Top Mortgage Lenders in Sheboygan, WI

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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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 (for example, above $548,250 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Bank First-0.11%(4.0)15.55%
Johnson Financial Group-0.07%(4.0)3.83%
CIBM Bank-0.07%(4.0)5.44%
Community First Credit Union Wisconsin-0.06%(4.0)2.74%
Associated Bank-0.05%(4.0)7.80%
Servion-0.05%(4.0)1.79%
Commerce State Bank-0.05%(3.5)8.45%
National Exchange Bank-0.03%(3.5)3.27%
Port Washington State Bank-0.03%(3.5)1.48%
First Federal Bank of Florida-0.02%(3.5)2.87%
Landmark Credit Union-0.01%(3.5)1.35%
JPMorgan Chase Bank0.00%(3.5)1.35%
Flagstar Bank0.02%(3.5)7.53%
US Bank0.03%(3.5)9.41%
Wisconsin Mortgage Corporation0.05%(3.0)1.70%
Towne Mortgage Company0.06%(3.0)2.74%
Wells Fargo Bank0.08%(3.0)5.62%
Inlanta Mortgage0.08%(3.0)1.66%
Cherry Creek Mortgage0.09%(3.0)2.26%
BMO Harris0.11%(3.0)1.48%
UnitedOne Credit Union0.13%(3.0)3.05%
Quicken Loans0.18%(2.5)8.62%
Lender NameRate DifferenceRate RatingMarket Share
CIBM Bank-0.08%(4.0)7.20%
Associated Bank-0.07%(4.0)8.75%
Bank First-0.06%(4.0)13.25%
National Exchange Bank-0.04%(3.5)3.25%
Servion-0.03%(3.5)1.47%
Landmark Credit Union-0.03%(3.5)1.39%
Commerce State Bank-0.02%(3.5)9.06%
Johnson Financial Group-0.02%(3.5)3.18%
JPMorgan Chase Bank-0.02%(3.5)1.86%
First Federal Bank of Florida-0.01%(3.5)2.87%
Port Washington State Bank-0.01%(3.5)1.01%
US Bank-0.01%(3.5)11.00%
Community First Credit Union Wisconsin0.03%(3.5)1.70%
Flagstar Bank0.03%(3.5)8.06%
Towne Mortgage Company0.04%(3.5)3.33%
Wisconsin Mortgage Corporation0.06%(3.0)2.56%
Wells Fargo Bank0.07%(3.0)6.43%
BMO Harris0.08%(3.0)1.32%
Inlanta Mortgage0.09%(3.0)2.09%
UnitedOne Credit Union0.09%(3.0)1.55%
Cherry Creek Mortgage0.12%(3.0)3.18%
Quicken Loans0.14%(3.0)5.50%
Lender NameRate DifferenceRate RatingMarket Share
Bank First-0.16%(4.5)18.51%
Johnson Financial Group-0.12%(4.0)4.68%
Community First Credit Union Wisconsin-0.11%(4.0)4.08%
Commerce State Bank-0.09%(4.0)7.66%
Servion-0.07%(4.0)2.19%
CIBM Bank-0.04%(3.5)3.18%
Port Washington State Bank-0.04%(3.5)2.09%
First Federal Bank of Florida-0.02%(3.5)2.89%
National Exchange Bank-0.02%(3.5)3.28%
Associated Bank-0.02%(3.5)6.57%
Cherry Creek Mortgage-0.01%(3.5)1.09%
Wisconsin Mortgage Corporation0.01%(3.5)0.60%
Landmark Credit Union0.01%(3.5)1.29%
Flagstar Bank0.02%(3.5)6.87%
Inlanta Mortgage0.04%(3.5)1.09%
JPMorgan Chase Bank0.07%(3.0)0.70%
Wells Fargo Bank0.09%(3.0)4.58%
Towne Mortgage Company0.09%(3.0)1.99%
US Bank0.12%(3.0)7.36%
BMO Harris0.13%(3.0)1.69%
UnitedOne Credit Union0.15%(3.0)4.98%
Quicken Loans0.20%(2.5)12.64%
Lender NameRate DifferenceRate RatingMarket Share
Bank First-0.11%(4.0)17.21%
CIBM Bank-0.07%(4.0)4.67%
