Top Mortgage Lenders in Janesville, WI

Which mortgage lender in the Janesville, 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 Janesville, 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 Janesville, WI area is Blackhawk Community Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.23%. This means that Blackhawk Community Credit Union provided a -0.23% lower interest rate for its customers than other lenders in Janesville, WI for a similar set of borrowers. Blackhawk Community Credit Union has a market share of 17.5%. It is the most popular lender in the area.

Our detailed rankings of the mortgage lenders for 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, 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 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 Janesville, WI

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.23% 17.52%
Summit Credit Union 2, -0.11% 7.24%
University of Wisconsin Credit Union 3, -0.09% 3.42%
State Bank of Cross Plains 4, -0.05% 2.03%
Dupaco Community Credit Union 5, -0.03% 1.25%
The Greenwood’s State Bank 6, -0.02% 1.14%
The First National Bank and Trust Company 7, -0.02% 4.82%
Associated Bank 8, -0.01% 8.13%
Johnson Bank 9, -0.00% 12.95%
Usaa Federal Savings Bank 10, 0.04% 1.25%
Fairway Independent Mort Corp 11, 0.06% 3.67%
Us Bank 12, 0.06% 1.21%
LoanDepot 13, 0.07% 1.32%
Thompson Kane & Company 14, 0.07% 1.32%
Cardinal Financial Company LP 15, 0.08% 1.21%
Mortgage Center 16, 0.08% 2.10%
Wells Fargo Bank 17, 0.09% 1.82%
JPMorgan Chase Bank 18, 0.10% 1.64%
Inlanta Mortgage 19, 0.12% 9.03%
Old National Bank 20, 0.12% 2.93%
Blackhawk Bank 21, 0.12% 2.68%
Guild Mortgage Company 22, 0.17% 2.50%
Quicken Loans 23, 0.25% 8.81%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.19% 11.84%
Summit Credit Union 2, -0.13% 6.59%
University of Wisconsin Credit Union 3, -0.09% 3.66%
State Bank of Cross Plains 4, -0.08% 1.80%
Dupaco Community Credit Union 5, -0.07% 1.13%
Associated Bank 6, -0.04% 10.18%
Johnson Bank 7, -0.01% 13.64%
The Greenwood’s State Bank 8, 0.01% 0.53%
The First National Bank and Trust Company 9, 0.01% 5.12%
Wells Fargo Bank 10, 0.01% 2.06%
Old National Bank 11, 0.01% 2.40%
Us Bank 12, 0.02% 1.40%
LoanDepot 13, 0.03% 0.47%
Usaa Federal Savings Bank 14, 0.04% 1.80%
JPMorgan Chase Bank 15, 0.05% 2.00%
Fairway Independent Mort Corp 16, 0.05% 5.06%
Thompson Kane & Company 17, 0.06% 2.00%
Mortgage Center 18, 0.06% 1.86%
Cardinal Financial Company LP 19, 0.08% 1.66%
Blackhawk Bank 20, 0.11% 3.59%
Inlanta Mortgage 21, 0.12% 12.64%
Quicken Loans 22, 0.12% 4.46%
Guild Mortgage Company 23, 0.17% 4.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.24% 24.08%
University of Wisconsin Credit Union 2, -0.09% 3.15%
Summit Credit Union 3, -0.09% 8.00%
The First National Bank and Trust Company 4, -0.07% 4.46%
The Greenwood’s State Bank 5, -0.02% 1.85%
State Bank of Cross Plains 6, -0.01% 2.31%
Johnson Bank 7, 0.00% 12.15%
Dupaco Community Credit Union 8, 0.01% 1.38%
Usaa Federal Savings Bank 9, 0.01% 0.62%
