Top Mortgage Lenders in La Crosse, WI

Which mortgage lender in the La Crosse, WI area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the La Crosse, WI area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the La Crosse, WI area is Merchants Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.07%. This means that Merchants Bank provided a -0.07% lower interest rate for its customers than other lenders in La Crosse, WI for a similar set of borrowers. Merchants Bank has a market share of 7.7%. On the other hand, the most popular lender in the market is Altra Federal Credit Union, with a market share of 44.3%. Altra Federal Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the La Crosse, 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 La Crosse, WI is Merchants Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Altra Federal Credit Union. The cheapest VA mortgage provider is Flagstar Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in La Crosse, WI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.07% 7.69%
Altra Federal Credit Union 2, -0.06% 44.25%
Royal Bank 3, -0.04% 1.69%
Flagstar Bank 4, -0.03% 1.62%
Associated Bank 5, -0.01% 4.60%
Verve a Credit Union 6, 0.00% 1.65%
Home Federal Savings Bank 7, 0.01% 1.29%
Us Bank 8, 0.05% 2.37%
Usaa Federal Savings Bank 9, 0.05% 1.54%
Bremer Bank 10, 0.05% 2.41%
Servion, Inc 11, 0.05% 10.74%
Wells Fargo Bank 12, 0.06% 2.62%
American Mortgage & Equity Consultants Inc 13, 0.07% 4.38%
Guaranteed Rate Inc 14, 0.09% 1.58%
Citizens State Bank of La Crosse 15, 0.10% 3.09%
Finance of America Mortgage 16, 0.14% 3.56%
Quicken Loans 17, 0.17% 4.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.05% 7.08%
Associated Bank 2, -0.05% 4.83%
Altra Federal Credit Union 3, -0.05% 38.33%
Royal Bank 4, -0.04% 1.70%
Home Federal Savings Bank 5, -0.03% 1.70%
Flagstar Bank 6, -0.03% 1.97%
Verve a Credit Union 7, -0.00% 1.02%
Us Bank 8, 0.01% 3.13%
Wells Fargo Bank 9, 0.02% 3.88%
Servion, Inc 10, 0.03% 9.26%
Bremer Bank 11, 0.04% 3.47%
Usaa Federal Savings Bank 12, 0.04% 2.59%
American Mortgage & Equity Consultants Inc 13, 0.06% 6.40%
Quicken Loans 14, 0.06% 3.13%
Guaranteed Rate Inc 15, 0.09% 2.52%
Citizens State Bank of La Crosse 16, 0.12% 2.93%
Finance of America Mortgage 17, 0.13% 6.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.08% 8.37%
Altra Federal Credit Union 2, -0.06% 50.87%
Royal Bank 3, -0.04% 1.67%
Flagstar Bank 4, -0.03% 1.22%
Verve a Credit Union 5, 0.01% 2.36%
Associated Bank 6, 0.03% 4.33%
Guaranteed Rate Inc 7, 0.05% 0.53%
Usaa Federal Savings Bank 8, 0.06% 0.38%
Bremer Bank 9, 0.07% 1.22%
Citizens State Bank of La Crosse 10, 0.07% 3.27%
Home Federal Savings Bank 11, 0.07% 0.84%
Servion, Inc 12, 0.08% 12.40%
American Mortgage & Equity Consultants Inc 13, 0.08% 2.13%
Finance of America Mortgage 14, 0.09% 0.76%
Us Bank 15, 0.11% 1.52%
Wells Fargo Bank 16, 0.16% 1.22%
Quicken Loans 17, 0.24% 6.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.07% 8.72%
