Which mortgage lender in the Appleton, 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 Appleton, 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 Appleton, WI area in terms of interest rate is Fox Valley Savings Bank, with an average “Rate Difference” of -0.29%. This means that, comparing similar borrowers, Fox Valley Savings Bank provided a -0.29% lower interest rate for its customers than other lenders in the area. Fox Valley Savings Bank has a market share of 3.5%. On the other hand, the most popular lender in the Appleton, WI area is Community First Credit Union Wisconsin, with a larger market share of 9.3%. Community First Credit Union Wisconsin is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.07% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Appleton, 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 Appleton, WI is Fox Valley Savings 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 US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Associated Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. 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 Appleton, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.18% | 2.25% | |
| First Centennial Mortgage | -0.10% | 4.59% | |
| US Bank | -0.10% | 1.46% | |
| Caliber Home Loans | -0.09% | 4.88% | |
| Old National Bank | -0.06% | 0.29% | |
| Quicken Loans | -0.06% | 14.75% | |
| Carrington Mortgage Services | -0.06% | 2.93% | |
| Flagstar Bank | -0.05% | 0.88% | |
| Cherry Creek Mortgage | -0.05% | 4.59% | |
| First Bank Financial Centre | -0.05% | 0.29% | |
| Inlanta Mortgage | -0.02% | 4.10% | |
| Towne Mortgage Company | -0.01% | 4.79% | |
| Wells Fargo Bank | 0.01% | 0.10% | |
| Primary Residential Mortgage Inc | 0.01% | 2.05% | |
| PennyMac Loan Services | 0.01% | 1.37% | |
| Guaranteed Rate | 0.01% | 1.76% | |
| Cardinal Financial Company | 0.02% | 1.46% | |
| Finance of America Mortgage | 0.02% | 8.98% | |
| BMO Harris | 0.02% | 0.10% | |
| Freedom Mortgage Corporation | 0.03% | 4.49% | |
| AMEC Home Loans | 0.04% | 4.69% | |
| Mr. Cooper | 0.04% | 1.17% | |
| GSF Mortgage Corporation | 0.04% | 11.72% | |
| Amerifirst Home Mortgage | 0.05% | 2.15% | |
| Fairway Independent Mortgage Corporation | 0.07% | 2.34% | |
| loanDepot | 0.07% | 1.95% | |
| Waterstone Mortgage Corporation | 0.14% | 9.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.23% | 2.47% | |
| First Centennial Mortgage | -0.14% | 5.34% | |
| US Bank | -0.13% | 1.64% | |
| Caliber Home Loans | -0.12% | 4.66% | |
| Quicken Loans | -0.11% | 7.12% | |
| Old National Bank | -0.07% | 0.41% | |
| Flagstar Bank | -0.06% | 1.23% | |
| Cherry Creek Mortgage | -0.06% | 5.07% | |
| First Bank Financial Centre | -0.05% | 0.41% | |
| PennyMac Loan Services | -0.03% | 0.55% | |
| Inlanta Mortgage | -0.03% | 5.07% | |
| Mr. Cooper | -0.02% | 0.27% | |
| Towne Mortgage Company | -0.01% | 5.21% | |
| Wells Fargo Bank | 0.00% | 0.14% | |
| Primary Residential Mortgage Inc | 0.00% | 2.60% | |
| Guaranteed Rate | 0.01% | 2.47% | |
| Cardinal Financial Company | 0.01% | 1.51% | |
| Finance of America Mortgage | 0.01% | 11.78% | |
| Freedom Mortgage Corporation | 0.02% | 5.07% | |
| loanDepot | 0.02% | 0.27% | |
| Carrington Mortgage Services | 0.03% | 0.55% | |
| AMEC Home Loans | 0.03% | 5.34% | |
| Fairway Independent Mortgage Corporation | 0.07% | 3.01% | |
| GSF Mortgage Corporation | 0.07% | 13.70% | |
| Amerifirst Home Mortgage | 0.07% | 2.19% | |
