Which mortgage lender in the Sheboygan, 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 Sheboygan, 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 Sheboygan, WI area in terms of interest rate is Bank First, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Bank First provided a -0.11% lower interest rate for its customers than other lenders in the area. Bank First has a market share of 15.5%. It is the most popular lender in the Sheboygan, WI area.
Our detailed ranking of mortgage lenders in the Sheboygan, 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 Sheboygan, WI is Bank First. 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 JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CIBM Bank. The cheapest VA mortgage provider is Servion. 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 Sheboygan, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank First | -0.11% | 15.55% | |
| Johnson Financial Group | -0.07% | 3.83% | |
| CIBM Bank | -0.07% | 5.44% | |
| Community First Credit Union Wisconsin | -0.06% | 2.74% | |
| Associated Bank | -0.05% | 7.80% | |
| Servion | -0.05% | 1.79% | |
| Commerce State Bank | -0.05% | 8.45% | |
| National Exchange Bank | -0.03% | 3.27% | |
| Port Washington State Bank | -0.03% | 1.48% | |
| First Federal Bank of Florida | -0.02% | 2.87% | |
| Landmark Credit Union | -0.01% | 1.35% | |
| JPMorgan Chase Bank | 0.00% | 1.35% | |
| Flagstar Bank | 0.02% | 7.53% | |
| US Bank | 0.03% | 9.41% | |
| Wisconsin Mortgage Corporation | 0.05% | 1.70% | |
| Towne Mortgage Company | 0.06% | 2.74% | |
| Wells Fargo Bank | 0.08% | 5.62% | |
| Inlanta Mortgage | 0.08% | 1.66% | |
| Cherry Creek Mortgage | 0.09% | 2.26% | |
| BMO Harris | 0.11% | 1.48% | |
| UnitedOne Credit Union | 0.13% | 3.05% | |
| Quicken Loans | 0.18% | 8.62% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CIBM Bank | -0.08% | 7.20% | |
| Associated Bank | -0.07% | 8.75% | |
| Bank First | -0.06% | 13.25% | |
| National Exchange Bank | -0.04% | 3.25% | |
| Servion | -0.03% | 1.47% | |
| Landmark Credit Union | -0.03% | 1.39% | |
| Commerce State Bank | -0.02% | 9.06% | |
| Johnson Financial Group | -0.02% | 3.18% | |
| JPMorgan Chase Bank | -0.02% | 1.86% | |
| First Federal Bank of Florida | -0.01% | 2.87% | |
| Port Washington State Bank | -0.01% | 1.01% | |
| US Bank | -0.01% | 11.00% | |
| Community First Credit Union Wisconsin | 0.03% | 1.70% | |
| Flagstar Bank | 0.03% | 8.06% | |
| Towne Mortgage Company | 0.04% | 3.33% | |
| Wisconsin Mortgage Corporation | 0.06% | 2.56% | |
| Wells Fargo Bank | 0.07% | 6.43% | |
| BMO Harris | 0.08% | 1.32% | |
| Inlanta Mortgage | 0.09% | 2.09% | |
| UnitedOne Credit Union | 0.09% | 1.55% | |
| Cherry Creek Mortgage | 0.12% | 3.18% | |
| Quicken Loans | 0.14% | 5.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank First | -0.16% | 18.51% | |
| Johnson Financial Group | -0.12% | 4.68% | |
| Community First Credit Union Wisconsin | -0.11% | 4.08% | |
| Commerce State Bank | -0.09% | 7.66% | |
| Servion | -0.07% | 2.19% | |
| CIBM Bank | -0.04% | 3.18% | |
| Port Washington State Bank | -0.04% | 2.09% | |
| First Federal Bank of Florida | -0.02% | 2.89% | |
| National Exchange Bank | -0.02% | 3.28% | |
| Associated Bank | -0.02% | 6.57% | |
| Cherry Creek Mortgage | -0.01% | 1.09% | |
| Wisconsin Mortgage Corporation | 0.01% | 0.60% | |
| Landmark Credit Union | 0.01% | 1.29% | |
| Flagstar Bank | 0.02% | 6.87% | |
| Inlanta Mortgage | 0.04% | 1.09% | |
| JPMorgan Chase Bank | 0.07% | 0.70% | |
| Wells Fargo Bank | 0.09% | 4.58% | |
| Towne Mortgage Company | 0.09% | 1.99% | |
| US Bank | 0.12% | 7.36% | |
