Top Mortgage Lenders in Madison, WI

Which mortgage lender in the Madison, 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 Madison, 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 Madison, WI area is University of Wisconsin Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.17%. This means that University of Wisconsin Credit Union provided a -0.17% lower interest rate for its customers than other lenders in Madison, WI for a similar set of borrowers. University of Wisconsin Credit Union has a market share of 16.7%. On the other hand, the most popular lender in the market is Summit Credit Union, with a market share of 18.0%. Summit Credit Union is an average rate lender in this area, with a “Rate Difference” of -0.11% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Madison, 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 Madison, WI is University of Wisconsin Credit Union. 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 Us Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is HomeBridge Financial Services, Inc. The cheapest VA mortgage provider is Caliber Home Loans Inc. 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 Madison, WI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.17% 16.74%
The Park Bank 2, -0.13% 2.59%
Summit Credit Union 3, -0.11% 17.96%
Citizens Bank 4, -0.07% 0.48%
State Bank of Cross Plains 5, -0.06% 3.00%
Prosperity Home Mortgage 6, -0.05% 1.71%
HomeBridge Financial Services, Inc 7, -0.05% 0.35%
Caliber Home Loans Inc 8, -0.03% 0.75%
Royal Bank 9, -0.03% 1.15%
Blackhawk Community Credit Union 10, -0.02% 0.36%
Incrediblebank 11, -0.01% 0.29%
First Bank Financial Centre 12, -0.00% 0.56%
Great Midwest Bank SSB 13, -0.00% 0.59%
Johnson Bank 14, 0.00% 2.32%
Bank of America 15, 0.02% 0.24%
Heartland Credit Union 16, 0.02% 1.28%
Landmark Credit Union 17, 0.02% 0.41%
Starion Bank 18, 0.02% 0.26%
Associated Bank 19, 0.03% 2.81%
Flagstar Bank 20, 0.03% 0.63%
Old National Bank 21, 0.03% 2.66%
Newrez 22, 0.03% 0.38%
Home Point Financial Corporation 23, 0.04% 0.61%
A+ Mortgage Services, Inc 24, 0.04% 0.36%
GSF Mortgage Corporation 25, 0.04% 0.27%
Barrington Bank & Trust 26, 0.05% 3.26%
Navy Federal Credit Union 27, 0.06% 0.29%
Freedom Mortgage Corporation 28, 0.06% 0.27%
Usaa Federal Savings Bank 29, 0.06% 0.78%
Thompson Kane & Company 30, 0.07% 3.51%
Fairway Independent Mort Corp 31, 0.08% 11.05%
Carrington Mortgage Services 32, 0.08% 0.23%
First Centennial Mortgage Corp 33, 0.08% 0.45%
Cardinal Financial Company LP 34, 0.08% 0.32%
Ditech Financial 35, 0.08% 0.27%
LoanDepot 36, 0.09% 0.75%
Guaranteed Rate Inc 37, 0.09% 0.66%
Cornerstone Home Lending, Inc 38, 0.10% 0.71%
American Mortgage & Equity Consultants Inc 39, 0.10% 0.69%
Us Bank 40, 0.10% 2.69%
Gateway First Bank 41, 0.11% 0.26%
JPMorgan Chase Bank 42, 0.13% 1.46%
Nationstar Mortgage 43, 0.14% 0.32%
Primelending 44, 0.14% 0.74%
Inlanta Mortgage 45, 0.15% 1.87%
BMO Harris Bank 46, 0.15% 0.86%