| Waterstone Mortgage Corporation | 0.15% | 11.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| GSF Mortgage Corporation | -0.09% | 6.80% | |
| Carrington Mortgage Services | -0.05% | 8.84% | |
| Cherry Creek Mortgage | -0.03% | 3.40% | |
| Caliber Home Loans | -0.02% | 5.44% | |
| Quicken Loans | -0.01% | 33.67% | |
| Associated Bank | -0.01% | 1.70% | |
| Amerifirst Home Mortgage | -0.00% | 2.04% | |
| US Bank | 0.00% | 1.02% | |
| Towne Mortgage Company | 0.01% | 3.74% | |
| Inlanta Mortgage | 0.01% | 1.70% | |
| Fairway Independent Mortgage Corporation | 0.02% | 0.68% | |
| Primary Residential Mortgage Inc | 0.02% | 0.68% | |
| Finance of America Mortgage | 0.02% | 2.04% | |
| AMEC Home Loans | 0.03% | 3.06% | |
| Cardinal Financial Company | 0.04% | 1.36% | |
| BMO Harris | 0.04% | 0.34% | |
| PennyMac Loan Services | 0.04% | 3.40% | |
| First Centennial Mortgage | 0.05% | 2.72% | |
| Freedom Mortgage Corporation | 0.06% | 3.06% | |
| Waterstone Mortgage Corporation | 0.06% | 4.76% | |
| Mr. Cooper | 0.06% | 3.40% | |
| loanDepot | 0.09% | 6.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 25.93% | |
| Wells Fargo Bank | -0.01% | 9.26% | |
| Associated Bank | -0.01% | 9.26% | |
| Flagstar Bank | -0.00% | 1.85% | |
| Bank First | 0.00% | 14.81% | |
| Old National Bank | 0.00% | 9.26% | |
| Johnson Financial Group | 0.01% | 1.85% | |
| JPMorgan Chase Bank | 0.01% | 7.41% | |
| BMO Harris | 0.01% | 5.56% | |
| Nicolet National Bank | 0.02% | 5.56% | |
| Compeer Financial | 0.03% | 5.56% | |
| Inlanta Mortgage | 0.03% | 3.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.03% | 12.50% | |
| Associated Bank | -0.01% | 16.67% | |
| Flagstar Bank | -0.01% | 4.17% | |
| JPMorgan Chase Bank | -0.00% | 4.17% | |
| US Bank | -0.00% | 8.33% | |
| Old National Bank | 0.00% | 16.67% | |
| Bank First | 0.01% | 12.50% | |
| BMO Harris | 0.01% | 8.33% | |
| Nicolet National Bank | 0.02% | 8.33% | |
| Inlanta Mortgage | 0.03% | 8.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 40.00% | |
| Bank First | -0.00% | 16.67% | |
| Associated Bank | -0.00% | 3.33% | |
| Old National Bank | -0.00% | 3.33% | |
| Johnson Financial Group | 0.01% | 3.33% | |
| JPMorgan Chase Bank | 0.01% | 10.00% | |
| Nicolet National Bank | 0.02% | 3.33% | |
| Wells Fargo Bank | 0.02% | 6.67% | |
| BMO Harris | 0.02% | 3.33% | |
| Compeer Financial | 0.03% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.22% | 5.42% | |
| Associated Bank | -0.08% | 7.52% | |
| USAA | -0.07% | 9.79% | |
| loanDepot | -0.06% | 3.15% | |
| Wells Fargo Bank | -0.05% | 2.80% | |
| US Bank | -0.03% | 2.97% | |
| Flagstar Bank | -0.03% | 4.37% | |
| JPMorgan Chase Bank | -0.01% | 0.87% | |
| Cardinal Financial Company | -0.01% | 0.87% | |
| Cherry Creek Mortgage | -0.01% | 2.10% | |
| Crescent Mortgage Company | -0.01% | 0.35% | |
| Guaranteed Rate | -0.00% | 2.27% | |
| PennyMac Loan Services | -0.00% | 2.27% | |
| Caliber Home Loans | 0.01% | 4.55% | |
| Primary Residential Mortgage Inc | 0.02% | 0.17% | |
| Amerifirst Home Mortgage | 0.02% | 0.35% | |
| AMEC Home Loans | 0.02% | 1.75% | |
| Mr. Cooper | 0.02% | 0.52% | |
| First Centennial Mortgage | 0.03% | 4.72% | |
| Inlanta Mortgage | 0.04% | 4.55% | |
| Fairway Independent Mortgage Corporation | 0.04% | 2.97% | |
| Finance of America Mortgage | 0.05% | 6.47% | |
| Towne Mortgage Company | 0.05% | 1.57% | |
| Carrington Mortgage Services | 0.06% | 1.75% | |
| Quicken Loans | 0.07% | 8.22% | |
| GSF Mortgage Corporation | 0.07% | 6.82% | |
| Waterstone Mortgage Corporation | 0.08% | 8.39% | |
