Top Mortgage Lenders in Wausau, WI

Which mortgage lender in the Wausau, 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 Wausau, 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 Wausau, 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 Wausau, WI for a similar set of borrowers. University of Wisconsin Credit Union has a market share of 2.9%. On the other hand, the most popular lender in the market is Associated Bank, with a market share of 10.3%. Associated Bank is an average rate lender in this area, with a “Rate Difference” of -0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, 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 (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 Us Bank. The cheapest VA mortgage provider is Usaa Federal Savings 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 Wausau, WI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.17% 2.85%
First Federal Bank 2, -0.16% 7.09%
Incrediblebank 3, -0.16% 6.54%
Time Federal Savings Bank 4, -0.12% 3.59%
Peoples State Bank 5, -0.10% 6.76%
Associated Bank 6, -0.08% 10.29%
Royal Credit Union 7, -0.08% 3.27%
Prosperity Home Mortgage 8, -0.06% 2.08%
Bankers’ Bank 9, -0.05% 1.22%
Old National Bank 10, -0.01% 1.76%
Usaa Federal Savings Bank 11, -0.01% 1.67%
Us Bank 12, 0.00% 9.91%
Nicolet National Bank 13, 0.01% 3.75%
Wells Fargo Bank 14, 0.01% 2.44%
Guaranteed Rate Inc 15, 0.02% 1.25%
First Centennial Mortgage Corp 16, 0.04% 1.41%
BMO Harris Bank 17, 0.06% 1.44%
GSF Mortgage Corporation 18, 0.08% 2.08%
Waterstone Mortgage Corp 19, 0.08% 3.98%
Fairway Independent Mort Corp 20, 0.08% 2.66%
LoanDepot 21, 0.09% 1.25%
JPMorgan Chase Bank 22, 0.09% 1.60%
AnnieMac Home Mortgage 23, 0.14% 1.38%
CoVantage Credit Union 24, 0.16% 1.60%
Quicken Loans 25, 0.16% 8.98%
Inlanta Mortgage 26, 0.21% 9.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.18% 2.48%
First Federal Bank 2, -0.15% 6.02%
Incrediblebank 3, -0.12% 4.25%
Associated Bank 4, -0.12% 10.60%
Prosperity Home Mortgage 5, -0.08% 3.42%
Royal Credit Union 6, -0.07% 2.21%
Peoples State Bank 7, -0.07% 6.18%
Us Bank 8, -0.06% 9.49%
Bankers’ Bank 9, -0.04% 1.10%
Time Federal Savings Bank 10, -0.04% 2.04%
Old National Bank 11, -0.03% 1.66%
Wells Fargo Bank 12, -0.02% 2.98%
Usaa Federal Savings Bank 13, -0.02% 2.37%
CoVantage Credit Union 14, -0.02% 0.61%
Nicolet National Bank 15, -0.00% 3.26%
Guaranteed Rate Inc 16, 0.01% 1.88%
LoanDepot 17, 0.02% 0.39%
First Centennial Mortgage Corp 18, 0.03% 2.04%
BMO Harris Bank 19, 0.04% 1.60%
JPMorgan Chase Bank 20, 0.05% 1.60%
Waterstone Mortgage Corp 21, 0.07% 6.02%
Fairway Independent Mort Corp 22, 0.07% 3.70%
Quicken Loans 23, 0.07% 5.46%
GSF Mortgage Corporation 24, 0.08% 2.98%
AnnieMac Home Mortgage 25, 0.16% 1.88%
Inlanta Mortgage 26, 0.21% 13.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Bank 1, -0.17% 8.57%
Incrediblebank 2, -0.17% 9.72%
Time Federal Savings Bank 3, -0.15% 5.74%
University of Wisconsin Credit Union 4, -0.15% 3.37%
Peoples State Bank 5, -0.14% 7.57%
Royal Credit Union 6, -0.07% 4.74%
Bankers’ Bank 7, -0.06% 1.38%
Associated Bank 8, -0.02% 9.87%
Usaa Federal Savings Bank 9, 0.02% 0.69%
Old National Bank 10, 0.02% 1.91%
Nicolet National Bank 11, 0.02% 4.44%
GSF Mortgage Corporation 12, 0.02% 0.84%
Prosperity Home Mortgage 13, 0.03% 0.23%
First Centennial Mortgage Corp 14, 0.03% 0.54%
Guaranteed Rate Inc 15, 0.05% 0.38%
AnnieMac Home Mortgage 16, 0.06% 0.69%
Wells Fargo Bank 17, 0.08% 1.68%
Inlanta Mortgage 18, 0.08% 2.68%
