Which mortgage lender in the Janesville, 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 Janesville, 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 Janesville, WI area in terms of interest rate is Blackhawk Community Credit Union, with an average “Rate Difference” of -0.23%. This means that, comparing similar borrowers, Blackhawk Community Credit Union provided a -0.23% lower interest rate for its customers than other lenders in the area. Blackhawk Community Credit Union has a market share of 17.5%. It is the most popular lender in the Janesville, WI area.
Our detailed ranking of mortgage lenders in the Janesville, 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, Blackhawk Community Credit Union is the cheapest mortgage provider for Conventional and Jumbo mortgages in Janesville, WI. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Associated 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 Janesville, WI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.23% | 17.52% | |
| Summit Credit Union | -0.11% | 7.24% | |
| University of Wisconsin Credit Union | -0.09% | 3.42% | |
| State Bank of Cross Plains | -0.05% | 2.03% | |
| Dupaco Community Credit Union | -0.03% | 1.25% | |
| Greenwood’s State Bank | -0.02% | 1.14% | |
| First National Bank and Trust Company | -0.02% | 4.82% | |
| Associated Bank | -0.01% | 8.13% | |
| Johnson Financial Group | -0.00% | 12.95% | |
| USAA | 0.04% | 1.25% | |
| Fairway Independent Mortgage Corporation | 0.06% | 3.67% | |
| US Bank | 0.06% | 1.21% | |
| loanDepot | 0.07% | 1.32% | |
| Thompson Kane Mortgage Loans | 0.07% | 1.32% | |
| Cardinal Financial Company | 0.08% | 1.21% | |
| Mortgage Center | 0.08% | 2.10% | |
| Wells Fargo Bank | 0.09% | 1.82% | |
| JPMorgan Chase Bank | 0.10% | 1.64% | |
| Inlanta Mortgage | 0.12% | 9.03% | |
| Old National Bank | 0.12% | 2.93% | |
| Blackhawk Bank | 0.12% | 2.68% | |
| Guild Mortgage Company | 0.17% | 2.50% | |
| Quicken Loans | 0.25% | 8.81% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.19% | 11.84% | |
| Summit Credit Union | -0.13% | 6.59% | |
| University of Wisconsin Credit Union | -0.09% | 3.66% | |
| State Bank of Cross Plains | -0.08% | 1.80% | |
| Dupaco Community Credit Union | -0.07% | 1.13% | |
| Associated Bank | -0.04% | 10.18% | |
| Johnson Financial Group | -0.01% | 13.64% | |
| Greenwood’s State Bank | 0.01% | 0.53% | |
| First National Bank and Trust Company | 0.01% | 5.12% | |
| Wells Fargo Bank | 0.01% | 2.06% | |
| Old National Bank | 0.01% | 2.40% | |
| US Bank | 0.02% | 1.40% | |
| loanDepot | 0.03% | 0.47% | |
| USAA | 0.04% | 1.80% | |
| JPMorgan Chase Bank | 0.05% | 2.00% | |
| Fairway Independent Mortgage Corporation | 0.05% | 5.06% | |
| Thompson Kane Mortgage Loans | 0.06% | 2.00% | |
| Mortgage Center | 0.06% | 1.86% | |
| Cardinal Financial Company | 0.08% | 1.66% | |
| Blackhawk Bank | 0.11% | 3.59% | |
| Inlanta Mortgage | 0.12% | 12.64% | |
| Quicken Loans | 0.12% | 4.46% | |
| Guild Mortgage Company | 0.17% | 4.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.24% | 24.08% | |
| University of Wisconsin Credit Union | -0.09% | 3.15% | |
| Summit Credit Union | -0.09% | 8.00% | |
| First National Bank and Trust Company | -0.07% | 4.46% | |
| Greenwood’s State Bank | -0.02% | 1.85% | |
| State Bank of Cross Plains | -0.01% | 2.31% | |
| Johnson Financial Group | 0.00% | 12.15% | |
| Dupaco Community Credit Union | 0.01% | 1.38% | |
| USAA | 0.01% | 0.62% | |
| Associated Bank | 0.04% | 5.77% | |
| Fairway Independent Mortgage Corporation | 0.04% | 2.08% | |
| Thompson Kane Mortgage Loans | 0.05% | 0.54% | |
| Cardinal Financial Company | 0.06% | 0.69% | |