Altra Federal Credit Union 2, -0.05% 49.42%
Royal Bank 3, -0.03% 1.96%
Associated Bank 4, -0.01% 5.09%
Verve a Credit Union 5, 0.01% 1.92%
Home Federal Savings Bank 6, 0.01% 1.42%
Us Bank 7, 0.05% 2.50%
Bremer Bank 8, 0.06% 2.13%
Flagstar Bank 9, 0.06% 0.21%
Servion, Inc 10, 0.06% 11.52%
Wells Fargo Bank 11, 0.07% 2.71%
Usaa Federal Savings Bank 12, 0.09% 0.29%
Citizens State Bank of La Crosse 13, 0.10% 3.59%
American Mortgage & Equity Consultants Inc 14, 0.12% 2.09%
Guaranteed Rate Inc 15, 0.13% 1.00%
Finance of America Mortgage 16, 0.13% 2.21%
Quicken Loans 17, 0.29% 3.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.05% 8.53%
Associated Bank 2, -0.04% 5.80%
Altra Federal Credit Union 3, -0.04% 44.50%
Royal Bank 4, -0.03% 2.13%
Home Federal Savings Bank 5, -0.03% 1.96%
Verve a Credit Union 6, 0.00% 1.28%
Us Bank 7, 0.02% 3.58%
Wells Fargo Bank 8, 0.03% 4.18%
Servion, Inc 9, 0.05% 10.14%
Bremer Bank 10, 0.05% 2.98%
Flagstar Bank 11, 0.05% 0.34%
Usaa Federal Savings Bank 12, 0.08% 0.60%
American Mortgage & Equity Consultants Inc 13, 0.11% 3.07%
Finance of America Mortgage 14, 0.13% 3.84%
Guaranteed Rate Inc 15, 0.13% 1.71%
Citizens State Bank of La Crosse 16, 0.13% 3.67%
Quicken Loans 17, 0.13% 1.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Merchants Bank 1, -0.08% 8.91%
Altra Federal Credit Union 2, -0.06% 54.13%
Royal Bank 3, -0.03% 1.80%
Verve a Credit Union 4, 0.01% 2.53%
Associated Bank 5, 0.03% 4.42%
Flagstar Bank 6, 0.06% 0.08%
Bremer Bank 7, 0.07% 1.31%
Citizens State Bank of La Crosse 8, 0.07% 3.52%
Home Federal Savings Bank 9, 0.07% 0.90%
Guaranteed Rate Inc 10, 0.08% 0.33%
Servion, Inc 11, 0.08% 12.84%
Finance of America Mortgage 12, 0.10% 0.65%
Us Bank 13, 0.12% 1.47%
American Mortgage & Equity Consultants Inc 14, 0.13% 1.14%
Wells Fargo Bank 15, 0.16% 1.31%
Quicken Loans 16, 0.35% 4.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Altra Federal Credit Union 1, -0.11% 10.92%
Flagstar Bank 2, -0.09% 6.90%
Servion, Inc 3, -0.04% 2.87%
Quicken Loans 4, -0.04% 17.82%
Wells Fargo Bank 5, -0.03% 0.57%
Bremer Bank 6, -0.03% 2.30%
American Mortgage & Equity Consultants Inc 7, -0.02% 26.44%
Merchants Bank 8, -0.02% 0.57%
Home Federal Savings Bank 9, -0.01% 0.57%
Us Bank 10, -0.01% 0.57%
Guaranteed Rate Inc 11, 0.04% 6.90%
Finance of America Mortgage 12, 0.13% 23.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Altra Federal Credit Union 1, -0.12% 12.41%
Flagstar Bank 2, -0.10% 7.59%
Servion, Inc 3, -0.05% 3.45%
Quicken Loans 4, -0.04% 8.97%
Wells Fargo Bank 5, -0.04% 0.69%
American Mortgage & Equity Consultants Inc 6, -0.03% 26.90%
Bremer Bank 7, -0.03% 2.76%
Merchants Bank 8, -0.02% 0.69%
Home Federal Savings Bank 9, -0.02% 0.69%
Us Bank 10, -0.01% 0.69%
Guaranteed Rate Inc 11, 0.04% 7.59%
Finance of America Mortgage 12, 0.13% 27.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 62.07%
Guaranteed Rate Inc 2, -0.00% 3.45%