Waterstone Mortgage Corp 19, 0.08% 1.15%
Fairway Independent Mort Corp 20, 0.08% 1.22%
Us Bank 21, 0.08% 10.48%
BMO Harris Bank 22, 0.10% 1.22%
LoanDepot 23, 0.12% 2.45%
JPMorgan Chase Bank 24, 0.15% 1.61%
CoVantage Credit Union 25, 0.22% 2.98%
Quicken Loans 26, 0.23% 13.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.16% 3.38%
First Federal Bank 2, -0.16% 8.51%
Incrediblebank 3, -0.15% 7.93%
Time Federal Savings Bank 4, -0.11% 4.35%
Peoples State Bank 5, -0.10% 7.97%
Prosperity Home Mortgage 6, -0.08% 1.79%
Associated Bank 7, -0.07% 11.94%
Royal Credit Union 8, -0.07% 3.97%
Bankers’ Bank 9, -0.04% 1.48%
Old National Bank 10, 0.00% 2.10%
Nicolet National Bank 11, 0.01% 4.51%
Us Bank 12, 0.02% 10.50%
Wells Fargo Bank 13, 0.02% 2.88%
Guaranteed Rate Inc 14, 0.04% 1.01%
First Centennial Mortgage Corp 15, 0.05% 0.74%
Usaa Federal Savings Bank 16, 0.06% 0.54%
BMO Harris Bank 17, 0.08% 1.56%
GSF Mortgage Corporation 18, 0.08% 1.52%
Fairway Independent Mort Corp 19, 0.09% 2.02%
JPMorgan Chase Bank 20, 0.10% 1.91%
AnnieMac Home Mortgage 21, 0.11% 0.86%
LoanDepot 22, 0.13% 0.70%
Waterstone Mortgage Corp 23, 0.14% 2.10%
CoVantage Credit Union 24, 0.17% 1.94%
Inlanta Mortgage 25, 0.25% 7.43%
Quicken Loans 26, 0.29% 6.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
University of Wisconsin Credit Union 1, -0.18% 3.07%
First Federal Bank 2, -0.14% 7.77%
Incrediblebank 3, -0.11% 5.49%
Associated Bank 4, -0.11% 12.77%
Prosperity Home Mortgage 5, -0.09% 3.14%
Royal Credit Union 6, -0.06% 2.85%
Peoples State Bank 7, -0.06% 7.70%
Us Bank 8, -0.04% 9.84%
Bankers’ Bank 9, -0.03% 1.43%
Time Federal Savings Bank 10, -0.02% 2.64%
Old National Bank 11, -0.02% 2.07%
Wells Fargo Bank 12, -0.01% 3.71%
CoVantage Credit Union 13, -0.01% 0.78%
Nicolet National Bank 14, 0.01% 4.21%
LoanDepot 15, 0.02% 0.29%
Guaranteed Rate Inc 16, 0.03% 1.57%
Usaa Federal Savings Bank 17, 0.05% 0.86%
First Centennial Mortgage Corp 18, 0.06% 0.93%
JPMorgan Chase Bank 19, 0.06% 2.00%
BMO Harris Bank 20, 0.07% 1.71%
GSF Mortgage Corporation 21, 0.08% 2.64%
Fairway Independent Mort Corp 22, 0.08% 3.07%
AnnieMac Home Mortgage 23, 0.12% 1.14%
Waterstone Mortgage Corp 24, 0.14% 3.35%
Quicken Loans 25, 0.18% 3.21%
Inlanta Mortgage 26, 0.27% 11.77%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Bank 1, -0.17% 9.40%
Incrediblebank 2, -0.16% 10.85%
Time Federal Savings Bank 3, -0.15% 6.41%
University of Wisconsin Credit Union 4, -0.14% 3.76%
Peoples State Bank 5, -0.14% 8.29%
Royal Credit Union 6, -0.06% 5.30%
Bankers’ Bank 7, -0.05% 1.54%
Associated Bank 8, -0.01% 10.94%
Old National Bank 9, 0.02% 2.14%
Nicolet National Bank 10, 0.03% 4.87%
Prosperity Home Mortgage 11, 0.03% 0.17%
First Centennial Mortgage Corp 12, 0.04% 0.51%
GSF Mortgage Corporation 13, 0.04% 0.17%
Usaa Federal Savings Bank 14, 0.05% 0.17%
Guaranteed Rate Inc 15, 0.06% 0.34%
AnnieMac Home Mortgage 16, 0.07% 0.51%
Wells Fargo Bank 17, 0.08% 1.88%
Waterstone Mortgage Corp 18, 0.08% 0.60%
Us Bank 19, 0.09% 11.28%
Inlanta Mortgage 20, 0.09% 2.22%
BMO Harris Bank 21, 0.10% 1.37%
Fairway Independent Mort Corp 22, 0.10% 0.77%
JPMorgan Chase Bank 23, 0.15% 1.79%
LoanDepot 24, 0.17% 1.20%
CoVantage Credit Union 25, 0.23% 3.33%
Quicken Loans 26, 0.34% 10.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.17% 5.29%
Associated Bank 2, -0.11% 1.39%
Quicken Loans 3, -0.08% 21.45%
University of Wisconsin Credit Union 4, -0.06% 0.56%
Prosperity Home Mortgage 5, -0.05% 3.62%
BMO Harris Bank 6, -0.05% 1.11%
Guaranteed Rate Inc 7, -0.04% 2.79%