Johnson Financial Group-0.07%(4.0)4.33%
Community First Credit Union Wisconsin-0.06%(4.0)3.10%
Associated Bank-0.06%(4.0)8.26%
Servion-0.05%(4.0)1.87%
Commerce State Bank-0.05%(3.5)8.95%
National Exchange Bank-0.03%(3.5)3.69%
Port Washington State Bank-0.03%(3.5)1.67%
First Federal Bank of Florida-0.02%(3.5)3.05%
Landmark Credit Union-0.01%(3.5)1.52%
JPMorgan Chase Bank0.00%(3.5)1.47%
Flagstar Bank0.03%(3.5)8.01%
US Bank0.04%(3.5)9.64%
Wells Fargo Bank0.08%(3.0)6.00%
Wisconsin Mortgage Corporation0.08%(3.0)1.38%
Inlanta Mortgage0.10%(3.0)1.28%
BMO Harris0.11%(3.0)1.62%
Cherry Creek Mortgage0.11%(3.0)1.52%
Towne Mortgage Company0.12%(3.0)1.28%
UnitedOne Credit Union0.14%(3.0)3.29%
Quicken Loans0.27%(2.0)6.19%
Lender NameRate DifferenceRate RatingMarket Share
CIBM Bank-0.08%(4.0)6.08%
Associated Bank-0.08%(4.0)9.29%
Bank First-0.06%(4.0)15.10%
National Exchange Bank-0.04%(3.5)3.75%
Servion-0.03%(3.5)1.43%
Landmark Credit Union-0.03%(3.5)1.61%
JPMorgan Chase Bank-0.02%(3.5)2.06%
Commerce State Bank-0.02%(3.5)9.65%
Johnson Financial Group-0.02%(3.5)3.66%
First Federal Bank of Florida-0.01%(3.5)3.13%
Port Washington State Bank-0.01%(3.5)1.16%
US Bank-0.01%(3.5)11.17%
Community First Credit Union Wisconsin0.03%(3.5)1.97%
Flagstar Bank0.03%(3.5)8.76%
Wells Fargo Bank0.08%(3.0)6.88%
BMO Harris0.08%(3.0)1.52%
Wisconsin Mortgage Corporation0.10%(3.0)2.23%
UnitedOne Credit Union0.10%(3.0)1.52%
Inlanta Mortgage0.12%(3.0)1.70%
Towne Mortgage Company0.14%(3.0)1.43%
Cherry Creek Mortgage0.15%(2.5)2.14%
Quicken Loans0.20%(2.5)3.75%
Lender NameRate DifferenceRate RatingMarket Share
Bank First-0.16%(4.5)19.78%
Johnson Financial Group-0.12%(4.0)5.14%
Community First Credit Union Wisconsin-0.11%(4.0)4.48%
Commerce State Bank-0.09%(4.0)8.09%
Servion-0.07%(4.0)2.40%
CIBM Bank-0.05%(3.5)2.95%
Port Washington State Bank-0.04%(3.5)2.30%
First Federal Bank of Florida-0.02%(3.5)2.95%
Cherry Creek Mortgage-0.02%(3.5)0.77%
National Exchange Bank-0.02%(3.5)3.61%
Associated Bank-0.02%(3.5)6.99%
Wisconsin Mortgage Corporation0.01%(3.5)0.33%
Landmark Credit Union0.02%(3.5)1.42%
Flagstar Bank0.02%(3.5)7.10%
Inlanta Mortgage0.06%(3.0)0.77%
JPMorgan Chase Bank0.07%(3.0)0.77%
Towne Mortgage Company0.08%(3.0)1.09%
Wells Fargo Bank0.09%(3.0)4.92%
US Bank0.12%(3.0)7.76%
BMO Harris0.14%(3.0)1.75%
UnitedOne Credit Union0.15%(3.0)5.46%
Quicken Loans0.31%(2.0)9.18%
Lender NameRate DifferenceRate RatingMarket Share
CIBM Bank-0.06%(4.0)13.02%
Commerce State Bank-0.04%(3.5)7.10%
Wisconsin Mortgage Corporation-0.04%(3.5)4.14%
US Bank-0.02%(3.5)7.10%
Associated Bank-0.00%(3.5)1.18%
Towne Mortgage Company0.01%(3.5)18.93%
Inlanta Mortgage0.02%(3.5)4.14%
First Federal Bank of Florida0.02%(3.5)1.18%
Quicken Loans0.02%(3.5)31.36%
Wells Fargo Bank0.02%(3.5)0.59%
Flagstar Bank0.03%(3.5)3.55%