Wells Fargo Bank 47, 0.17% 2.93%
Guild Mortgage Company 48, 0.23% 2.52%
Compeer Financial ACA 49, 0.30% 0.53%
Quicken Loans 50, 0.31% 3.83%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.15% 16.45%
Summit Credit Union 2, -0.12% 13.86%
State Bank of Cross Plains 3, -0.08% 2.90%
Citizens Bank 4, -0.08% 0.41%
Prosperity Home Mortgage 5, -0.08% 2.66%
The Park Bank 6, -0.05% 1.67%
Heartland Credit Union 7, -0.05% 1.14%
Blackhawk Community Credit Union 8, -0.05% 0.30%
Royal Bank 9, -0.04% 1.00%
Bank of America 10, -0.02% 0.27%
Newrez 11, -0.01% 0.19%
Us Bank 12, -0.01% 2.79%
Landmark Credit Union 13, -0.00% 0.41%
Johnson Bank 14, -0.00% 2.26%
Starion Bank 15, -0.00% 0.31%
Flagstar Bank 16, -0.00% 0.76%
Caliber Home Loans Inc 17, -0.00% 0.50%
Old National Bank 18, 0.01% 2.30%
Associated Bank 19, 0.01% 2.77%
Freedom Mortgage Corporation 20, 0.01% 0.19%
Great Midwest Bank SSB 21, 0.01% 0.49%
First Bank Financial Centre 22, 0.02% 0.46%
Carrington Mortgage Services 23, 0.02% 0.03%
Incrediblebank 24, 0.02% 0.19%
Ditech Financial 25, 0.03% 0.09%
HomeBridge Financial Services, Inc 26, 0.03% 0.06%
Nationstar Mortgage 27, 0.04% 0.11%
Barrington Bank & Trust 28, 0.04% 4.71%
First Centennial Mortgage Corp 29, 0.04% 0.57%
Home Point Financial Corporation 30, 0.05% 0.54%
A+ Mortgage Services, Inc 31, 0.05% 0.41%
Navy Federal Credit Union 32, 0.05% 0.49%
GSF Mortgage Corporation 33, 0.06% 0.26%
JPMorgan Chase Bank 34, 0.07% 1.72%
Wells Fargo Bank 35, 0.07% 3.12%
Usaa Federal Savings Bank 36, 0.07% 1.19%
Fairway Independent Mort Corp 37, 0.08% 12.89%
LoanDepot 38, 0.08% 0.39%
Cardinal Financial Company LP 39, 0.09% 0.41%
Thompson Kane & Company 40, 0.09% 4.69%
Guaranteed Rate Inc 41, 0.10% 1.02%
Cornerstone Home Lending, Inc 42, 0.10% 0.86%
Gateway First Bank 43, 0.12% 0.37%
BMO Harris Bank 44, 0.12% 1.07%
American Mortgage & Equity Consultants Inc 45, 0.12% 0.84%
Primelending 46, 0.15% 1.12%
Quicken Loans 47, 0.16% 2.00%
Inlanta Mortgage 48, 0.18% 2.45%
Guild Mortgage Company 49, 0.26% 3.95%
Compeer Financial ACA 50, 0.27% 0.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.19% 17.06%
The Park Bank 2, -0.16% 3.61%
Summit Credit Union 3, -0.10% 22.53%
Citizens Bank 4, -0.06% 0.54%
HomeBridge Financial Services, Inc 5, -0.05% 0.67%
Caliber Home Loans Inc 6, -0.04% 1.04%
State Bank of Cross Plains 7, -0.03% 3.11%
Incrediblebank 8, -0.02% 0.40%
Royal Bank 9, -0.01% 1.32%
First Bank Financial Centre 10, -0.01% 0.67%
Great Midwest Bank SSB 11, -0.01% 0.70%
Blackhawk Community Credit Union 12, 0.01% 0.43%
Johnson Bank 13, 0.01% 2.38%
Usaa Federal Savings Bank 14, 0.02% 0.32%
Thompson Kane & Company 15, 0.02% 2.19%
GSF Mortgage Corporation 16, 0.03% 0.29%
Guaranteed Rate Inc 17, 0.03% 0.26%
A+ Mortgage Services, Inc 18, 0.03% 0.30%
Navy Federal Credit Union 19, 0.03% 0.06%
Home Point Financial Corporation 20, 0.04% 0.69%
Landmark Credit Union 21, 0.04% 0.40%
Prosperity Home Mortgage 22, 0.05% 0.65%
Associated Bank 23, 0.05% 2.84%
