Top Mortgage Lenders in Rice Lake, WI

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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.09%(4.0)16.07%
WESTconsin Credit Union-0.08%(4.0)14.97%
Johnson Financial Group-0.06%(4.0)14.97%
US Bank-0.00%(3.5)8.63%
Associated Bank0.01%(3.5)6.56%
Wells Fargo Bank0.01%(3.5)4.59%
Citizens Community Federal0.01%(3.5)7.87%
AMEC Home Loans0.03%(3.5)5.79%
Tradition Mortgage0.07%(3.0)3.39%
Quicken Loans0.15%(2.5)11.15%
Compeer Financial0.20%(2.5)6.01%
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.05%(4.0)18.06%
Johnson Financial Group-0.05%(4.0)10.79%
US Bank-0.04%(3.5)8.15%
WESTconsin Credit Union-0.02%(3.5)11.89%
Citizens Community Federal-0.01%(3.5)8.15%
Wells Fargo Bank-0.00%(3.5)7.71%
Associated Bank0.00%(3.5)8.37%
AMEC Home Loans0.02%(3.5)10.13%
Tradition Mortgage0.06%(3.0)4.85%
Quicken Loans0.12%(3.0)8.37%
Compeer Financial0.20%(2.5)3.52%
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.13%(4.0)14.10%
WESTconsin Credit Union-0.11%(4.0)18.00%
Johnson Financial Group-0.06%(4.0)19.09%
Associated Bank0.01%(3.5)4.77%
US Bank0.03%(3.5)9.11%
Citizens Community Federal0.04%(3.5)7.59%
AMEC Home Loans0.04%(3.5)1.52%
Tradition Mortgage0.07%(3.0)1.95%
Wells Fargo Bank0.08%(3.0)1.52%
Quicken Loans0.17%(2.5)13.88%
Compeer Financial0.20%(2.5)8.46%
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.08%(4.0)17.80%
WESTconsin Credit Union-0.07%(4.0)16.59%
Johnson Financial Group-0.05%(4.0)16.59%
US Bank-0.00%(3.5)8.72%
Associated Bank0.01%(3.5)5.81%
Wells Fargo Bank0.01%(3.5)4.72%
Citizens Community Federal0.02%(3.5)8.72%
AMEC Home Loans0.03%(3.5)3.75%
Tradition Mortgage0.09%(3.0)2.78%
Compeer Financial0.20%(2.5)6.66%
Quicken Loans0.21%(2.5)7.87%
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.05%(4.0)20.60%
Johnson Financial Group-0.05%(4.0)12.31%
US Bank-0.05%(3.5)8.04%
WESTconsin Credit Union-0.02%(3.5)13.57%
Wells Fargo Bank-0.01%(3.5)8.04%
Citizens Community Federal-0.00%(3.5)9.30%
Associated Bank0.00%(3.5)7.54%
AMEC Home Loans0.02%(3.5)6.28%
Tradition Mortgage0.10%(3.0)3.52%
Quicken Loans0.16%(2.5)6.78%
Compeer Financial0.21%(2.5)4.02%
Lender NameRate DifferenceRate RatingMarket Share
Royal Credit Union-0.13%(4.0)15.19%
WESTconsin Credit Union-0.11%(4.0)19.39%
Johnson Financial Group-0.05%(4.0)20.56%
Associated Bank0.01%(3.5)4.21%
US Bank0.04%(3.5)9.35%
Citizens Community Federal0.04%(3.5)8.18%
AMEC Home Loans0.04%(3.5)1.40%
Tradition Mortgage0.08%(3.0)2.10%
Wells Fargo Bank0.09%(3.0)1.64%
Compeer Financial0.21%(2.5)9.11%
Quicken Loans0.24%(2.5)8.88%
Lender NameRate DifferenceRate RatingMarket Share
Tradition Mortgage-0.04%(3.5)11.76%
Associated Bank-0.02%(3.5)3.92%
US Bank-0.00%(3.5)3.92%
AMEC Home Loans0.00%(3.5)37.25%
Quicken Loans0.01%(3.5)43.14%
Lender NameRate DifferenceRate RatingMarket Share
Tradition Mortgage-0.03%(3.5)16.67%
Associated Bank-0.02%(3.5)5.56%
US Bank-0.00%(3.5)5.56%
AMEC Home Loans0.00%(3.5)50.00%
Quicken Loans0.02%(3.5)22.22%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.00%(3.5)93.33%
AMEC Home Loans0.02%(3.5)6.67%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)16.67%
Tradition Mortgage0.00%(3.5)16.67%
Wells Fargo Bank0.00%(3.5)16.67%
Associated Bank0.00%(3.5)33.33%
AMEC Home Loans0.00%(3.5)16.67%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.00%(3.5)25.00%
Tradition Mortgage-0.00%(3.5)25.00%
Wells Fargo Bank-0.00%(3.5)25.00%
AMEC Home Loans0.00%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)50.00%
Associated Bank0.01%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.03%(3.5)25.00%
US Bank-0.03%(3.5)15.62%
AMEC Home Loans-0.02%(3.5)6.25%
Tradition Mortgage-0.00%(3.5)3.12%
Wells Fargo Bank0.00%(3.5)6.25%
Quicken Loans0.03%(3.5)43.75%
Lender NameRate DifferenceRate RatingMarket Share
Associated Bank-0.02%(3.5)31.25%
US Bank-0.01%(3.5)18.75%
AMEC Home Loans0.01%(3.5)12.50%
Quicken Loans0.02%(3.5)18.75%
Tradition Mortgage0.02%(3.5)6.25%
Wells Fargo Bank0.03%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.06%(4.0)12.50%
Associated Bank-0.03%(3.5)18.75%
Quicken Loans0.02%(3.5)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

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