| Freedom Mortgage Corporation | 0.09% | 2.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.23% | 7.90% | |
| Associated Bank | -0.08% | 5.72% | |
| USAA | -0.08% | 13.35% | |
| Wells Fargo Bank | -0.05% | 4.09% | |
| US Bank | -0.04% | 4.09% | |
| JPMorgan Chase Bank | -0.01% | 1.36% | |
| Cherry Creek Mortgage | -0.01% | 3.00% | |
| Crescent Mortgage Company | -0.01% | 0.27% | |
| Cardinal Financial Company | -0.00% | 0.82% | |
| Freedom Mortgage Corporation | -0.00% | 0.54% | |
| Guaranteed Rate | 0.00% | 1.91% | |
| Primary Residential Mortgage Inc | 0.02% | 0.27% | |
| Flagstar Bank | 0.02% | 2.72% | |
| Amerifirst Home Mortgage | 0.02% | 0.27% | |
| Quicken Loans | 0.03% | 3.81% | |
| PennyMac Loan Services | 0.03% | 0.27% | |
| AMEC Home Loans | 0.03% | 1.91% | |
| Mr. Cooper | 0.04% | 0.27% | |
| First Centennial Mortgage | 0.05% | 5.18% | |
| Fairway Independent Mortgage Corporation | 0.05% | 3.81% | |
| Towne Mortgage Company | 0.05% | 2.18% | |
| Finance of America Mortgage | 0.06% | 8.72% | |
| Inlanta Mortgage | 0.07% | 3.81% | |
| Caliber Home Loans | 0.07% | 2.72% | |
| GSF Mortgage Corporation | 0.08% | 9.54% | |
| Waterstone Mortgage Corporation | 0.10% | 11.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.08% | 10.73% | |
| Flagstar Bank | -0.07% | 7.32% | |
| loanDepot | -0.06% | 8.78% | |
| Caliber Home Loans | -0.03% | 7.80% | |
| Navy Federal Credit Union | -0.02% | 0.98% | |
| Cardinal Financial Company | -0.02% | 0.98% | |
| First Centennial Mortgage | -0.02% | 3.90% | |
| USAA | -0.01% | 3.41% | |
| Guaranteed Rate | -0.01% | 2.93% | |
| Fairway Independent Mortgage Corporation | -0.01% | 1.46% | |
| AMEC Home Loans | -0.01% | 1.46% | |
| Waterstone Mortgage Corporation | -0.01% | 2.93% | |
| GSF Mortgage Corporation | -0.01% | 1.95% | |
| Crescent Mortgage Company | -0.01% | 0.49% | |
| Cherry Creek Mortgage | -0.00% | 0.49% | |
| PennyMac Loan Services | -0.00% | 5.85% | |
| Finance of America Mortgage | -0.00% | 2.44% | |
| Inlanta Mortgage | -0.00% | 5.85% | |
| Amerifirst Home Mortgage | 0.01% | 0.49% | |
| Wells Fargo Bank | 0.01% | 0.49% | |
| Mr. Cooper | 0.02% | 0.98% | |
| US Bank | 0.02% | 0.98% | |
| Towne Mortgage Company | 0.04% | 0.49% | |
| Carrington Mortgage Services | 0.06% | 4.88% | |
| Quicken Loans | 0.09% | 16.10% | |
| Freedom Mortgage Corporation | 0.10% | 5.85% |
* Data is compiled for the Appleton, WI commuting zone area, which comprises of counties of Calumet County, WI, Fond du Lac County, WI, Green Lake County, WI, Outagamie County, WI, Waupaca County, WI, Waushara County, WI, and Winnebago County, WI. This includes cities/towns/communities of Appleton, WI as well as Oshkosh, WI, Fond du Lac, WI, Neenah, WI, Kaukauna, WI, Menasha, WI, Kimberly, WI, Sherwood, WI, Little Chute, WI, Black Creek, WI, Combined Locks, WI, Menasha, WI, Poy Sippi, WI, King, WI, Oakfield, WI, Campbellsport, WI, Hortonville, WI, Omro, WI, Ripon, WI, Butte des Morts, WI, Dale, WI, North Fond du Lac, WI, Waupun, WI, Winneconne, WI, Fremont, WI, Rosendale, WI, Iola, WI, Waupaca, WI, New London, WI, Seymour, WI, Mount Calvary, WI, Brillion, WI, Manawa, WI, Clintonville, WI, Northport, WI, Waukau, WI, Coloma, WI, Bear Creek, WI, Brandon, WI, New Holstein, WI, Chilton, WI, Berlin, WI, Markesan, WI, Kingston, WI, Green Lake, WI, Stockbridge, WI, Weyauwega, WI, Winchester, WI, Marion, WI, Hilbert, WI, and Big Falls, 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
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