Barrington Bank & Trust 24, 0.05% 1.64%
Newrez 25, 0.05% 0.61%
Old National Bank 26, 0.06% 3.06%
Gateway First Bank 27, 0.06% 0.13%
American Mortgage & Equity Consultants Inc 28, 0.06% 0.53%
Bank of America 29, 0.07% 0.21%
Fairway Independent Mort Corp 30, 0.07% 9.00%
Cardinal Financial Company LP 31, 0.07% 0.22%
Starion Bank 32, 0.07% 0.19%
Primelending 33, 0.08% 0.32%
Heartland Credit Union 34, 0.08% 1.44%
Flagstar Bank 35, 0.09% 0.48%
Cornerstone Home Lending, Inc 36, 0.09% 0.54%
Carrington Mortgage Services 37, 0.09% 0.46%
Inlanta Mortgage 38, 0.09% 1.23%
Freedom Mortgage Corporation 39, 0.09% 0.37%
LoanDepot 40, 0.10% 1.17%
Guild Mortgage Company 41, 0.10% 0.93%
Ditech Financial 42, 0.10% 0.48%
First Centennial Mortgage Corp 43, 0.14% 0.32%
Nationstar Mortgage 44, 0.16% 0.56%
BMO Harris Bank 45, 0.21% 0.62%
Us Bank 46, 0.23% 2.57%
JPMorgan Chase Bank 47, 0.24% 1.17%
Wells Fargo Bank 48, 0.29% 2.73%
Compeer Financial ACA 49, 0.33% 0.70%
Quicken Loans 50, 0.37% 5.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.17% 18.71%
The Park Bank 2, -0.13% 2.84%
Summit Credit Union 3, -0.11% 20.18%
Citizens Bank 4, -0.07% 0.53%
State Bank of Cross Plains 5, -0.06% 3.16%
Prosperity Home Mortgage 6, -0.05% 1.56%
Royal Bank 7, -0.02% 1.30%
Blackhawk Community Credit Union 8, -0.01% 0.41%
Incrediblebank 9, -0.00% 0.32%
Great Midwest Bank SSB 10, 0.00% 0.61%
First Bank Financial Centre 11, 0.00% 0.60%
Johnson Bank 12, 0.01% 2.55%
Bank of America 13, 0.02% 0.20%
Heartland Credit Union 14, 0.02% 1.44%
Landmark Credit Union 15, 0.02% 0.46%
Starion Bank 16, 0.03% 0.29%
Associated Bank 17, 0.03% 2.96%
Old National Bank 18, 0.04% 2.71%
A+ Mortgage Services, Inc 19, 0.05% 0.40%
GSF Mortgage Corporation 20, 0.05% 0.27%
HomeBridge Financial Services, Inc 21, 0.05% 0.08%
Home Point Financial Corporation 22, 0.06% 0.47%
Newrez 23, 0.06% 0.25%
Cardinal Financial Company LP 24, 0.06% 0.13%
Caliber Home Loans Inc 25, 0.07% 0.22%
Barrington Bank & Trust 26, 0.07% 2.92%
Fairway Independent Mort Corp 27, 0.08% 10.48%
Carrington Mortgage Services 28, 0.08% 0.11%
Thompson Kane & Company 29, 0.08% 3.26%
Guaranteed Rate Inc 30, 0.09% 0.45%
Flagstar Bank 31, 0.10% 0.36%
LoanDepot 32, 0.11% 0.59%
Cornerstone Home Lending, Inc 33, 0.11% 0.70%
Us Bank 34, 0.12% 2.71%
Gateway First Bank 35, 0.12% 0.17%
Freedom Mortgage Corporation 36, 0.12% 0.13%
First Centennial Mortgage Corp 37, 0.12% 0.31%
Ditech Financial 38, 0.13% 0.20%
American Mortgage & Equity Consultants Inc 39, 0.14% 0.49%
JPMorgan Chase Bank 40, 0.15% 1.46%
Primelending 41, 0.15% 0.75%
Navy Federal Credit Union 42, 0.16% 0.15%
Usaa Federal Savings Bank 43, 0.17% 0.31%
BMO Harris Bank 44, 0.17% 0.87%
Inlanta Mortgage 45, 0.17% 1.84%
Wells Fargo Bank 46, 0.19% 3.02%
Nationstar Mortgage 47, 0.24% 0.13%
Guild Mortgage Company 48, 0.28% 2.25%
Compeer Financial ACA 49, 0.33% 0.54%
Quicken Loans 50, 0.40% 3.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.14% 18.68%
Summit Credit Union 2, -0.12% 15.91%
