Which mortgage lender in the Wausau, 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 Wausau, 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 Wausau, WI area in terms of interest rate is University of Wisconsin Credit Union, with an average “Rate Difference” of -0.17%. This means that, comparing similar borrowers, University of Wisconsin Credit Union provided a -0.17% lower interest rate for its customers than other lenders in the area. University of Wisconsin Credit Union has a market share of 2.9%. On the other hand, the most popular lender in the Wausau, WI area is Associated Bank, with a larger market share of 10.4%. Associated Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Wausau, 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 Wausau, WI is University of Wisconsin 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 US 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 USAA. 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 Wausau, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| University of Wisconsin Credit Union | -0.17% | 2.89% | |
| First Federal Bank of Florida | -0.16% | 7.18% | |
| Incredible Bank | -0.16% | 6.63% | |
| Prevail Bank | -0.12% | 3.64% | |
| Peoples State Bank | -0.10% | 6.85% | |
| Royal Credit Union | -0.08% | 3.31% | |
| Associated Bank | -0.08% | 10.43% | |
| Prosperity Home Mortgage LLC | -0.06% | 2.11% | |
| Old National Bank | -0.01% | 1.79% | |
| USAA | -0.01% | 1.69% | |
| US Bank | 0.00% | 10.04% | |
| Nicolet National Bank | 0.01% | 3.80% | |
| Wells Fargo Bank | 0.01% | 2.47% | |
| Guaranteed Rate | 0.02% | 1.27% | |
| First Centennial Mortgage | 0.04% | 1.43% | |
| BMO Harris | 0.06% | 1.46% | |
| GSF Mortgage Corporation | 0.08% | 2.11% | |
| Waterstone Mortgage Corporation | 0.08% | 4.03% | |
| Fairway Independent Mortgage Corporation | 0.08% | 2.70% | |
| loanDepot | 0.09% | 1.27% | |
| JPMorgan Chase Bank | 0.09% | 1.62% | |
| AnnieMac Home Mortgage | 0.14% | 1.40% | |
| CoVantage Credit Union | 0.16% | 1.62% | |
| Quicken Loans | 0.16% | 9.03% | |
| Inlanta Mortgage | 0.21% | 9.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| University of Wisconsin Credit Union | -0.18% | 2.51% | |
| First Federal Bank of Florida | -0.15% | 6.09% | |
| Incredible Bank | -0.12% | 4.30% | |
| Associated Bank | -0.12% | 10.72% | |
| Prosperity Home Mortgage LLC | -0.08% | 3.46% | |
| Royal Credit Union | -0.07% | 2.23% | |
| Peoples State Bank | -0.07% | 6.25% | |
| US Bank | -0.06% | 9.60% | |
| Prevail Bank | -0.04% | 2.07% | |
| Old National Bank | -0.03% | 1.68% | |
| Wells Fargo Bank | -0.02% | 3.02% | |
| USAA | -0.02% | 2.40% | |
| CoVantage Credit Union | -0.02% | 0.61% | |
| Nicolet National Bank | -0.01% | 3.29% | |
| Guaranteed Rate | 0.01% | 1.90% | |
| loanDepot | 0.01% | 0.39% | |
| First Centennial Mortgage | 0.03% | 2.07% | |
| BMO Harris | 0.04% | 1.62% | |
| JPMorgan Chase Bank | 0.05% | 1.62% | |
| Waterstone Mortgage Corporation | 0.07% | 6.09% | |
| Fairway Independent Mortgage Corporation | 0.07% | 3.74% | |
| Quicken Loans | 0.07% | 5.47% | |
| GSF Mortgage Corporation | 0.08% | 3.02% | |
| AnnieMac Home Mortgage | 0.16% | 1.90% | |
| Inlanta Mortgage | 0.21% | 13.96% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Federal Bank of Florida | -0.17% | 8.70% | |