Associated Bank 10, 0.04% 5.77%
Fairway Independent Mort Corp 11, 0.04% 2.08%
Thompson Kane & Company 12, 0.05% 0.54%
Cardinal Financial Company LP 13, 0.06% 0.69%
Guild Mortgage Company 14, 0.07% 0.62%
Inlanta Mortgage 15, 0.08% 4.85%
LoanDepot 16, 0.09% 2.31%
Mortgage Center 17, 0.11% 2.38%
Us Bank 18, 0.11% 1.00%
Blackhawk Bank 19, 0.12% 1.62%
JPMorgan Chase Bank 20, 0.19% 1.23%
Wells Fargo Bank 21, 0.19% 1.54%
Old National Bank 22, 0.21% 3.54%
Quicken Loans 23, 0.31% 13.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.22% 20.51%
Summit Credit Union 2, -0.10% 8.52%
University of Wisconsin Credit Union 3, -0.08% 4.03%
State Bank of Cross Plains 4, -0.04% 2.39%
Dupaco Community Credit Union 5, -0.02% 1.47%
The Greenwood’s State Bank 6, -0.01% 1.34%
The First National Bank and Trust Company 7, -0.01% 5.66%
Associated Bank 8, 0.01% 8.31%
Johnson Bank 9, 0.01% 15.23%
Cardinal Financial Company LP 10, 0.06% 0.42%
Us Bank 11, 0.07% 1.34%
LoanDepot 12, 0.08% 0.67%
Thompson Kane & Company 13, 0.09% 0.96%
Fairway Independent Mort Corp 14, 0.09% 3.15%
Wells Fargo Bank 15, 0.10% 1.97%
JPMorgan Chase Bank 16, 0.11% 1.85%
Mortgage Center 17, 0.12% 1.76%
Usaa Federal Savings Bank 18, 0.12% 0.42%
Old National Bank 19, 0.13% 3.23%
Blackhawk Bank 20, 0.14% 2.81%
Inlanta Mortgage 21, 0.15% 5.66%
Guild Mortgage Company 22, 0.19% 2.14%
Quicken Loans 23, 0.40% 6.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.18% 14.37%
Summit Credit Union 2, -0.12% 8.04%
University of Wisconsin Credit Union 3, -0.08% 4.46%
State Bank of Cross Plains 4, -0.07% 2.19%
Dupaco Community Credit Union 5, -0.06% 1.38%
Associated Bank 6, -0.02% 10.47%
Johnson Bank 7, 0.00% 16.64%
The Greenwood’s State Bank 8, 0.02% 0.65%
The First National Bank and Trust Company 9, 0.02% 6.25%
Wells Fargo Bank 10, 0.02% 2.19%
Old National Bank 11, 0.03% 2.52%
Us Bank 12, 0.03% 1.54%
Cardinal Financial Company LP 13, 0.05% 0.57%
JPMorgan Chase Bank 14, 0.06% 2.27%
LoanDepot 15, 0.07% 0.16%
Thompson Kane & Company 16, 0.09% 1.54%
Usaa Federal Savings Bank 17, 0.11% 0.81%
Mortgage Center 18, 0.11% 1.46%
Fairway Independent Mort Corp 19, 0.11% 4.14%
Blackhawk Bank 20, 0.14% 3.73%
Inlanta Mortgage 21, 0.15% 8.04%
Guild Mortgage Company 22, 0.19% 3.65%
Quicken Loans 23, 0.22% 2.92%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, -0.24% 27.08%
University of Wisconsin Credit Union 2, -0.09% 3.56%
Summit Credit Union 3, -0.08% 9.03%
The First National Bank and Trust Company 4, -0.06% 5.03%
The Greenwood’s State Bank 5, -0.01% 2.08%
State Bank of Cross Plains 6, -0.01% 2.60%
Johnson Bank 7, 0.01% 13.72%
Dupaco Community Credit Union 8, 0.02% 1.56%
Thompson Kane & Company 9, 0.05% 0.35%
Fairway Independent Mort Corp 10, 0.05% 2.08%
Associated Bank 11, 0.05% 5.99%
Guild Mortgage Company 12, 0.07% 0.52%
Cardinal Financial Company LP 13, 0.08% 0.26%
LoanDepot 14, 0.10% 1.22%
Us Bank 15, 0.12% 1.13%
Inlanta Mortgage 16, 0.12% 3.12%
Mortgage Center 17, 0.13% 2.08%
Blackhawk Bank 18, 0.13% 1.82%
JPMorgan Chase Bank 19, 0.20% 1.39%
Wells Fargo Bank 20, 0.20% 1.74%