State Bank of Cross Plains 3, -0.09% 3.14%
Citizens Bank 4, -0.08% 0.48%
Prosperity Home Mortgage 5, -0.08% 2.43%
The Park Bank 6, -0.05% 1.84%
Heartland Credit Union 7, -0.05% 1.31%
Blackhawk Community Credit Union 8, -0.04% 0.34%
Royal Bank 9, -0.04% 1.15%
Bank of America 10, -0.02% 0.25%
Newrez 11, -0.01% 0.11%
Us Bank 12, -0.00% 2.79%
Landmark Credit Union 13, -0.00% 0.48%
Johnson Bank 14, 0.00% 2.59%
Starion Bank 15, 0.00% 0.36%
Old National Bank 16, 0.01% 2.30%
Associated Bank 17, 0.01% 2.94%
Great Midwest Bank SSB 18, 0.02% 0.49%
First Bank Financial Centre 19, 0.02% 0.49%
Incrediblebank 20, 0.03% 0.21%
Ditech Financial 21, 0.03% 0.07%
Nationstar Mortgage 22, 0.03% 0.02%
Carrington Mortgage Services 23, 0.04% 0.02%
A+ Mortgage Services, Inc 24, 0.05% 0.46%
Cardinal Financial Company LP 25, 0.06% 0.21%
Home Point Financial Corporation 26, 0.06% 0.44%
GSF Mortgage Corporation 27, 0.07% 0.23%
Barrington Bank & Trust 28, 0.08% 4.09%
Flagstar Bank 29, 0.08% 0.36%
JPMorgan Chase Bank 30, 0.08% 1.74%
First Centennial Mortgage Corp 31, 0.08% 0.34%
Wells Fargo Bank 32, 0.08% 3.12%
Caliber Home Loans Inc 33, 0.08% 0.18%
Fairway Independent Mort Corp 34, 0.09% 12.05%
Freedom Mortgage Corporation 35, 0.09% 0.08%
LoanDepot 36, 0.09% 0.28%
Thompson Kane & Company 37, 0.10% 4.38%
Guaranteed Rate Inc 38, 0.10% 0.62%
Cornerstone Home Lending, Inc 39, 0.12% 0.82%
Gateway First Bank 40, 0.13% 0.26%
BMO Harris Bank 41, 0.13% 1.13%
American Mortgage & Equity Consultants Inc 42, 0.15% 0.66%
Navy Federal Credit Union 43, 0.16% 0.28%
Primelending 44, 0.17% 1.15%
Usaa Federal Savings Bank 45, 0.18% 0.51%
Inlanta Mortgage 46, 0.20% 2.46%
Quicken Loans 47, 0.22% 1.69%
Compeer Financial ACA 48, 0.30% 0.38%
Guild Mortgage Company 49, 0.30% 3.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.19% 18.75%
The Park Bank 2, -0.16% 3.91%
Summit Credit Union 3, -0.09% 24.75%
Citizens Bank 4, -0.06% 0.60%
State Bank of Cross Plains 5, -0.03% 3.19%
Incrediblebank 6, -0.01% 0.44%
Royal Bank 7, -0.01% 1.46%
First Bank Financial Centre 8, -0.01% 0.72%
Great Midwest Bank SSB 9, -0.01% 0.74%
Blackhawk Community Credit Union 10, 0.01% 0.47%
Johnson Bank 11, 0.01% 2.51%
Thompson Kane & Company 12, 0.03% 2.05%
Guaranteed Rate Inc 13, 0.03% 0.26%
GSF Mortgage Corporation 14, 0.03% 0.32%
A+ Mortgage Services, Inc 15, 0.04% 0.33%
Landmark Credit Union 16, 0.05% 0.44%
Prosperity Home Mortgage 17, 0.05% 0.63%
Navy Federal Credit Union 18, 0.05% 0.02%
Barrington Bank & Trust 19, 0.05% 1.67%
Associated Bank 20, 0.05% 2.98%
HomeBridge Financial Services, Inc 21, 0.06% 0.16%
Home Point Financial Corporation 22, 0.06% 0.49%
Caliber Home Loans Inc 23, 0.06% 0.26%
Old National Bank 24, 0.06% 3.16%
Cardinal Financial Company LP 25, 0.07% 0.04%
Fairway Independent Mort Corp 26, 0.07% 8.81%
Starion Bank 27, 0.07% 0.21%
Usaa Federal Savings Bank 28, 0.07% 0.11%
Gateway First Bank 29, 0.08% 0.07%
Primelending 30, 0.08% 0.33%
Heartland Credit Union 31, 0.08% 1.58%