| Incredible Bank | -0.17% | 9.86% | |
| Prevail Bank | -0.15% | 5.82% | |
| University of Wisconsin Credit Union | -0.15% | 3.42% | |
| Peoples State Bank | -0.14% | 7.69% | |
| Royal Credit Union | -0.07% | 4.81% | |
| Associated Bank | -0.02% | 10.02% | |
| USAA | 0.02% | 0.70% | |
| Old National Bank | 0.02% | 1.94% | |
| Nicolet National Bank | 0.02% | 4.50% | |
| GSF Mortgage Corporation | 0.02% | 0.85% | |
| Prosperity Home Mortgage LLC | 0.03% | 0.23% | |
| First Centennial Mortgage | 0.03% | 0.54% | |
| Guaranteed Rate | 0.05% | 0.39% | |
| AnnieMac Home Mortgage | 0.06% | 0.70% | |
| Wells Fargo Bank | 0.08% | 1.71% | |
| Inlanta Mortgage | 0.08% | 2.72% | |
| Waterstone Mortgage Corporation | 0.08% | 1.16% | |
| Fairway Independent Mortgage Corporation | 0.08% | 1.24% | |
| US Bank | 0.08% | 10.64% | |
| BMO Harris | 0.10% | 1.24% | |
| loanDepot | 0.12% | 2.48% | |
| JPMorgan Chase Bank | 0.15% | 1.63% | |
| CoVantage Credit Union | 0.22% | 3.03% | |
| Quicken Loans | 0.22% | 13.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| University of Wisconsin Credit Union | -0.16% | 3.44% | |
| First Federal Bank of Florida | -0.16% | 8.65% | |
| Incredible Bank | -0.15% | 8.06% | |
| Prevail Bank | -0.11% | 4.42% | |
| Peoples State Bank | -0.10% | 8.10% | |
| Prosperity Home Mortgage LLC | -0.08% | 1.82% | |
| Associated Bank | -0.07% | 12.12% | |
| Royal Credit Union | -0.07% | 4.03% | |
| Old National Bank | 0.00% | 2.13% | |
| Nicolet National Bank | 0.01% | 4.58% | |
| US Bank | 0.02% | 10.66% | |
| Wells Fargo Bank | 0.02% | 2.92% | |
| Guaranteed Rate | 0.04% | 1.03% | |
| First Centennial Mortgage | 0.05% | 0.75% | |
| USAA | 0.05% | 0.55% | |
| BMO Harris | 0.08% | 1.58% | |
| GSF Mortgage Corporation | 0.08% | 1.54% | |
| Fairway Independent Mortgage Corporation | 0.09% | 2.05% | |
| JPMorgan Chase Bank | 0.10% | 1.94% | |
| AnnieMac Home Mortgage | 0.11% | 0.87% | |
| loanDepot | 0.13% | 0.71% | |
| Waterstone Mortgage Corporation | 0.14% | 2.13% | |
| CoVantage Credit Union | 0.17% | 1.97% | |
| Inlanta Mortgage | 0.25% | 7.54% | |
| Quicken Loans | 0.29% | 6.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| University of Wisconsin Credit Union | -0.18% | 3.11% | |
| First Federal Bank of Florida | -0.14% | 7.89% | |
| Incredible Bank | -0.11% | 5.58% | |
| Associated Bank | -0.11% | 12.96% | |
| Prosperity Home Mortgage LLC | -0.09% | 3.19% | |
| Royal Credit Union | -0.06% | 2.90% | |
| Peoples State Bank | -0.06% | 7.82% | |
| US Bank | -0.04% | 9.99% | |
| Prevail Bank | -0.03% | 2.68% | |
| Old National Bank | -0.02% | 2.10% | |
| Wells Fargo Bank | -0.01% | 3.77% | |
| CoVantage Credit Union | -0.01% | 0.80% | |
| Nicolet National Bank | 0.01% | 4.27% | |
| loanDepot | 0.02% | 0.29% | |
| Guaranteed Rate | 0.03% | 1.59% | |
| USAA | 0.05% | 0.87% | |
| First Centennial Mortgage | 0.06% | 0.94% | |
| JPMorgan Chase Bank | 0.06% | 2.03% | |
| BMO Harris | 0.06% | 1.74% | |
| GSF Mortgage Corporation | 0.08% | 2.68% | |
| Fairway Independent Mortgage Corporation | 0.08% | 3.11% | |
| AnnieMac Home Mortgage | 0.12% | 1.16% | |
| Waterstone Mortgage Corporation | 0.14% | 3.40% | |
| Quicken Loans | 0.19% | 3.19% | |