Wells Fargo Bank 8, -0.03% 0.28%
Old National Bank 9, -0.03% 0.28%
First Centennial Mortgage Corp 10, -0.02% 5.01%
LoanDepot 11, -0.01% 2.51%
Waterstone Mortgage Corp 12, -0.00% 17.55%
Fairway Independent Mort Corp 13, 0.01% 5.01%
GSF Mortgage Corporation 14, 0.04% 6.13%
Inlanta Mortgage 15, 0.10% 21.17%
AnnieMac Home Mortgage 16, 0.14% 5.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.19% 6.50%
Associated Bank 2, -0.12% 1.81%
Quicken Loans 3, -0.09% 12.64%
University of Wisconsin Credit Union 4, -0.07% 0.72%
Prosperity Home Mortgage 5, -0.06% 4.33%
LoanDepot 6, -0.06% 0.36%
BMO Harris Bank 7, -0.06% 1.44%
Guaranteed Rate Inc 8, -0.06% 3.61%
Wells Fargo Bank 9, -0.04% 0.36%
Old National Bank 10, -0.04% 0.36%
First Centennial Mortgage Corp 11, -0.03% 6.14%
Waterstone Mortgage Corp 12, -0.02% 20.58%
Fairway Independent Mort Corp 13, 0.01% 4.69%
GSF Mortgage Corporation 14, 0.08% 5.05%
Inlanta Mortgage 15, 0.10% 24.91%
AnnieMac Home Mortgage 16, 0.15% 6.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 51.22%
GSF Mortgage Corporation 2, -0.00% 9.76%
Prosperity Home Mortgage 3, 0.01% 1.22%
Us Bank 4, 0.01% 1.22%
First Centennial Mortgage Corp 5, 0.01% 1.22%
AnnieMac Home Mortgage 6, 0.02% 3.66%
LoanDepot 7, 0.04% 9.76%
Fairway Independent Mort Corp 8, 0.04% 6.10%
Inlanta Mortgage 9, 0.04% 8.54%
Waterstone Mortgage Corp 10, 0.07% 7.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 33.33%
Associated Bank 2, -0.01% 6.67%
Wells Fargo Bank 3, -0.00% 6.67%
Peoples State Bank 4, 0.01% 40.00%
Nicolet National Bank 5, 0.01% 6.67%
BMO Harris Bank 6, 0.01% 6.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 30.00%
Associated Bank 2, -0.01% 10.00%
Wells Fargo Bank 3, -0.01% 10.00%
BMO Harris Bank 4, 0.01% 10.00%
Peoples State Bank 5, 0.01% 40.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.01% 40.00%
Peoples State Bank 2, 0.00% 40.00%
Nicolet National Bank 3, 0.01% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.05% 21.97%
Us Bank 2, -0.04% 8.67%
Associated Bank 3, -0.04% 4.62%
Prosperity Home Mortgage 4, -0.03% 3.47%
JPMorgan Chase Bank 5, -0.02% 0.58%
Guaranteed Rate Inc 6, -0.00% 1.73%
Waterstone Mortgage Corp 7, 0.00% 4.05%
First Federal Bank 8, 0.00% 1.16%
Quicken Loans 9, 0.02% 22.54%
GSF Mortgage Corporation 10, 0.03% 2.31%
Inlanta Mortgage 11, 0.03% 10.40%
First Centennial Mortgage Corp 12, 0.03% 4.05%
LoanDepot 13, 0.05% 6.94%
Fairway Independent Mort Corp 14, 0.08% 7.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.06% 25.20%
Us Bank 2, -0.04% 10.57%
Associated Bank 3, -0.04% 5.69%
Prosperity Home Mortgage 4, -0.03% 4.88%
JPMorgan Chase Bank 5, -0.02% 0.81%
Guaranteed Rate Inc 6, 0.01% 1.63%
Waterstone Mortgage Corp 7, 0.01% 4.07%
LoanDepot 8, 0.02% 1.63%
First Centennial Mortgage Corp 9, 0.03% 5.69%
Inlanta Mortgage 10, 0.03% 13.01%
Quicken Loans 11, 0.04% 15.45%
GSF Mortgage Corporation 12, 0.04% 2.44%
Fairway Independent Mort Corp 13, 0.09% 8.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.04% 14.00%
Guaranteed Rate Inc 2, -0.02% 2.00%
Associated Bank 3, -0.02% 2.00%
GSF Mortgage Corporation 4, -0.02% 2.00%
Waterstone Mortgage Corp 5, -0.02% 4.00%
Fairway Independent Mort Corp 6, -0.01% 4.00%
Inlanta Mortgage 7, -0.01% 4.00%
Quicken Loans 8, -0.00% 40.00%
Us Bank 9, -0.00% 4.00%
First Federal Bank 10, -0.00% 4.00%
LoanDepot 11, 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 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

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