Altra Federal Credit Union 3, 0.00% 3.45%
Finance of America Mortgage 4, 0.03% 3.45%
American Mortgage & Equity Consultants Inc 5, 0.03% 24.14%
Flagstar Bank 6, 0.03% 3.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 6.25%
Bremer Bank 2, -0.01% 18.75%
Associated Bank 3, -0.00% 6.25%
Altra Federal Credit Union 4, 0.00% 31.25%
Us Bank 5, 0.00% 25.00%
Merchants Bank 6, 0.02% 12.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 11.11%
Bremer Bank 2, -0.01% 33.33%
Altra Federal Credit Union 3, 0.00% 11.11%
Us Bank 4, 0.00% 22.22%
Merchants Bank 5, 0.02% 22.22%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.00% 14.29%
Altra Federal Credit Union 2, -0.00% 57.14%
Us Bank 3, 0.00% 28.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.07% 14.14%
Servion, Inc 2, -0.03% 9.09%
Wells Fargo Bank 3, -0.03% 3.03%
Associated Bank 4, -0.02% 2.53%
Merchants Bank 5, -0.01% 1.01%
Guaranteed Rate Inc 6, -0.01% 4.04%
Us Bank 7, -0.00% 0.51%
Home Federal Savings Bank 8, -0.00% 0.51%
Usaa Federal Savings Bank 9, 0.01% 18.18%
Finance of America Mortgage 10, 0.01% 2.53%
Altra Federal Credit Union 11, 0.01% 12.12%
Bremer Bank 12, 0.02% 4.55%
Quicken Loans 13, 0.03% 14.65%
American Mortgage & Equity Consultants Inc 14, 0.04% 13.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.05% 9.86%
Servion, Inc 2, -0.04% 8.45%
Wells Fargo Bank 3, -0.03% 4.23%
Associated Bank 4, -0.03% 2.11%
Merchants Bank 5, -0.03% 0.70%
Us Bank 6, -0.01% 0.70%
Guaranteed Rate Inc 7, -0.01% 4.23%
Home Federal Savings Bank 8, -0.01% 0.70%
Usaa Federal Savings Bank 9, 0.00% 21.83%
Altra Federal Credit Union 10, 0.01% 15.49%
Finance of America Mortgage 11, 0.01% 2.82%
Bremer Bank 12, 0.01% 6.34%
Quicken Loans 13, 0.01% 9.15%
American Mortgage & Equity Consultants Inc 14, 0.06% 13.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.08% 25.00%
American Mortgage & Equity Consultants Inc 2, -0.01% 12.50%
Guaranteed Rate Inc 3, -0.01% 3.57%
Associated Bank 4, 0.00% 3.57%
Servion, Inc 5, 0.00% 10.71%
Merchants Bank 6, 0.02% 1.79%
Altra Federal Credit Union 7, 0.02% 3.57%
Finance of America Mortgage 8, 0.02% 1.79%
Usaa Federal Savings Bank 9, 0.03% 8.93%
Quicken Loans 10, 0.06% 28.57%

* Data is compiled for the La Crosse, WI commuting zone area, which comprises of counties of Houston County, MN, La Crosse County, WI, Monroe County, WI, and Vernon County, WI. This includes cities/towns/communities of La Crosse, WI as well as Holmen, WI, Onalaska, WI, La Crescent, MN, Tomah, WI, Bangor, WI, Sparta, WI, West Salem, WI, French Island, WI, Warrens, WI, Cataract, WI, Hokah, MN, Cashton, WI, Brice Prairie, WI, St. Joseph, WI, Stoddard, WI, Coon Valley, WI, Caledonia, MN, Westby, WI, Eitzen, MN, Houston, MN, Kendall, WI, Norwalk, WI, Hillsboro, WI, La Farge, WI, Viroqua, WI, and Readstown, WI. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the La Crosse, WI area. For mortgage lender rankings of other cities, click here.