.07%
PrimeLending0.08%(3.0)0.34%
Heartland Credit Union WI0.08%(3.0)1.60%
Bank of America0.09%(3.0)0.16%
NewRez0.09%(3.0)0.41%
Carrington Mortgage Services0.09%(3.0)0.21%
Cornerstone Home Lending0.09%(3.0)0.57%
Inlanta Mortgage0.10%(3.0)1.19%
AMEC Home Loans0.11%(3.0)0.32%
Flagstar Bank0.12%(3.0)0.37%
loanDepot0.12%(3.0)0.92%
Guild Mortgage Company0.12%(3.0)0.73%
Freedom Mortgage Corporation0.14%(3.0)0.18%
First Centennial Mortgage0.18%(2.5)0.27%
BMO Harris0.25%(2.5)0.59%
US Bank0.25%(2.0)2.64%
JPMorgan Chase Bank0.27%(2.0)1.17%
Mr. Cooper0.27%(2.0)0.25%
Wells Fargo Bank0.30%(2.0)2.94%
Compeer Financial0.35%(2.0)0.73%
Quicken Loans0.48%(1.0)4.72%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.11%(4.0)3.72%
Prosperity Home Mortgage LLC-0.11%(4.0)3.87%
Caliber Home Loans-0.09%(4.0)5.95%
Flagstar Bank-0.09%(4.0)2.68%
Barrington Bank & Trust-0.07%(4.0)5.95%
Associated Bank-0.05%(3.5)1.34%
US Bank-0.04%(3.5)1.49%
Freedom Mortgage Corporation-0.02%(3.5)2.23%
NewRez-0.02%(3.5)1.49%
Navy Federal Credit Union-0.01%(3.5)0.15%
Bank of America-0.01%(3.5)0.15%
Old National Bank-0.01%(3.5)1.19%
Home Point Financial Corporation-0.01%(3.5)1.64%
University of Wisconsin Credit Union-0.01%(3.5)0.89%
First Centennial Mortgage-0.01%(3.5)2.98%
A+ Mortgage Services-0.01%(3.5)0.15%
AMEC Home Loans-0.00%(3.5)2.83%
Cornerstone Home Lending-0.00%(3.5)1.19%
First Bank Financial Centre0.00%(3.5)0.45%
Thompson Kane Mortgage Loans0.00%(3.5)6.99%
Quicken Loans0.00%(3.5)11.76%
Wells Fargo Bank0.01%(3.5)0.30%
PrimeLending0.01%(3.5)0.30%
BMO Harris0.03%(3.5)0.15%
GSF Mortgage Corporation0.03%(3.5)0.30%
Inlanta Mortgage0.03%(3.5)2.68%
Mr. Cooper0.04%(3.5)2.83%
loanDepot0.04%(3.5)1.93%
Fairway Independent Mortgage Corporation0.05%(3.5)15.48%
Guild Mortgage Company0.07%(3.0)5.95%
Carrington Mortgage Services0.07%(3.0)1.93%
Cardinal Financial Company0.07%(3.0)3.42%
Guaranteed Rate0.09%(3.0)4.32%
Gateway First Bank0.09%(3.0)1.34%
Lender NameRate DifferenceRate RatingMarket Share
Prosperity Home Mortgage LLC-0.13%(4.0)5.18%
Flagstar Bank-0.10%(4.0)3.83%
Caliber Home Loans-0.10%(4.0)3.15%
Barrington Bank & Trust-0.08%(4.0)8.56%
Freedom Mortgage Corporation-0.06%(4.0)1.58%
Associated Bank-0.06%(4.0)1.80%
US Bank-0.05%(4.0)2.03%
Quicken Loans-0.02%(3.5)5.63%
Navy Federal Credit Union-0.02%(3.5)0.23%
University of Wisconsin Credit Union-0.02%(3.5)1.13%
Bank of America-0.02%(3.5)0.23%
Old National Bank-0.02%(3.5)1.80%
First Centennial Mortgage-0.01%(3.5)4.05%
Home Point Financial Corporation-0.01%(3.5)1.35%
Carrington Mortgage Services-0.01%(3.5)0.23%
A+ Mortgage Services-0.01%(3.5)0.23%
Cornerstone Home Lending-0.01%(3.5)1.58%
NewRez-0.01%(3.5)0.23%
Thompson Kane Mortgage Loans-0.01%(3.5)8.78%
First Bank Financial Centre-0.00%(3.5)0.45%
Wells Fargo Bank0.00%(3.5)0.45%
Mr. Cooper0.01%(3.5)1.13%