Cherry Creek Mortgage0.05%(3.0)7.69%
Lender NameRate DifferenceRate RatingMarket Share
CIBM Bank-0.07%(4.0)17.70%
Commerce State Bank-0.05%(4.0)7.96%
Wisconsin Mortgage Corporation-0.04%(3.5)5.31%
Towne Mortgage Company-0.02%(3.5)21.24%
US Bank-0.02%(3.5)8.85%
Associated Bank0.00%(3.5)1.77%
First Federal Bank of Florida0.02%(3.5)0.88%
Inlanta Mortgage0.02%(3.5)5.31%
Wells Fargo Bank0.02%(3.5)0.88%
Flagstar Bank0.04%(3.5)3.54%
Cherry Creek Mortgage0.07%(3.0)8.85%
Quicken Loans0.09%(3.0)17.70%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.03%(3.5)58.93%
Commerce State Bank-0.01%(3.5)5.36%
US Bank0.00%(3.5)3.57%
Inlanta Mortgage0.01%(3.5)1.79%
Wisconsin Mortgage Corporation0.01%(3.5)1.79%
Cherry Creek Mortgage0.01%(3.5)5.36%
First Federal Bank of Florida0.01%(3.5)1.79%
CIBM Bank0.02%(3.5)3.57%
Flagstar Bank0.03%(3.5)3.57%
Towne Mortgage Company0.10%(3.0)14.29%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.00%(3.5)8.33%
Bank First-0.00%(3.5)58.33%
US Bank0.00%(3.5)8.33%
BMO Harris0.01%(3.5)8.33%
Wells Fargo Bank0.01%(3.5)16.67%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.01%(3.5)20.00%
Wells Fargo Bank-0.00%(3.5)20.00%
US Bank0.00%(3.5)20.00%
Bank First0.00%(3.5)40.00%
Lender NameRate DifferenceRate RatingMarket Share
Bank First-0.00%(3.5)71.43%
BMO Harris0.01%(3.5)14.29%
Wells Fargo Bank0.01%(3.5)14.29%
Lender NameRate DifferenceRate RatingMarket Share
Servion-0.04%(3.5)3.70%
Associated Bank-0.03%(3.5)11.11%
CIBM Bank-0.02%(3.5)9.88%
Wells Fargo Bank-0.02%(3.5)4.94%
Wisconsin Mortgage Corporation-0.02%(3.5)4.94%
Inlanta Mortgage-0.01%(3.5)6.17%
First Federal Bank of Florida0.00%(3.5)2.47%
US Bank0.00%(3.5)8.64%
Flagstar Bank0.01%(3.5)4.94%
Quicken Loans0.01%(3.5)23.46%
Towne Mortgage Company0.01%(3.5)6.17%
UnitedOne Credit Union0.02%(3.5)3.70%
Cherry Creek Mortgage0.06%(3.0)9.88%
Lender NameRate DifferenceRate RatingMarket Share
Servion-0.04%(3.5)5.56%
Associated Bank-0.03%(3.5)12.96%
Wells Fargo Bank-0.02%(3.5)7.41%
CIBM Bank-0.02%(3.5)9.26%
Wisconsin Mortgage Corporation-0.02%(3.5)3.70%
First Federal Bank of Florida-0.01%(3.5)1.85%
Quicken Loans-0.01%(3.5)16.67%
Inlanta Mortgage0.00%(3.5)3.70%
US Bank0.01%(3.5)11.11%
Towne Mortgage Company0.01%(3.5)5.56%
UnitedOne Credit Union0.02%(3.5)5.56%
Flagstar Bank0.02%(3.5)3.70%
Cherry Creek Mortgage0.07%(3.0)12.96%
Lender NameRate DifferenceRate RatingMarket Share
CIBM Bank-0.03%(3.5)11.11%
Associated Bank-0.02%(3.5)7.41%
Wisconsin Mortgage Corporation-0.02%(3.5)7.41%
Inlanta Mortgage-0.02%(3.5)11.11%
Flagstar Bank-0.01%(3.5)7.41%
US Bank0.00%(3.5)3.70%
Cherry Creek Mortgage0.00%(3.5)3.70%
Towne Mortgage Company0.01%(3.5)7.41%
First Federal Bank of Florida0.01%(3.5)3.70%
Quicken Loans0.02%(3.5)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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