Which mortgage lender in the Rhinelander, 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 Rhinelander, 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 Rhinelander, WI area in terms of interest rate is Incredible Bank, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Incredible Bank provided a -0.11% lower interest rate for its customers than other lenders in the area. Incredible Bank has a market share of 10.6%. On the other hand, the most popular lender in the Rhinelander, WI area is Nicolet National Bank, with a larger market share of 17.6%. Nicolet National Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.02% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Rhinelander, 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 Rhinelander, WI is Incredible 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 US Bank. The cheapest VA mortgage provider is Associated 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 Rhinelander, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Incredible Bank | -0.11% | 10.61% | |
| Peoples State Bank | -0.10% | 16.29% | |
| Associated Bank | -0.07% | 10.89% | |
| US Bank | 0.00% | 5.40% | |
| mBank | 0.02% | 4.21% | |
| Nicolet National Bank | 0.02% | 17.57% | |
| Wells Fargo Bank | 0.03% | 4.85% | |
| JPMorgan Chase Bank | 0.04% | 3.29% | |
| CoVantage Credit Union | 0.07% | 2.84% | |
| Inlanta Mortgage | 0.09% | 14.18% | |
| Quicken Loans | 0.15% | 9.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Incredible Bank | -0.10% | 8.25% | |
| Peoples State Bank | -0.06% | 20.37% | |
| Associated Bank | -0.06% | 11.78% | |
| mBank | -0.01% | 3.70% | |
| US Bank | -0.01% | 5.89% | |
| Wells Fargo Bank | 0.00% | 5.22% | |
| Nicolet National Bank | 0.02% | 15.15% | |
| CoVantage Credit Union | 0.04% | 0.51% | |
| JPMorgan Chase Bank | 0.04% | 3.54% | |
| Quicken Loans | 0.05% | 5.56% | |
| Inlanta Mortgage | 0.11% | 20.03% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Peoples State Bank | -0.18% | 11.42% | |
| Incredible Bank | -0.12% | 13.43% | |
| Associated Bank | -0.08% | 9.82% | |
| Inlanta Mortgage | 0.00% | 7.21% | |
| Nicolet National Bank | 0.02% | 20.44% | |
| US Bank | 0.03% | 4.81% | |
| JPMorgan Chase Bank | 0.05% | 3.01% | |
| mBank | 0.05% | 4.81% | |
| Wells Fargo Bank | 0.05% | 4.41% | |
| CoVantage Credit Union | 0.07% | 5.61% | |
| Quicken Loans | 0.19% | 15.03% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Incredible Bank | -0.11% | 11.62% | |
| Peoples State Bank | -0.10% | 17.74% | |
| Associated Bank | -0.07% | 11.22% | |
| US Bank | 0.01% | 4.51% | |
| mBank | 0.02% | 4.61% | |
| Nicolet National Bank | 0.02% | 19.04% | |
| Wells Fargo Bank | 0.03% | 4.91% | |
| JPMorgan Chase Bank | 0.05% | 3.21% | |
| CoVantage Credit Union | 0.07% | 3.11% | |
| Inlanta Mortgage | 0.10% | 12.53% | |
| Quicken Loans | 0.20% | 7.52% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Incredible Bank | -0.10% | 9.14% | |
| Associated Bank | -0.06% | 11.94% | |
| Peoples State Bank | -0.06% | 22.39% | |
| US Bank | -0.01% | 5.04% | |
| mBank | -0.01% | 4.10% | |
| Wells Fargo Bank | 0.01% | 5.41% | |
| Nicolet National Bank | 0.02% | 16.60% | |
| CoVantage Credit Union | 0.04% | 0.56% | |
| JPMorgan Chase Bank | 0.05% | 3.36% | |
| Quicken Loans | 0.07% | 3.73% | |
| Inlanta Mortgage | 0.13% | 17.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Peoples State Bank | -0.17% | 12.34% | |
| Incredible Bank | -0.12% | 14.50% | |
| Associated Bank | -0.08% | 10.39% | |
| Inlanta Mortgage | 0.00% | 6.49% | |
| Nicolet National Bank | 0.03% | 21.86% | |
| US Bank | 0.03% | 3.90% | |
| mBank | 0.05% | 5.19% | |
| JPMorgan Chase Bank | 0.05% | 3.03% | |
| Wells Fargo Bank | 0.06% | 4.33% | |
| CoVantage Credit Union | 0.07% | 6.06% | |
| Quicken Loans | 0.25% | 11.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.03% | 14.29% | |
| Associated Bank | -0.02% | 9.52% | |
| Inlanta Mortgage | 0.00% | 35.71% | |
| Quicken Loans | 0.01% | 40.48% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.02% | 18.52% | |
| Associated Bank | -0.02% | 11.11% | |
| Quicken Loans | 0.01% | 22.22% | |
| Inlanta Mortgage | 0.01% | 48.15% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.02% | 6.67% | |
| Associated Bank | -0.01% | 6.67% | |
| Inlanta Mortgage | 0.00% | 13.33% | |
| Quicken Loans | 0.00% | 73.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 16.67% | |
| US Bank | -0.00% | 41.67% | |
| Peoples State Bank | -0.00% | 8.33% | |
| JPMorgan Chase Bank | 0.00% | 16.67% | |
| Nicolet National Bank | 0.01% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Nicolet National Bank | -0.00% | 33.33% | |
| Peoples State Bank | -0.00% | 33.33% | |
| JPMorgan Chase Bank | 0.00% | 33.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 22.22% | |
| US Bank | -0.00% | 55.56% | |
| JPMorgan Chase Bank | 0.00% | 11.11% | |
| Nicolet National Bank | 0.03% | 11.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.07% | 7.32% | |
| Wells Fargo Bank | -0.06% | 4.88% | |
| JPMorgan Chase Bank | -0.03% | 4.88% | |
| US Bank | 0.00% | 7.32% | |
| Quicken Loans | 0.01% | 39.02% | |
| Inlanta Mortgage | 0.02% | 36.59% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.07% | 10.71% | |
| Wells Fargo Bank | -0.06% | 7.14% | |
| JPMorgan Chase Bank | -0.03% | 7.14% | |
| Quicken Loans | -0.00% | 25.00% | |
| US Bank | 0.00% | 10.71% | |
| Inlanta Mortgage | 0.04% | 39.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Inlanta Mortgage | -0.04% | 30.77% | |
| Quicken Loans | 0.02% | 69.23% |
* Data is compiled for the Rhinelander, WI commuting zone area, which comprises of counties of Forest County, WI, Langlade County, WI, Oneida County, WI, and Vilas County, WI. This includes cities/towns/communities of Rhinelander, WI as well as Antigo, WI, Three Lakes, WI, Boulder Junction, WI, Eagle River, WI, Sayner, WI, Crandon, WI, Post Lake, WI, Lake Tomahawk, WI, Minocqua, WI, Lac du Flambeau, WI, Woodruff, WI, White Lake, WI, Wabeno, WI, and Argonne, 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 Rhinelander, WI area. For mortgage lender rankings in other cities, click here.