Old National Bank 21, 0.21% 3.99%
Quicken Loans 22, 0.47% 9.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.11% 5.88%
Fairway Independent Mort Corp 2, -0.08% 8.30%
Quicken Loans 3, -0.04% 24.57%
Mortgage Center 4, -0.03% 5.19%
Old National Bank 5, -0.02% 1.04%
JPMorgan Chase Bank 6, -0.01% 0.35%
Thompson Kane & Company 7, -0.00% 4.15%
Blackhawk Bank 8, 0.00% 2.42%
LoanDepot 9, 0.02% 3.81%
Inlanta Mortgage 10, 0.04% 30.45%
Cardinal Financial Company LP 11, 0.05% 7.61%
Guild Mortgage Company 12, 0.12% 6.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.14% 6.60%
Fairway Independent Mort Corp 2, -0.10% 11.17%
Mortgage Center 3, -0.05% 4.57%
Old National Bank 4, -0.04% 1.52%
Quicken Loans 5, -0.03% 13.20%
JPMorgan Chase Bank 6, -0.03% 0.51%
LoanDepot 7, -0.02% 1.52%
Thompson Kane & Company 8, -0.02% 4.57%
Blackhawk Bank 9, -0.01% 3.55%
Inlanta Mortgage 10, 0.04% 36.04%
Cardinal Financial Company LP 11, 0.05% 8.63%
Guild Mortgage Company 12, 0.11% 8.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 48.91%
Associated Bank 2, -0.02% 4.35%
Cardinal Financial Company LP 3, 0.01% 5.43%
Inlanta Mortgage 4, 0.01% 18.48%
Mortgage Center 5, 0.01% 6.52%
Thompson Kane & Company 6, 0.03% 3.26%
Fairway Independent Mort Corp 7, 0.04% 2.17%
Guild Mortgage Company 8, 0.05% 2.17%
LoanDepot 9, 0.07% 8.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Blackhawk Community Credit Union 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.05% 19.53%
Wells Fargo Bank 2, -0.04% 3.12%
Associated Bank 3, -0.04% 10.16%
Blackhawk Bank 4, -0.03% 0.78%
Guild Mortgage Company 5, -0.03% 0.78%
Old National Bank 6, -0.02% 1.56%
Thompson Kane & Company 7, -0.02% 1.56%
Cardinal Financial Company LP 8, -0.02% 1.56%
Us Bank 9, -0.02% 1.56%
Fairway Independent Mort Corp 10, -0.02% 3.12%
LoanDepot 11, -0.01% 7.81%
Mortgage Center 12, -0.01% 1.56%
JPMorgan Chase Bank 13, -0.01% 0.78%
Inlanta Mortgage 14, 0.04% 23.44%
Quicken Loans 15, 0.04% 22.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Associated Bank 1, -0.05% 15.07%
Wells Fargo Bank 2, -0.05% 5.48%
Usaa Federal Savings Bank 3, -0.04% 23.29%
LoanDepot 4, -0.04% 2.74%
Blackhawk Bank 5, -0.04% 1.37%
Guild Mortgage Company 6, -0.03% 1.37%
Old National Bank 7, -0.03% 2.74%
Thompson Kane & Company 8, -0.03% 2.74%
Us Bank 9, -0.02% 2.74%
Cardinal Financial Company LP 10, -0.02% 1.37%
JPMorgan Chase Bank 11, -0.01% 1.37%
Fairway Independent Mort Corp 12, -0.01% 4.11%
Mortgage Center 13, -0.01% 1.37%
Quicken Loans 14, 0.00% 6.85%
Inlanta Mortgage 15, 0.08% 27.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.07% 14.55%
Inlanta Mortgage 2, -0.05% 18.18%
Associated Bank 3, -0.03% 3.64%
Fairway Independent Mort Corp 4, -0.03% 1.82%
Cardinal Financial Company LP 5, -0.03% 1.82%
Mortgage Center 6, -0.01% 1.82%
LoanDepot 7, -0.01% 14.55%
Quicken Loans 8, 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 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 Janesville, WI area. For mortgage lender rankings of other cities, click here.