| BMO Harris | 0.13% | 1.69% | |
| UnitedOne Credit Union | 0.15% | 4.98% | |
| Quicken Loans | 0.20% | 12.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank First | -0.11% | 17.21% | |
| CIBM Bank | -0.07% | 4.67% | |
| Johnson Financial Group | -0.07% | 4.33% | |
| Community First Credit Union Wisconsin | -0.06% | 3.10% | |
| Associated Bank | -0.06% | 8.26% | |
| Servion | -0.05% | 1.87% | |
| Commerce State Bank | -0.05% | 8.95% | |
| National Exchange Bank | -0.03% | 3.69% | |
| Port Washington State Bank | -0.03% | 1.67% | |
| First Federal Bank of Florida | -0.02% | 3.05% | |
| Landmark Credit Union | -0.01% | 1.52% | |
| JPMorgan Chase Bank | 0.00% | 1.47% | |
| Flagstar Bank | 0.03% | 8.01% | |
| US Bank | 0.04% | 9.64% | |
| Wells Fargo Bank | 0.08% | 6.00% | |
| Wisconsin Mortgage Corporation | 0.08% | 1.38% | |
| Inlanta Mortgage | 0.10% | 1.28% | |
| BMO Harris | 0.11% | 1.62% | |
| Cherry Creek Mortgage | 0.11% | 1.52% | |
| Towne Mortgage Company | 0.12% | 1.28% | |
| UnitedOne Credit Union | 0.14% | 3.29% | |
| Quicken Loans | 0.27% | 6.19% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CIBM Bank | -0.08% | 6.08% | |
| Associated Bank | -0.08% | 9.29% | |
| Bank First | -0.06% | 15.10% | |
| National Exchange Bank | -0.04% | 3.75% | |
| Servion | -0.03% | 1.43% | |
| Landmark Credit Union | -0.03% | 1.61% | |
| JPMorgan Chase Bank | -0.02% | 2.06% | |
| Commerce State Bank | -0.02% | 9.65% | |
| Johnson Financial Group | -0.02% | 3.66% | |
| First Federal Bank of Florida | -0.01% | 3.13% | |
| Port Washington State Bank | -0.01% | 1.16% | |
| US Bank | -0.01% | 11.17% | |
| Community First Credit Union Wisconsin | 0.03% | 1.97% | |
| Flagstar Bank | 0.03% | 8.76% | |
| Wells Fargo Bank | 0.08% | 6.88% | |
| BMO Harris | 0.08% | 1.52% | |
| Wisconsin Mortgage Corporation | 0.10% | 2.23% | |
| UnitedOne Credit Union | 0.10% | 1.52% | |
| Inlanta Mortgage | 0.12% | 1.70% | |
| Towne Mortgage Company | 0.14% | 1.43% | |
| Cherry Creek Mortgage | 0.15% | 2.14% | |
| Quicken Loans | 0.20% | 3.75% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank First | -0.16% | 19.78% | |
| Johnson Financial Group | -0.12% | 5.14% | |
| Community First Credit Union Wisconsin | -0.11% | 4.48% | |
| Commerce State Bank | -0.09% | 8.09% | |
| Servion | -0.07% | 2.40% | |
| CIBM Bank | -0.05% | 2.95% | |
| Port Washington State Bank | -0.04% | 2.30% | |
| First Federal Bank of Florida | -0.02% | 2.95% | |
| Cherry Creek Mortgage | -0.02% | 0.77% | |
| National Exchange Bank | -0.02% | 3.61% | |
| Associated Bank | -0.02% | 6.99% | |
| Wisconsin Mortgage Corporation | 0.01% | 0.33% | |
| Landmark Credit Union | 0.02% | 1.42% | |
| Flagstar Bank | 0.02% | 7.10% | |
| Inlanta Mortgage | 0.06% | 0.77% | |
| JPMorgan Chase Bank | 0.07% | 0.77% | |
| Towne Mortgage Company | 0.08% | 1.09% | |
| Wells Fargo Bank | 0.09% | 4.92% | |
| US Bank | 0.12% | 7.76% | |
| BMO Harris | 0.14% | 1.75% | |
| UnitedOne Credit Union | 0.15% | 5.46% | |
| Quicken Loans | 0.31% | 9.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CIBM Bank | -0.06% | 13.02% | |
| Commerce State Bank | -0.04% | 7.10% | |
| Wisconsin Mortgage Corporation | -0.04% | 4.14% | |
| US Bank | -0.02% | 7.10% | |
| Associated Bank | -0.00% | 1.18% | |
| Towne Mortgage Company | 0.01% | 18.93% | |
| Inlanta Mortgage | 0.02% | 4.14% | |
| First Federal Bank of Florida | 0.02% | 1.18% | |
| Quicken Loans | 0.02% | 31.36% | |
| Wells Fargo Bank | 0.02% | 0.59% | |
| Flagstar Bank | 0.03% | 3.55% | |
| Cherry Creek Mortgage | 0.05% | 7.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CIBM Bank | -0.07% | 17.70% | |