PrimeLending0.01%(3.5)0.45%
HomeBridge Financial Services0.01%(3.5)0.68%
BMO Harris0.02%(3.5)0.23%
AMEC Home Loans0.03%(3.5)2.03%
GSF Mortgage Corporation0.03%(3.5)0.45%
Inlanta Mortgage0.04%(3.5)2.93%
Fairway Independent Mortgage Corporation0.04%(3.5)19.37%
loanDepot0.06%(3.0)1.35%
Guild Mortgage Company0.07%(3.0)7.88%
Guaranteed Rate0.08%(3.0)6.53%
Cardinal Financial Company0.09%(3.0)2.93%
Gateway First Bank0.09%(3.0)1.58%
Lender NameRate DifferenceRate RatingMarket Share
HomeBridge Financial Services-0.12%(4.0)9.65%
Caliber Home Loans-0.08%(4.0)11.40%
AMEC Home Loans-0.02%(3.5)4.39%
NewRez-0.02%(3.5)3.95%
Home Point Financial Corporation-0.01%(3.5)2.19%
Guild Mortgage Company-0.00%(3.5)2.19%
First Bank Financial Centre0.00%(3.5)0.44%
Associated Bank0.00%(3.5)0.44%
First Centennial Mortgage0.01%(3.5)0.88%
Freedom Mortgage Corporation0.01%(3.5)3.51%
Inlanta Mortgage0.01%(3.5)2.19%
Quicken Loans0.02%(3.5)23.68%
Cornerstone Home Lending0.02%(3.5)0.44%
loanDepot0.02%(3.5)3.07%
Flagstar Bank0.02%(3.5)0.44%
University of Wisconsin Credit Union0.02%(3.5)0.44%
US Bank0.02%(3.5)0.44%
Thompson Kane Mortgage Loans0.02%(3.5)3.51%
Prosperity Home Mortgage LLC0.03%(3.5)1.32%
Barrington Bank & Trust0.03%(3.5)0.88%
Mr. Cooper0.05%(3.0)6.14%
Cardinal Financial Company0.05%(3.0)4.39%
Gateway First Bank0.06%(3.0)0.88%
Fairway Independent Mortgage Corporation0.06%(3.0)7.89%
Carrington Mortgage Services0.09%(3.0)5.26%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.04%(3.5)9.14%
Old National Bank-0.03%(3.5)7.53%
Wells Fargo Bank-0.02%(3.5)8.60%
Prosperity Home Mortgage LLC-0.02%(3.5)2.15%
JPMorgan Chase Bank-0.01%(3.5)10.22%
Bank of America-0.01%(3.5)3.76%
Great Midwest Bank-0.00%(3.5)3.23%
Inlanta Mortgage-0.00%(3.5)2.15%
Quicken Loans0.00%(3.5)1.61%
Fairway Independent Mortgage Corporation0.00%(3.5)7.53%
Guaranteed Rate0.01%(3.5)1.08%
Park Bank0.01%(3.5)4.30%
loanDepot0.01%(3.5)0.54%
Cornerstone Home Lending0.01%(3.5)0.54%
Summit Credit Union0.01%(3.5)1.08%
Flagstar Bank0.01%(3.5)0.54%
BMO Harris0.02%(3.5)5.91%
Thompson Kane Mortgage Loans0.02%(3.5)2.15%
State Bank of Cross Plains0.02%(3.5)13.44%
Johnson Financial Group0.02%(3.5)3.23%
Barrington Bank & Trust0.02%(3.5)2.15%
Guild Mortgage Company0.03%(3.5)4.84%
Caliber Home Loans0.05%(3.5)1.08%
Compeer Financial0.06%(3.0)3.23%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.06%(4.0)8.00%
Wells Fargo Bank-0.02%(3.5)14.00%
Prosperity Home Mortgage LLC-0.02%(3.5)4.00%
JPMorgan Chase Bank-0.01%(3.5)12.00%
Old National Bank-0.01%(3.5)4.00%
Bank of America-0.01%(3.5)3.00%
Inlanta Mortgage-0.00%(3.5)3.00%
Fairway Independent Mortgage Corporation-0.00%(3.5)7.00%
Great Midwest Bank0.00%(3.5)4.00%
Quicken Loans0.00%(3.5)2.00%
Park Bank0.01%(3.5)5.00%
loanDepot0.01%(3.5)1.00%
Cornerstone Home Lending0.01%(3.5)1.00%