Bank of America 32, 0.09% 0.16%
Newrez 33, 0.09% 0.40%
Carrington Mortgage Services 34, 0.09% 0.21%
Cornerstone Home Lending, Inc 35, 0.09% 0.56%
Inlanta Mortgage 36, 0.10% 1.18%
American Mortgage & Equity Consultants Inc 37, 0.11% 0.32%
Flagstar Bank 38, 0.12% 0.37%
LoanDepot 39, 0.12% 0.93%
Guild Mortgage Company 40, 0.12% 0.72%
Freedom Mortgage Corporation 41, 0.14% 0.18%
Ditech Financial 42, 0.16% 0.33%
First Centennial Mortgage Corp 43, 0.18% 0.26%
BMO Harris Bank 44, 0.25% 0.58%
Us Bank 45, 0.25% 2.62%
JPMorgan Chase Bank 46, 0.27% 1.16%
Nationstar Mortgage 47, 0.27% 0.25%
Wells Fargo Bank 48, 0.30% 2.91%
Compeer Financial ACA 49, 0.35% 0.72%
Quicken Loans 50, 0.47% 4.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.11% 3.68%
Prosperity Home Mortgage 2, -0.11% 3.83%
Caliber Home Loans Inc 3, -0.09% 5.89%
Flagstar Bank 4, -0.09% 2.65%
Barrington Bank & Trust 5, -0.07% 5.89%
Associated Bank 6, -0.05% 1.33%
Us Bank 7, -0.04% 1.47%
Ditech Financial 8, -0.03% 0.74%
Freedom Mortgage Corporation 9, -0.02% 2.21%
Newrez 10, -0.02% 1.47%
Navy Federal Credit Union 11, -0.01% 0.15%
Bank of America 12, -0.01% 0.15%
Old National Bank 13, -0.01% 1.18%
Home Point Financial Corporation 14, -0.01% 1.62%
University of Wisconsin Credit Union 15, -0.01% 0.88%
First Centennial Mortgage Corp 16, -0.01% 2.95%
A+ Mortgage Services, Inc 17, -0.01% 0.15%
Quicken Loans 18, -0.00% 11.78%
American Mortgage & Equity Consultants Inc 19, -0.00% 2.80%
Cornerstone Home Lending, Inc 20, -0.00% 1.18%
Thompson Kane & Company 21, 0.00% 6.92%
First Bank Financial Centre 22, 0.00% 0.44%
Wells Fargo Bank 23, 0.01% 0.29%
Primelending 24, 0.01% 0.29%
BMO Harris Bank 25, 0.03% 0.15%
GSF Mortgage Corporation 26, 0.03% 0.29%
Inlanta Mortgage 27, 0.03% 2.65%
LoanDepot 28, 0.04% 1.91%
Nationstar Mortgage 29, 0.05% 2.95%
Fairway Independent Mort Corp 30, 0.05% 15.32%
Guild Mortgage Company 31, 0.07% 5.89%
Carrington Mortgage Services 32, 0.07% 1.91%
Cardinal Financial Company LP 33, 0.08% 3.39%
Guaranteed Rate Inc 34, 0.09% 4.27%
Gateway First Bank 35, 0.09% 1.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Home Mortgage 1, -0.13% 5.18%
Flagstar Bank 2, -0.10% 3.83%
Caliber Home Loans Inc 3, -0.10% 3.15%
Barrington Bank & Trust 4, -0.08% 8.56%
Freedom Mortgage Corporation 5, -0.06% 1.58%
Associated Bank 6, -0.06% 1.80%
Us Bank 7, -0.05% 2.03%
Quicken Loans 8, -0.02% 5.63%
Navy Federal Credit Union 9, -0.02% 0.23%
University of Wisconsin Credit Union 10, -0.02% 1.13%
Bank of America 11, -0.02% 0.23%
Old National Bank 12, -0.02% 1.80%
First Centennial Mortgage Corp 13, -0.01% 4.05%
Home Point Financial Corporation 14, -0.01% 1.35%
Carrington Mortgage Services 15, -0.01% 0.23%
A+ Mortgage Services, Inc 16, -0.01% 0.23%
Cornerstone Home Lending, Inc 17, -0.01% 1.58%
Newrez 18, -0.01% 0.23%
Thompson Kane & Company 19, -0.01% 8.78%
First Bank Financial Centre 20, -0.00% 0.45%
Wells Fargo Bank 21, 0.00% 0.45%
Nationstar Mortgage 22, 0.01% 1.13%