| Inlanta Mortgage | 0.27% | 11.95% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First Federal Bank of Florida | -0.17% | 9.56% | |
| Incredible Bank | -0.16% | 11.03% | |
| Prevail Bank | -0.15% | 6.52% | |
| University of Wisconsin Credit Union | -0.14% | 3.82% | |
| Peoples State Bank | -0.14% | 8.43% | |
| Royal Credit Union | -0.07% | 5.39% | |
| Associated Bank | -0.01% | 11.12% | |
| Old National Bank | 0.02% | 2.17% | |
| Nicolet National Bank | 0.02% | 4.95% | |
| Prosperity Home Mortgage LLC | 0.03% | 0.17% | |
| First Centennial Mortgage | 0.04% | 0.52% | |
| GSF Mortgage Corporation | 0.04% | 0.17% | |
| USAA | 0.05% | 0.17% | |
| Guaranteed Rate | 0.06% | 0.35% | |
| AnnieMac Home Mortgage | 0.07% | 0.52% | |
| Wells Fargo Bank | 0.08% | 1.91% | |
| Waterstone Mortgage Corporation | 0.08% | 0.61% | |
| US Bank | 0.08% | 11.47% | |
| Inlanta Mortgage | 0.09% | 2.26% | |
| BMO Harris | 0.10% | 1.39% | |
| Fairway Independent Mortgage Corporation | 0.10% | 0.78% | |
| JPMorgan Chase Bank | 0.15% | 1.82% | |
| loanDepot | 0.17% | 1.22% | |
| CoVantage Credit Union | 0.22% | 3.39% | |
| Quicken Loans | 0.34% | 10.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.17% | 5.29% | |
| Associated Bank | -0.11% | 1.39% | |
| Quicken Loans | -0.08% | 21.45% | |
| University of Wisconsin Credit Union | -0.06% | 0.56% | |
| Prosperity Home Mortgage LLC | -0.05% | 3.62% | |
| BMO Harris | -0.05% | 1.11% | |
| Guaranteed Rate | -0.04% | 2.79% | |
| Wells Fargo Bank | -0.03% | 0.28% | |
| Old National Bank | -0.03% | 0.28% | |
| First Centennial Mortgage | -0.02% | 5.01% | |
| loanDepot | -0.01% | 2.51% | |
| Waterstone Mortgage Corporation | -0.00% | 17.55% | |
| Fairway Independent Mortgage Corporation | 0.01% | 5.01% | |
| GSF Mortgage Corporation | 0.04% | 6.13% | |
| Inlanta Mortgage | 0.10% | 21.17% | |
| AnnieMac Home Mortgage | 0.14% | 5.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.19% | 6.50% | |
| Associated Bank | -0.12% | 1.81% | |
| Quicken Loans | -0.09% | 12.64% | |
| University of Wisconsin Credit Union | -0.07% | 0.72% | |
| Prosperity Home Mortgage LLC | -0.06% | 4.33% | |
| loanDepot | -0.06% | 0.36% | |
| BMO Harris | -0.06% | 1.44% | |
| Guaranteed Rate | -0.06% | 3.61% | |
| Wells Fargo Bank | -0.04% | 0.36% | |
| Old National Bank | -0.04% | 0.36% | |
| First Centennial Mortgage | -0.03% | 6.14% | |
| Waterstone Mortgage Corporation | -0.02% | 20.58% | |
| Fairway Independent Mortgage Corporation | 0.01% | 4.69% | |
| GSF Mortgage Corporation | 0.08% | 5.05% | |
| Inlanta Mortgage | 0.10% | 24.91% | |
| AnnieMac Home Mortgage | 0.15% | 6.50% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.03% | 51.22% | |
| GSF Mortgage Corporation | -0.00% | 9.76% | |
| Prosperity Home Mortgage LLC | 0.01% | 1.22% | |
| US Bank | 0.01% | 1.22% | |
| First Centennial Mortgage | 0.01% | 1.22% | |
| AnnieMac Home Mortgage | 0.02% | 3.66% | |
| loanDepot | 0.04% | 9.76% | |
| Fairway Independent Mortgage Corporation | 0.04% | 6.10% | |
| Inlanta Mortgage | 0.04% | 8.54% | |
| Waterstone Mortgage Corporation | 0.07% | 7.32% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 33.33% | |
| Associated Bank | -0.01% | 6.67% | |
| Wells Fargo Bank | -0.00% | 6.67% | |