| Guild Mortgage Company | 0.07% | 0.62% | |
| Inlanta Mortgage | 0.08% | 4.85% | |
| loanDepot | 0.09% | 2.31% | |
| Mortgage Center | 0.11% | 2.38% | |
| US Bank | 0.11% | 1.00% | |
| Blackhawk Bank | 0.12% | 1.62% | |
| JPMorgan Chase Bank | 0.19% | 1.23% | |
| Wells Fargo Bank | 0.19% | 1.54% | |
| Old National Bank | 0.21% | 3.54% | |
| Quicken Loans | 0.31% | 13.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.22% | 20.51% | |
| Summit Credit Union | -0.10% | 8.52% | |
| University of Wisconsin Credit Union | -0.08% | 4.03% | |
| State Bank of Cross Plains | -0.04% | 2.39% | |
| Dupaco Community Credit Union | -0.02% | 1.47% | |
| Greenwood’s State Bank | -0.01% | 1.34% | |
| First National Bank and Trust Company | -0.01% | 5.66% | |
| Associated Bank | 0.01% | 8.31% | |
| Johnson Financial Group | 0.01% | 15.23% | |
| Cardinal Financial Company | 0.06% | 0.42% | |
| US Bank | 0.07% | 1.34% | |
| loanDepot | 0.08% | 0.67% | |
| Thompson Kane Mortgage Loans | 0.09% | 0.96% | |
| Fairway Independent Mortgage Corporation | 0.09% | 3.15% | |
| Wells Fargo Bank | 0.10% | 1.97% | |
| JPMorgan Chase Bank | 0.11% | 1.85% | |
| Mortgage Center | 0.12% | 1.76% | |
| USAA | 0.12% | 0.42% | |
| Old National Bank | 0.13% | 3.23% | |
| Blackhawk Bank | 0.14% | 2.81% | |
| Inlanta Mortgage | 0.15% | 5.66% | |
| Guild Mortgage Company | 0.19% | 2.14% | |
| Quicken Loans | 0.40% | 6.17% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.18% | 14.37% | |
| Summit Credit Union | -0.12% | 8.04% | |
| University of Wisconsin Credit Union | -0.08% | 4.46% | |
| State Bank of Cross Plains | -0.07% | 2.19% | |
| Dupaco Community Credit Union | -0.06% | 1.38% | |
| Associated Bank | -0.02% | 10.47% | |
| Johnson Financial Group | 0.00% | 16.64% | |
| Greenwood’s State Bank | 0.02% | 0.65% | |
| First National Bank and Trust Company | 0.02% | 6.25% | |
| Wells Fargo Bank | 0.02% | 2.19% | |
| Old National Bank | 0.03% | 2.52% | |
| US Bank | 0.03% | 1.54% | |
| Cardinal Financial Company | 0.05% | 0.57% | |
| JPMorgan Chase Bank | 0.06% | 2.27% | |
| loanDepot | 0.07% | 0.16% | |
| Thompson Kane Mortgage Loans | 0.09% | 1.54% | |
| USAA | 0.11% | 0.81% | |
| Mortgage Center | 0.11% | 1.46% | |
| Fairway Independent Mortgage Corporation | 0.11% | 4.14% | |
| Blackhawk Bank | 0.14% | 3.73% | |
| Inlanta Mortgage | 0.15% | 8.04% | |
| Guild Mortgage Company | 0.19% | 3.65% | |
| Quicken Loans | 0.22% | 2.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | -0.24% | 27.08% | |
| University of Wisconsin Credit Union | -0.09% | 3.56% | |
| Summit Credit Union | -0.08% | 9.03% | |
| First National Bank and Trust Company | -0.06% | 5.03% | |
| Greenwood’s State Bank | -0.01% | 2.08% | |
| State Bank of Cross Plains | -0.01% | 2.60% | |
| Johnson Financial Group | 0.01% | 13.72% | |
| Dupaco Community Credit Union | 0.02% | 1.56% | |
| Thompson Kane Mortgage Loans | 0.05% | 0.35% | |
| Fairway Independent Mortgage Corporation | 0.05% | 2.08% | |
| Associated Bank | 0.05% | 5.99% | |
| Guild Mortgage Company | 0.07% | 0.52% | |
| Cardinal Financial Company | 0.08% | 0.26% | |
| loanDepot | 0.10% | 1.22% | |
| US Bank | 0.12% | 1.13% | |
| Inlanta Mortgage | 0.12% | 3.12% | |
| Mortgage Center | 0.13% | 2.08% | |
| Blackhawk Bank | 0.13% | 1.82% | |
| JPMorgan Chase Bank | 0.20% | 1.39% | |
| Wells Fargo Bank | 0.20% | 1.74% | |
| Old National Bank | 0.21% | 3.99% | |
| Quicken Loans | 0.47% | 9.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.11% | 5.88% | |
| Fairway Independent Mortgage Corporation | -0.08% | 8.30% | |
| Quicken Loans | -0.04% | 24.57% | |
| Mortgage Center | -0.03% | 5.19% | |