Primelending 23, 0.01% 0.45%
HomeBridge Financial Services, Inc 24, 0.01% 0.68%
BMO Harris Bank 25, 0.02% 0.23%
American Mortgage & Equity Consultants Inc 26, 0.03% 2.03%
GSF Mortgage Corporation 27, 0.03% 0.45%
Inlanta Mortgage 28, 0.04% 2.93%
Fairway Independent Mort Corp 29, 0.04% 19.37%
LoanDepot 30, 0.06% 1.35%
Guild Mortgage Company 31, 0.07% 7.88%
Guaranteed Rate Inc 32, 0.08% 6.53%
Cardinal Financial Company LP 33, 0.09% 2.93%
Gateway First Bank 34, 0.09% 1.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
HomeBridge Financial Services, Inc 1, -0.12% 9.36%
Caliber Home Loans Inc 2, -0.08% 11.06%
American Mortgage & Equity Consultants Inc 3, -0.02% 4.26%
Ditech Financial 4, -0.02% 2.13%
Newrez 5, -0.02% 3.83%
Home Point Financial Corporation 6, -0.01% 2.13%
Guild Mortgage Company 7, -0.00% 2.13%
First Bank Financial Centre 8, 0.00% 0.43%
Associated Bank 9, 0.01% 0.43%
First Centennial Mortgage Corp 10, 0.01% 0.85%
Quicken Loans 11, 0.01% 23.40%
Freedom Mortgage Corporation 12, 0.01% 3.40%
Inlanta Mortgage 13, 0.01% 2.13%
Cornerstone Home Lending, Inc 14, 0.02% 0.43%
Flagstar Bank 15, 0.02% 0.43%
LoanDepot 16, 0.02% 2.98%
University of Wisconsin Credit Union 17, 0.02% 0.43%
Us Bank 18, 0.02% 0.43%
Thompson Kane & Company 19, 0.02% 3.40%
Prosperity Home Mortgage 20, 0.03% 1.28%
Barrington Bank & Trust 21, 0.03% 0.85%
Cardinal Financial Company LP 22, 0.06% 4.26%
Gateway First Bank 23, 0.06% 0.85%
Fairway Independent Mort Corp 24, 0.06% 7.66%
Nationstar Mortgage 25, 0.07% 6.38%
Carrington Mortgage Services 26, 0.09% 5.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.04% 9.09%
Old National Bank 2, -0.04% 8.02%
Prosperity Home Mortgage 3, -0.02% 2.14%
Wells Fargo Bank 4, -0.02% 8.56%
JPMorgan Chase Bank 5, -0.01% 10.16%
Bank of America 6, -0.01% 3.74%
Great Midwest Bank SSB 7, -0.00% 3.21%
Inlanta Mortgage 8, -0.00% 2.14%
Quicken Loans 9, 0.00% 1.60%
Fairway Independent Mort Corp 10, 0.01% 7.49%
Guaranteed Rate Inc 11, 0.01% 1.07%
The Park Bank 12, 0.01% 4.28%
LoanDepot 13, 0.01% 0.53%
Cornerstone Home Lending, Inc 14, 0.01% 0.53%
Summit Credit Union 15, 0.01% 1.07%
Flagstar Bank 16, 0.01% 0.53%
BMO Harris Bank 17, 0.02% 5.88%
Thompson Kane & Company 18, 0.02% 2.14%
State Bank of Cross Plains 19, 0.02% 13.37%
Johnson Bank 20, 0.02% 3.21%
Barrington Bank & Trust 21, 0.02% 2.14%
Guild Mortgage Company 22, 0.03% 4.81%
Caliber Home Loans Inc 23, 0.05% 1.07%
Compeer Financial ACA 24, 0.06% 3.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.05% 7.92%
Old National Bank 2, -0.03% 4.95%
Wells Fargo Bank 3, -0.02% 13.86%
Prosperity Home Mortgage 4, -0.02% 3.96%
JPMorgan Chase Bank 5, -0.01% 11.88%
Bank of America 6, -0.01% 2.97%
Inlanta Mortgage 7, -0.00% 2.97%
Fairway Independent Mort Corp 8, -0.00% 6.93%
Great Midwest Bank SSB 9, 0.00% 3.96%
Quicken Loans 10, 0.00% 1.98%
The Park Bank 11, 0.01% 4.95%
LoanDepot 12, 0.01% 0.99%
Cornerstone Home Lending, Inc 13, 0.01% 0.99%
Guaranteed Rate Inc 14, 0.01% 0.99%
