Which mortgage lender in the Rice Lake, 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 Rice Lake, 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 Rice Lake, WI area in terms of interest rate is Royal Credit Union, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Royal Credit Union provided a -0.09% lower interest rate for its customers than other lenders in the area. Royal Credit Union has a market share of 16.1%. It is the most popular lender in the Rice Lake, WI area.
Our detailed ranking of mortgage lenders in the Rice Lake, 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 Rice Lake, WI is Royal Credit Union. 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 Quicken Loans. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Tradition Mortgage. 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 Rice Lake, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.09% | 16.07% | |
| WESTconsin Credit Union | -0.08% | 14.97% | |
| Johnson Financial Group | -0.06% | 14.97% | |
| US Bank | -0.00% | 8.63% | |
| Associated Bank | 0.01% | 6.56% | |
| Wells Fargo Bank | 0.01% | 4.59% | |
| Citizens Community Federal | 0.01% | 7.87% | |
| AMEC Home Loans | 0.03% | 5.79% | |
| Tradition Mortgage | 0.07% | 3.39% | |
| Quicken Loans | 0.15% | 11.15% | |
| Compeer Financial | 0.20% | 6.01% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.05% | 18.06% | |
| Johnson Financial Group | -0.05% | 10.79% | |
| US Bank | -0.04% | 8.15% | |
| WESTconsin Credit Union | -0.02% | 11.89% | |
| Citizens Community Federal | -0.01% | 8.15% | |
| Wells Fargo Bank | -0.00% | 7.71% | |
| Associated Bank | 0.00% | 8.37% | |
| AMEC Home Loans | 0.02% | 10.13% | |
| Tradition Mortgage | 0.06% | 4.85% | |
| Quicken Loans | 0.12% | 8.37% | |
| Compeer Financial | 0.20% | 3.52% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.13% | 14.10% | |
| WESTconsin Credit Union | -0.11% | 18.00% | |
| Johnson Financial Group | -0.06% | 19.09% | |
| Associated Bank | 0.01% | 4.77% | |
| US Bank | 0.03% | 9.11% | |
| Citizens Community Federal | 0.04% | 7.59% | |
| AMEC Home Loans | 0.04% | 1.52% | |
| Tradition Mortgage | 0.07% | 1.95% | |
| Wells Fargo Bank | 0.08% | 1.52% | |
| Quicken Loans | 0.17% | 13.88% | |
| Compeer Financial | 0.20% | 8.46% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.08% | 17.80% | |
| WESTconsin Credit Union | -0.07% | 16.59% | |
| Johnson Financial Group | -0.05% | 16.59% | |
| US Bank | -0.00% | 8.72% | |
| Associated Bank | 0.01% | 5.81% | |
| Wells Fargo Bank | 0.01% | 4.72% | |
| Citizens Community Federal | 0.02% | 8.72% | |
| AMEC Home Loans | 0.03% | 3.75% | |
| Tradition Mortgage | 0.09% | 2.78% | |
| Compeer Financial | 0.20% | 6.66% | |
| Quicken Loans | 0.21% | 7.87% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.05% | 20.60% | |
| Johnson Financial Group | -0.05% | 12.31% | |
| US Bank | -0.05% | 8.04% | |
| WESTconsin Credit Union | -0.02% | 13.57% | |
| Wells Fargo Bank | -0.01% | 8.04% | |
| Citizens Community Federal | -0.00% | 9.30% | |
| Associated Bank | 0.00% | 7.54% | |
| AMEC Home Loans | 0.02% | 6.28% | |
| Tradition Mortgage | 0.10% | 3.52% | |
| Quicken Loans | 0.16% | 6.78% | |
| Compeer Financial | 0.21% | 4.02% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Royal Credit Union | -0.13% | 15.19% | |
| WESTconsin Credit Union | -0.11% | 19.39% | |
| Johnson Financial Group | -0.05% | 20.56% | |
| Associated Bank | 0.01% | 4.21% | |
| US Bank | 0.04% | 9.35% | |
| Citizens Community Federal | 0.04% | 8.18% | |
| AMEC Home Loans | 0.04% | 1.40% | |
| Tradition Mortgage | 0.08% | 2.10% | |
| Wells Fargo Bank | 0.09% | 1.64% | |
| Compeer Financial | 0.21% | 9.11% | |
| Quicken Loans | 0.24% | 8.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Tradition Mortgage | -0.04% | 11.76% | |
| Associated Bank | -0.02% | 3.92% | |
| US Bank | -0.00% | 3.92% | |
| AMEC Home Loans | 0.00% | 37.25% | |
| Quicken Loans | 0.01% | 43.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Tradition Mortgage | -0.03% | 16.67% | |
| Associated Bank | -0.02% | 5.56% | |
| US Bank | -0.00% | 5.56% | |
| AMEC Home Loans | 0.00% | 50.00% | |
| Quicken Loans | 0.02% | 22.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.00% | 93.33% | |
| AMEC Home Loans | 0.02% | 6.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 16.67% | |
| Tradition Mortgage | 0.00% | 16.67% | |
| Wells Fargo Bank | 0.00% | 16.67% | |
| Associated Bank | 0.00% | 33.33% | |
| AMEC Home Loans | 0.00% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.00% | 25.00% | |
| Tradition Mortgage | -0.00% | 25.00% | |
| Wells Fargo Bank | -0.00% | 25.00% | |
| AMEC Home Loans | 0.00% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 50.00% | |
| Associated Bank | 0.01% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.03% | 25.00% | |
| US Bank | -0.03% | 15.62% | |
| AMEC Home Loans | -0.02% | 6.25% | |
| Tradition Mortgage | -0.00% | 3.12% | |
| Wells Fargo Bank | 0.00% | 6.25% | |
| Quicken Loans | 0.03% | 43.75% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.02% | 31.25% | |
| US Bank | -0.01% | 18.75% | |
| AMEC Home Loans | 0.01% | 12.50% | |
| Quicken Loans | 0.02% | 18.75% | |
| Tradition Mortgage | 0.02% | 6.25% | |
| Wells Fargo Bank | 0.03% | 12.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.06% | 12.50% | |
| Associated Bank | -0.03% | 18.75% | |
| Quicken Loans | 0.02% | 68.75% |
* Data is compiled for the Rice Lake, WI commuting zone area, which comprises of counties of Barron County, WI, Rusk County, WI, Sawyer County, WI, and Washburn County, WI. This includes cities/towns/communities of Rice Lake, WI as well as Chetek, WI, Cameron, WI, Stone Lake, WI, Birchwood, WI, Spooner, WI, Prairie Farm, WI, Haugen, WI, Turtle Lake, WI, Hayward, WI, Shell Lake, WI, Barron, WI, Cumberland, WI, Bruce, WI, Trego, WI, Minong, WI, Hawkins, WI, Ladysmith, WI, Little Round Lake, WI, Weyerhaeuser, WI, Sheldon, WI, Winter, WI, and Radisson, 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 Rice Lake, WI area. For mortgage lender rankings in other cities, click here.