| Old National Bank | -0.02% | 1.04% | |
| JPMorgan Chase Bank | -0.01% | 0.35% | |
| Thompson Kane Mortgage Loans | -0.00% | 4.15% | |
| Blackhawk Bank | 0.00% | 2.42% | |
| loanDepot | 0.02% | 3.81% | |
| Inlanta Mortgage | 0.04% | 30.45% | |
| Cardinal Financial Company | 0.05% | 7.61% | |
| Guild Mortgage Company | 0.12% | 6.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.14% | 6.60% | |
| Fairway Independent Mortgage Corporation | -0.10% | 11.17% | |
| Mortgage Center | -0.05% | 4.57% | |
| Old National Bank | -0.04% | 1.52% | |
| Quicken Loans | -0.03% | 13.20% | |
| JPMorgan Chase Bank | -0.03% | 0.51% | |
| loanDepot | -0.02% | 1.52% | |
| Thompson Kane Mortgage Loans | -0.02% | 4.57% | |
| Blackhawk Bank | -0.01% | 3.55% | |
| Inlanta Mortgage | 0.04% | 36.04% | |
| Cardinal Financial Company | 0.05% | 8.63% | |
| Guild Mortgage Company | 0.11% | 8.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 48.91% | |
| Associated Bank | -0.02% | 4.35% | |
| Cardinal Financial Company | 0.01% | 5.43% | |
| Inlanta Mortgage | 0.01% | 18.48% | |
| Mortgage Center | 0.01% | 6.52% | |
| Thompson Kane Mortgage Loans | 0.03% | 3.26% | |
| Fairway Independent Mortgage Corporation | 0.04% | 2.17% | |
| Guild Mortgage Company | 0.05% | 2.17% | |
| loanDepot | 0.07% | 8.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Blackhawk Community Credit Union | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.05% | 19.53% | |
| Wells Fargo Bank | -0.04% | 3.12% | |
| Associated Bank | -0.04% | 10.16% | |
| Blackhawk Bank | -0.03% | 0.78% | |
| Guild Mortgage Company | -0.03% | 0.78% | |
| Old National Bank | -0.02% | 1.56% | |
| Thompson Kane Mortgage Loans | -0.02% | 1.56% | |
| Cardinal Financial Company | -0.02% | 1.56% | |
| US Bank | -0.02% | 1.56% | |
| Fairway Independent Mortgage Corporation | -0.02% | 3.12% | |
| loanDepot | -0.01% | 7.81% | |
| Mortgage Center | -0.01% | 1.56% | |
| JPMorgan Chase Bank | -0.01% | 0.78% | |
| Inlanta Mortgage | 0.04% | 23.44% | |
| Quicken Loans | 0.04% | 22.66% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Associated Bank | -0.05% | 15.07% | |
| Wells Fargo Bank | -0.05% | 5.48% | |
| USAA | -0.04% | 23.29% | |
| loanDepot | -0.04% | 2.74% | |
| Blackhawk Bank | -0.04% | 1.37% | |
| Guild Mortgage Company | -0.03% | 1.37% | |
| Old National Bank | -0.03% | 2.74% | |
| Thompson Kane Mortgage Loans | -0.03% | 2.74% | |
| US Bank | -0.02% | 2.74% | |
| Cardinal Financial Company | -0.02% | 1.37% | |
| JPMorgan Chase Bank | -0.01% | 1.37% | |
| Fairway Independent Mortgage Corporation | -0.01% | 4.11% | |
| Mortgage Center | -0.01% | 1.37% | |
| Quicken Loans | 0.00% | 6.85% | |
| Inlanta Mortgage | 0.08% | 27.40% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.07% | 14.55% | |
| Inlanta Mortgage | -0.05% | 18.18% | |
| Associated Bank | -0.03% | 3.64% | |
| Fairway Independent Mortgage Corporation | -0.03% | 1.82% | |
| Cardinal Financial Company | -0.03% | 1.82% | |
| Mortgage Center | -0.01% | 1.82% | |
| loanDepot | -0.01% | 14.55% | |
| Quicken Loans | 0.05% | 43.64% |
* Data is compiled for the Janesville, WI commuting zone area, which comprises of counties of Green County, WI, Lafayette County, WI, and Rock County, WI. This includes cities/towns/communities of Janesville, WI as well as Beloit, WI, Edgerton, WI, Evansville, WI, Milton, WI, Monticello, WI, Monroe, WI, Orfordville, WI, New Glarus, WI, Albany, WI, Clinton, WI, Brodhead, WI, Argyle, WI, Darlington, WI, Juda, WI, Shullsburg, WI, Belmont, WI, and South Wayne, 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
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