Thompson Kane & Company 15, 0.02% 2.97%
BMO Harris Bank 16, 0.02% 4.95%
Barrington Bank & Trust 17, 0.03% 2.97%
State Bank of Cross Plains 18, 0.03% 11.88%
Guild Mortgage Company 19, 0.04% 2.97%
Caliber Home Loans Inc 20, 0.05% 1.98%
Compeer Financial ACA 21, 0.06% 2.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Old National Bank 1, -0.04% 11.63%
Us Bank 2, -0.02% 10.47%
Bank of America 3, -0.01% 4.65%
JPMorgan Chase Bank 4, -0.01% 8.14%
Great Midwest Bank SSB 5, -0.01% 2.33%
Guaranteed Rate Inc 6, 0.00% 1.16%
Quicken Loans 7, 0.00% 1.16%
The Park Bank 8, 0.01% 3.49%
BMO Harris Bank 9, 0.01% 6.98%
Summit Credit Union 10, 0.01% 2.33%
Barrington Bank & Trust 11, 0.01% 1.16%
Inlanta Mortgage 12, 0.01% 1.16%
Flagstar Bank 13, 0.01% 1.16%
State Bank of Cross Plains 14, 0.01% 15.12%
Thompson Kane & Company 15, 0.01% 1.16%
Fairway Independent Mort Corp 16, 0.01% 8.14%
Wells Fargo Bank 17, 0.01% 2.33%
Johnson Bank 18, 0.02% 6.98%
Guild Mortgage Company 19, 0.02% 6.98%
Compeer Financial ACA 20, 0.06% 3.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.10% 5.31%
Barrington Bank & Trust 2, -0.07% 7.30%
Navy Federal Credit Union 3, -0.07% 3.15%
HomeBridge Financial Services, Inc 4, -0.07% 1.99%
Prosperity Home Mortgage 5, -0.05% 2.16%
University of Wisconsin Credit Union 6, -0.05% 1.16%
Flagstar Bank 7, -0.04% 3.48%
Newrez 8, -0.04% 1.82%
Associated Bank 9, -0.04% 2.32%
Ditech Financial 10, -0.03% 1.33%
Usaa Federal Savings Bank 11, -0.03% 10.95%
Home Point Financial Corporation 12, -0.02% 2.49%
First Centennial Mortgage Corp 13, -0.02% 0.66%
Old National Bank 14, -0.01% 1.66%
Wells Fargo Bank 15, -0.01% 2.49%
Thompson Kane & Company 16, -0.01% 4.98%
Carrington Mortgage Services 17, -0.01% 0.83%
Us Bank 18, -0.00% 1.66%
Inlanta Mortgage 19, -0.00% 1.49%
JPMorgan Chase Bank 20, 0.00% 0.33%
LoanDepot 21, 0.00% 2.65%
GSF Mortgage Corporation 22, 0.00% 0.33%
Cornerstone Home Lending, Inc 23, 0.01% 0.50%
Guaranteed Rate Inc 24, 0.02% 0.50%
Primelending 25, 0.02% 1.16%
American Mortgage & Equity Consultants Inc 26, 0.02% 2.49%
Cardinal Financial Company LP 27, 0.03% 0.83%
Freedom Mortgage Corporation 28, 0.03% 1.00%
Gateway First Bank 29, 0.03% 0.83%
Fairway Independent Mort Corp 30, 0.05% 18.41%
Guild Mortgage Company 31, 0.06% 3.32%
Nationstar Mortgage 32, 0.06% 1.33%
Quicken Loans 33, 0.10% 9.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Barrington Bank & Trust 1, -0.08% 10.99%
Navy Federal Credit Union 2, -0.08% 4.51%
Prosperity Home Mortgage 3, -0.06% 3.10%
Flagstar Bank 4, -0.05% 3.94%
University of Wisconsin Credit Union 5, -0.05% 1.97%
Quicken Loans 6, -0.05% 2.82%
Newrez 7, -0.04% 1.41%
Caliber Home Loans Inc 8, -0.02% 2.25%
Usaa Federal Savings Bank 9, -0.02% 14.65%
Old National Bank 10, -0.02% 2.25%
Wells Fargo Bank 11, -0.02% 3.38%
Associated Bank 12, -0.02% 1.97%
Freedom Mortgage Corporation 13, -0.01% 0.28%
First Centennial Mortgage Corp 14, -0.01% 0.28%
Us Bank 15, -0.01% 2.25%
JPMorgan Chase Bank 16, 0.00% 0.56%