Guaranteed Rate0.01%(3.5)1.00%
Thompson Kane Mortgage Loans0.02%(3.5)3.00%
BMO Harris0.02%(3.5)5.00%
Barrington Bank & Trust0.03%(3.5)3.00%
State Bank of Cross Plains0.03%(3.5)12.00%
Guild Mortgage Company0.04%(3.5)3.00%
Caliber Home Loans0.05%(3.5)2.00%
Compeer Financial0.06%(3.0)3.00%
Lender NameRate DifferenceRate RatingMarket Share
Old National Bank-0.04%(3.5)11.63%
US Bank-0.02%(3.5)10.47%
Bank of America-0.01%(3.5)4.65%
JPMorgan Chase Bank-0.01%(3.5)8.14%
Great Midwest Bank-0.01%(3.5)2.33%
Guaranteed Rate0.00%(3.5)1.16%
Quicken Loans0.00%(3.5)1.16%
Park Bank0.01%(3.5)3.49%
BMO Harris0.01%(3.5)6.98%
Summit Credit Union0.01%(3.5)2.33%
Barrington Bank & Trust0.01%(3.5)1.16%
Inlanta Mortgage0.01%(3.5)1.16%
Flagstar Bank0.01%(3.5)1.16%
State Bank of Cross Plains0.01%(3.5)15.12%
Thompson Kane Mortgage Loans0.01%(3.5)1.16%
Fairway Independent Mortgage Corporation0.01%(3.5)8.14%
Wells Fargo Bank0.01%(3.5)2.33%
Johnson Financial Group0.02%(3.5)6.98%
Guild Mortgage Company0.02%(3.5)6.98%
Compeer Financial0.06%(3.0)3.49%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.10%(4.0)5.39%
Barrington Bank & Trust-0.08%(4.0)7.24%
Navy Federal Credit Union-0.07%(4.0)3.20%
HomeBridge Financial Services-0.07%(4.0)2.02%
Prosperity Home Mortgage LLC-0.05%(4.0)2.19%
University of Wisconsin Credit Union-0.05%(3.5)1.18%
Flagstar Bank-0.04%(3.5)3.54%
NewRez-0.04%(3.5)1.85%
Associated Bank-0.04%(3.5)2.36%
USAA-0.03%(3.5)11.11%
Home Point Financial Corporation-0.02%(3.5)2.53%
First Centennial Mortgage-0.02%(3.5)0.67%
Old National Bank-0.01%(3.5)1.68%
Wells Fargo Bank-0.01%(3.5)2.53%
Thompson Kane Mortgage Loans-0.01%(3.5)5.05%
Carrington Mortgage Services-0.01%(3.5)0.84%
US Bank-0.01%(3.5)1.68%
Inlanta Mortgage-0.00%(3.5)1.52%
JPMorgan Chase Bank0.00%(3.5)0.34%
loanDepot0.00%(3.5)2.69%
GSF Mortgage Corporation0.00%(3.5)0.34%
Cornerstone Home Lending0.01%(3.5)0.51%
Guaranteed Rate0.02%(3.5)0.51%
PrimeLending0.02%(3.5)1.18%
AMEC Home Loans0.02%(3.5)2.53%
Cardinal Financial Company0.03%(3.5)0.84%
Freedom Mortgage Corporation0.03%(3.5)1.01%
Gateway First Bank0.03%(3.5)0.84%
Fairway Independent Mortgage Corporation0.05%(3.0)18.69%
Guild Mortgage Company0.06%(3.0)3.37%
Mr. Cooper0.06%(3.0)1.35%
Quicken Loans0.10%(3.0)9.26%
Lender NameRate DifferenceRate RatingMarket Share
Barrington Bank & Trust-0.08%(4.0)11.05%
Navy Federal Credit Union-0.08%(4.0)4.53%
Prosperity Home Mortgage LLC-0.06%(4.0)3.12%
Flagstar Bank-0.05%(4.0)3.97%
University of Wisconsin Credit Union-0.05%(3.5)1.98%
Quicken Loans-0.05%(3.5)2.83%
NewRez-0.04%(3.5)1.42%
Caliber Home Loans-0.02%(3.5)2.27%
USAA-0.02%(3.5)14.73%
Old National Bank-0.02%(3.5)2.27%
Wells Fargo Bank-0.02%(3.5)3.40%
Associated Bank-0.02%(3.5)1.98%
Freedom Mortgage Corporation-0.01%(3.5)0.28%
First Centennial Mortgage-0.01%(3.5)0.28%
US Bank-0.01%(3.5)2.27%