| Peoples State Bank | 0.01% | 40.00% | |
| Nicolet National Bank | 0.01% | 6.67% | |
| BMO Harris | 0.01% | 6.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 30.00% | |
| Associated Bank | -0.01% | 10.00% | |
| Wells Fargo Bank | -0.01% | 10.00% | |
| BMO Harris | 0.01% | 10.00% | |
| Peoples State Bank | 0.01% | 40.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.01% | 40.00% | |
| Peoples State Bank | 0.00% | 40.00% | |
| Nicolet National Bank | 0.01% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.05% | 21.97% | |
| US Bank | -0.04% | 8.67% | |
| Associated Bank | -0.04% | 4.62% | |
| Prosperity Home Mortgage LLC | -0.03% | 3.47% | |
| JPMorgan Chase Bank | -0.02% | 0.58% | |
| Guaranteed Rate | -0.00% | 1.73% | |
| Waterstone Mortgage Corporation | 0.00% | 4.05% | |
| First Federal Bank of Florida | 0.00% | 1.16% | |
| Quicken Loans | 0.02% | 22.54% | |
| Inlanta Mortgage | 0.03% | 10.40% | |
| GSF Mortgage Corporation | 0.03% | 2.31% | |
| First Centennial Mortgage | 0.03% | 4.05% | |
| loanDepot | 0.05% | 6.94% | |
| Fairway Independent Mortgage Corporation | 0.08% | 7.51% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.06% | 25.20% | |
| US Bank | -0.04% | 10.57% | |
| Associated Bank | -0.04% | 5.69% | |
| Prosperity Home Mortgage LLC | -0.03% | 4.88% | |
| JPMorgan Chase Bank | -0.02% | 0.81% | |
| Guaranteed Rate | 0.01% | 1.63% | |
| Waterstone Mortgage Corporation | 0.01% | 4.07% | |
| loanDepot | 0.02% | 1.63% | |
| First Centennial Mortgage | 0.03% | 5.69% | |
| Inlanta Mortgage | 0.03% | 13.01% | |
| Quicken Loans | 0.04% | 15.45% | |
| GSF Mortgage Corporation | 0.04% | 2.44% | |
| Fairway Independent Mortgage Corporation | 0.09% | 8.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.04% | 14.00% | |
| Guaranteed Rate | -0.02% | 2.00% | |
| Associated Bank | -0.02% | 2.00% | |
| GSF Mortgage Corporation | -0.02% | 2.00% | |
| Waterstone Mortgage Corporation | -0.02% | 4.00% | |
| Fairway Independent Mortgage Corporation | -0.01% | 4.00% | |
| Inlanta Mortgage | -0.01% | 4.00% | |
| Quicken Loans | -0.00% | 40.00% | |
| US Bank | -0.00% | 4.00% | |
| First Federal Bank of Florida | -0.00% | 4.00% | |
| loanDepot | 0.05% | 20.00% |
* Data is compiled for the Wausau, WI commuting zone area, which comprises of counties of Clark County, WI, Lincoln County, WI, Marathon County, WI, Portage County, WI, Taylor County, WI, and Wood County, WI. This includes cities/towns/communities of Wausau, WI as well as Stevens Point, WI, Weston, WI, Merrill, WI, Marshfield, WI, Plover, WI, Kronenwetter, WI, Wisconsin Rapids, WI, Rib Mountain, WI, Hatley, WI, Knowlton, WI, Mosinee, WI, Medford, WI, Tomahawk, WI, Marathon City, WI, Athens, WI, Spencer, WI, Rothschild, WI, Amherst, WI, Bancroft, WI, Brokaw, WI, Lake Wazeecha, WI, Junction City, WI, Polonia, WI, Elderon, WI, Port Edwards, WI, Humbird, WI, Auburndale, WI, Rib Lake, WI, Stetsonville, WI, Nekoosa, WI, Neillsville, WI, Abbotsford, WI, Stratford, WI, Schofield, WI, Gilman, WI, Greenwood, WI, Loyal, WI, Vesper, WI, Thorp, WI, Granton, WI, Owen, WI, Pittsville, WI, Chelsea, WI, and Abbotsford, 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 Wausau, WI area. For mortgage lender rankings in other cities, click here.