Top Mortgage Lenders in Rhinelander, WI

Which mortgage lender in the Rhinelander, 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 Rhinelander, 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 Rhinelander, WI area is Incrediblebank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Incrediblebank provided a -0.11% lower interest rate for its customers than other lenders in Rhinelander, WI for a similar set of borrowers. Incrediblebank has a market share of 10.6%. On the other hand, the most popular lender in the market is Nicolet National Bank, with a market share of 17.5%. Nicolet National Bank is an average rate lender in this area, with a “Rate Difference” of +0.02% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Rhinelander, 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 Rhinelander, WI is Incrediblebank. 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 Us Bank. The cheapest VA mortgage provider is Associated 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 Rhinelander, WI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Incrediblebank 1, -0.11% 10.59%
Peoples State Bank 2, -0.10% 16.26%
Associated Bank 3, -0.07% 10.87%
Us Bank 4, 0.00% 5.39%
MBank 5, 0.02% 4.20%
Nicolet National Bank 6, 0.02% 17.53%
Wells Fargo Bank 7, 0.03% 4.84%
JPMorgan Chase Bank 8, 0.04% 3.29%
CoVantage Credit Union 9, 0.07% 2.83%
Inlanta Mortgage 10, 0.09% 14.16%
Quicken Loans 11, 0.14% 10.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Incrediblebank 1, -0.10% 8.24%
Peoples State Bank 2, -0.06% 20.34%
Associated Bank 3, -0.06% 11.76%
MBank 4, -0.01% 3.70%
Us Bank 5, -0.01% 5.88%
Wells Fargo Bank 6, 0.00% 5.21%
Nicolet National Bank 7, 0.02% 15.13%
CoVantage Credit Union 8, 0.04% 0.50%
JPMorgan Chase Bank 9, 0.04% 3.53%
Quicken Loans 10, 0.05% 5.71%
Inlanta Mortgage 11, 0.11% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Peoples State Bank 1, -0.18% 11.40%
Incrediblebank 2, -0.12% 13.40%
Associated Bank 3, -0.08% 9.80%
Inlanta Mortgage 4, 0.00% 7.20%
Nicolet National Bank 5, 0.02% 20.40%
Us Bank 6, 0.03% 4.80%
JPMorgan Chase Bank 7, 0.05% 3.00%
MBank 8, 0.05% 4.80%
Wells Fargo Bank 9, 0.05% 4.40%
CoVantage Credit Union 10, 0.07% 5.60%
Quicken Loans 11, 0.19% 15.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Incrediblebank 1, -0.11% 11.60%
Peoples State Bank 2, -0.10% 17.70%
Associated Bank 3, -0.07% 11.20%
Us Bank 4, 0.01% 4.50%
MBank 5, 0.02% 4.60%
Nicolet National Bank 6, 0.02% 19.00%
Wells Fargo Bank 7, 0.03% 4.90%
JPMorgan Chase Bank 8, 0.05% 3.20%
CoVantage Credit Union 9, 0.07% 3.10%
Inlanta Mortgage 10, 0.10% 12.50%
Quicken Loans 11, 0.19% 7.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Incrediblebank 1, -0.10% 9.12%
Associated Bank 2, -0.06% 11.92%
Peoples State Bank 3, -0.06% 22.35%
Us Bank 4, -0.01% 5.03%
MBank 5, -0.01% 4.10%
Wells Fargo Bank 6, 0.01% 5.40%
Nicolet National Bank 7, 0.02% 16.57%
CoVantage Credit Union 8, 0.04% 0.56%
JPMorgan Chase Bank 9, 0.05% 3.35%
Quicken Loans 10, 0.07% 3.91%
Inlanta Mortgage 11, 0.13% 17.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Peoples State Bank 1, -0.17% 12.31%
Incrediblebank 2, -0.12% 14.47%
Associated Bank 3, -0.08% 10.37%
Inlanta Mortgage 4, 0.00% 6.48%
Nicolet National Bank 5, 0.03% 21.81%
Us Bank 6, 0.03% 3.89%
MBank 7, 0.05% 5.18%
JPMorgan Chase Bank 8, 0.05% 3.02%
Wells Fargo Bank 9, 0.06% 4.32%
CoVantage Credit Union 10, 0.07% 6.05%
Quicken Loans 11, 0.24% 12.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.03% 14.29%
Associated Bank 2, -0.02% 9.52%
Inlanta Mortgage 3, 0.00% 35.71%
Quicken Loans 4, 0.01% 40.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.02% 18.52%
Associated Bank 2, -0.02% 11.11%
Quicken Loans 3, 0.01% 22.22%
Inlanta Mortgage 4, 0.01% 48.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.02% 6.67%
Associated Bank 2, -0.01% 6.67%
Inlanta Mortgage 3, 0.00% 13.33%
Quicken Loans 4, 0.00% 73.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 16.67%
Us Bank 2, -0.00% 41.67%
Peoples State Bank 3, -0.00% 8.33%
JPMorgan Chase Bank 4, 0.00% 16.67%
Nicolet National Bank 5, 0.01% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Nicolet National Bank 1, -0.00% 33.33%
Peoples State Bank 2, -0.00% 33.33%
JPMorgan Chase Bank 3, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 22.22%
Us Bank 2, -0.00% 55.56%
JPMorgan Chase Bank 3, 0.00% 11.11%
Nicolet National Bank 4, 0.03% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.07% 7.32%
Wells Fargo Bank 2, -0.06% 4.88%
JPMorgan Chase Bank 3, -0.03% 4.88%
Us Bank 4, 0.00% 7.32%
Quicken Loans 5, 0.01% 39.02%
Inlanta Mortgage 6, 0.02% 36.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.07% 10.71%
Wells Fargo Bank 2, -0.06% 7.14%
JPMorgan Chase Bank 3, -0.03% 7.14%
Quicken Loans 4, -0.00% 25.00%
Us Bank 5, 0.00% 10.71%
Inlanta Mortgage 6, 0.04% 39.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Inlanta Mortgage 1, -0.04% 30.77%
Quicken Loans 2, 0.02% 69.23%

* Data is compiled for the Rhinelander, WI commuting zone area, which comprises of counties of Forest County, WI, Langlade County, WI, Oneida County, WI, and Vilas County, WI. This includes cities/towns/communities of Rhinelander, WI as well as Antigo, WI, Three Lakes, WI, Boulder Junction, WI, Eagle River, WI, Sayner, WI, Crandon, WI, Post Lake, WI, Lake Tomahawk, WI, Minocqua, WI, Lac du Flambeau, WI, Woodruff, WI, White Lake, WI, Wabeno, WI, and Argonne, 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 Rhinelander, WI area. For mortgage lender rankings of other cities, click here.