JPMorgan Chase Bank0.00%(3.5)0.57%
GSF Mortgage Corporation0.00%(3.5)0.57%
Inlanta Mortgage0.01%(3.5)1.42%
HomeBridge Financial Services0.01%(3.5)0.28%
Home Point Financial Corporation0.01%(3.5)1.42%
Guaranteed Rate0.02%(3.5)0.85%
Cornerstone Home Lending0.02%(3.5)0.57%
PrimeLending0.02%(3.5)1.70%
Mr. Cooper0.03%(3.5)0.57%
Thompson Kane Mortgage Loans0.04%(3.5)5.38%
AMEC Home Loans0.05%(3.0)2.83%
loanDepot0.05%(3.0)0.85%
Cardinal Financial Company0.06%(3.0)0.85%
Gateway First Bank0.07%(3.0)0.85%
Fairway Independent Mortgage Corporation0.07%(3.0)20.96%
Guild Mortgage Company0.08%(3.0)3.97%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.13%(4.0)9.96%
Thompson Kane Mortgage Loans-0.08%(4.0)4.56%
HomeBridge Financial Services-0.08%(4.0)4.56%
Associated Bank-0.06%(4.0)2.90%
USAA-0.05%(4.0)5.81%
AMEC Home Loans-0.04%(3.5)2.07%
NewRez-0.04%(3.5)2.49%
Home Point Financial Corporation-0.03%(3.5)4.15%
Flagstar Bank-0.03%(3.5)2.90%
Gateway First Bank-0.02%(3.5)0.83%
First Centennial Mortgage-0.02%(3.5)1.24%
Cardinal Financial Company-0.02%(3.5)0.83%
Prosperity Home Mortgage LLC-0.02%(3.5)0.83%
Navy Federal Credit Union-0.02%(3.5)1.24%
Inlanta Mortgage-0.01%(3.5)1.66%
loanDepot-0.01%(3.5)5.39%
Carrington Mortgage Services-0.01%(3.5)2.07%
Barrington Bank & Trust-0.01%(3.5)1.66%
PrimeLending-0.01%(3.5)0.41%
Cornerstone Home Lending-0.01%(3.5)0.41%
US Bank-0.00%(3.5)0.83%
Old National Bank0.01%(3.5)0.83%
Guild Mortgage Company0.02%(3.5)2.49%
Fairway Independent Mortgage Corporation0.02%(3.5)15.35%
Wells Fargo Bank0.04%(3.5)1.24%
Freedom Mortgage Corporation0.04%(3.5)2.07%
Mr. Cooper0.07%(3.0)2.49%
Quicken Loans0.13%(3.0)18.67%

* Data is compiled for the Madison, WI commuting zone area, which comprises of counties of Adams County, WI, Columbia County, WI, Dane County, WI, Iowa County, WI, Juneau County, WI, Marquette County, WI, and Sauk County, WI. This includes cities/towns/communities of Madison, WI as well as Sun Prairie, WI, Middleton, WI, Waunakee, WI, Fitchburg, WI, Verona, WI, Stoughton, WI, Cottage Grove, WI, Windsor, WI, Oregon, WI, DeForest, WI, Portage, WI, Baraboo, WI, McFarland, WI, Monona, WI, Mount Horeb, WI, Deerfield, WI, Reedsburg, WI, Prairie du Sac, WI, Pardeeville, WI, Lake Wisconsin, WI, Lodi, WI, Marshall, WI, Columbus, WI, Necedah, WI, Poynette, WI, Brooklyn, WI, Lake Arrowhead, WI, Lake Delton, WI, Blue Mounds, WI, Mazomanie, WI, Cross Plains, WI, Belleville, WI, Rio, WI, North Freedom, WI, Wisconsin Dells, WI, Bluffview, WI, Delwood, WI, Dodgeville, WI, Edgerton, WI, La Valle, WI, Montello, WI, Arena, WI, Wisconsin Dells, WI, Adams, WI, Barneveld, WI, Sauk City, WI, Cambria, WI, Fall River, WI, Neshkoro, WI, and Westfield, 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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