| Commerce State Bank | -0.05% | 7.96% | |
| Wisconsin Mortgage Corporation | -0.04% | 5.31% | |
| Towne Mortgage Company | -0.02% | 21.24% | |
| US Bank | -0.02% | 8.85% | |
| Associated Bank | 0.00% | 1.77% | |
| First Federal Bank of Florida | 0.02% | 0.88% | |
| Inlanta Mortgage | 0.02% | 5.31% | |
| Wells Fargo Bank | 0.02% | 0.88% | |
| Flagstar Bank | 0.04% | 3.54% | |
| Cherry Creek Mortgage | 0.07% | 8.85% | |
| Quicken Loans | 0.09% | 17.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.03% | 58.93% | |
| Commerce State Bank | -0.01% | 5.36% | |
| US Bank | 0.00% | 3.57% | |
| Inlanta Mortgage | 0.01% | 1.79% | |
| Wisconsin Mortgage Corporation | 0.01% | 1.79% | |
| Cherry Creek Mortgage | 0.01% | 5.36% | |
| First Federal Bank of Florida | 0.01% | 1.79% | |
| CIBM Bank | 0.02% | 3.57% | |
| Flagstar Bank | 0.03% | 3.57% | |
| Towne Mortgage Company | 0.10% | 14.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| JPMorgan Chase Bank | -0.00% | 8.33% | |
| Bank First | -0.00% | 58.33% | |
| US Bank | 0.00% | 8.33% | |
| BMO Harris | 0.01% | 8.33% | |
| Wells Fargo Bank | 0.01% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| JPMorgan Chase Bank | -0.01% | 20.00% | |
| Wells Fargo Bank | -0.00% | 20.00% | |
| US Bank | 0.00% | 20.00% | |
| Bank First | 0.00% | 40.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank First | -0.00% | 71.43% | |
| BMO Harris | 0.01% | 14.29% | |
| Wells Fargo Bank | 0.01% | 14.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Servion | -0.04% | 3.70% | |
| Associated Bank | -0.03% | 11.11% | |
| CIBM Bank | -0.02% | 9.88% | |
| Wells Fargo Bank | -0.02% | 4.94% | |
| Wisconsin Mortgage Corporation | -0.02% | 4.94% | |
| Inlanta Mortgage | -0.01% | 6.17% | |
| First Federal Bank of Florida | 0.00% | 2.47% | |
| US Bank | 0.00% | 8.64% | |
| Flagstar Bank | 0.01% | 4.94% | |
| Quicken Loans | 0.01% | 23.46% | |
| Towne Mortgage Company | 0.01% | 6.17% | |
| UnitedOne Credit Union | 0.02% | 3.70% | |
| Cherry Creek Mortgage | 0.06% | 9.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Servion | -0.04% | 5.56% | |
| Associated Bank | -0.03% | 12.96% | |
| Wells Fargo Bank | -0.02% | 7.41% | |
| CIBM Bank | -0.02% | 9.26% | |
| Wisconsin Mortgage Corporation | -0.02% | 3.70% | |
| First Federal Bank of Florida | -0.01% | 1.85% | |
| Quicken Loans | -0.01% | 16.67% | |
| Inlanta Mortgage | 0.00% | 3.70% | |
| US Bank | 0.01% | 11.11% | |
| Towne Mortgage Company | 0.01% | 5.56% | |
| UnitedOne Credit Union | 0.02% | 5.56% | |
| Flagstar Bank | 0.02% | 3.70% | |
| Cherry Creek Mortgage | 0.07% | 12.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| CIBM Bank | -0.03% | 11.11% | |
| Associated Bank | -0.02% | 7.41% | |
| Wisconsin Mortgage Corporation | -0.02% | 7.41% | |
| Inlanta Mortgage | -0.02% | 11.11% | |
| Flagstar Bank | -0.01% | 7.41% | |
| US Bank | 0.00% | 3.70% | |
| Cherry Creek Mortgage | 0.00% | 3.70% | |
| Towne Mortgage Company | 0.01% | 7.41% | |
| First Federal Bank of Florida | 0.01% | 3.70% | |
| Quicken Loans | 0.02% | 37.04% |
* Data is compiled for the Sheboygan, WI commuting zone area, which comprises of counties of Manitowoc County, WI, and Sheboygan County, WI. This includes cities/towns/communities of Sheboygan, WI as well as Manitowoc, WI, Plymouth, WI, Kohler, WI, Sheboygan Falls, WI, Two Rivers, WI, Oostburg, WI, Valders, WI, Francis Creek, WI, Cleveland, WI, Howards Grove, WI, Random Lake, WI, Mishicot, WI, Kiel, WI, Elkhart Lake, WI, Reedsville, WI, Cascade, WI, Glenbeulah, WI, and Hingham, 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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