GSF Mortgage Corporation 17, 0.00% 0.56%
Inlanta Mortgage 18, 0.01% 1.41%
HomeBridge Financial Services, Inc 19, 0.01% 0.28%
Ditech Financial 20, 0.01% 0.56%
Home Point Financial Corporation 21, 0.01% 1.41%
Guaranteed Rate Inc 22, 0.02% 0.85%
Cornerstone Home Lending, Inc 23, 0.02% 0.56%
Primelending 24, 0.02% 1.69%
Nationstar Mortgage 25, 0.03% 0.56%
Thompson Kane & Company 26, 0.04% 5.35%
American Mortgage & Equity Consultants Inc 27, 0.05% 2.82%
LoanDepot 28, 0.05% 0.85%
Cardinal Financial Company LP 29, 0.06% 0.85%
Gateway First Bank 30, 0.07% 0.85%
Fairway Independent Mort Corp 31, 0.07% 20.85%
Guild Mortgage Company 32, 0.08% 3.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.13% 9.68%
Thompson Kane & Company 2, -0.08% 4.44%
HomeBridge Financial Services, Inc 3, -0.07% 4.44%
Associated Bank 4, -0.06% 2.82%
Usaa Federal Savings Bank 5, -0.05% 5.65%
Ditech Financial 6, -0.05% 2.42%
American Mortgage & Equity Consultants Inc 7, -0.04% 2.02%
Newrez 8, -0.04% 2.42%
Home Point Financial Corporation 9, -0.03% 4.03%
Flagstar Bank 10, -0.03% 2.82%
Gateway First Bank 11, -0.02% 0.81%
First Centennial Mortgage Corp 12, -0.02% 1.21%
Cardinal Financial Company LP 13, -0.02% 0.81%
Prosperity Home Mortgage 14, -0.02% 0.81%
Navy Federal Credit Union 15, -0.01% 1.21%
Inlanta Mortgage 16, -0.01% 1.61%
LoanDepot 17, -0.01% 5.24%
Barrington Bank & Trust 18, -0.01% 2.02%
Carrington Mortgage Services 19, -0.01% 2.02%
Primelending 20, -0.01% 0.40%
Cornerstone Home Lending, Inc 21, -0.01% 0.40%
Us Bank 22, 0.00% 0.81%
Old National Bank 23, 0.02% 0.81%
Guild Mortgage Company 24, 0.02% 2.42%
Fairway Independent Mort Corp 25, 0.02% 14.92%
Wells Fargo Bank 26, 0.04% 1.21%
Freedom Mortgage Corporation 27, 0.04% 2.02%
Nationstar Mortgage 28, 0.07% 2.42%
Quicken Loans 29, 0.13% 18.15%

* Data is compiled for the Madison, WI commuting zone area, which comprises of counties of Adams County, WI, Columbia County, WI, Dane County, WI, Iowa County, WI, Juneau County, WI, Marquette County, WI, and Sauk County, WI. This includes cities/towns/communities of Madison, WI as well as Sun Prairie, WI, Middleton, WI, Waunakee, WI, Fitchburg, WI, Verona, WI, Stoughton, WI, Cottage Grove, WI, Windsor, WI, Oregon, WI, DeForest, WI, Portage, WI, Baraboo, WI, McFarland, WI, Monona, WI, Mount Horeb, WI, Deerfield, WI, Reedsburg, WI, Prairie du Sac, WI, Pardeeville, WI, Lake Wisconsin, WI, Lodi, WI, Marshall, WI, Columbus, WI, Necedah, WI, Poynette, WI, Brooklyn, WI, Lake Arrowhead, WI, Lake Delton, WI, Blue Mounds, WI, Mazomanie, WI, Cross Plains, WI, Belleville, WI, Rio, WI, North Freedom, WI, Wisconsin Dells, WI, Bluffview, WI, Delwood, WI, Dodgeville, WI, Edgerton, WI, La Valle, WI, Montello, WI, Arena, WI, Wisconsin Dells, WI, Adams, WI, Barneveld, WI, Sauk City, WI, Cambria, WI, Fall River, WI, Neshkoro, WI, and Westfield, 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.

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