Top Mortgage Lenders in the Osceola, WI area

Which mortgage lender in the Osceola, 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 Osceola, 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 Osceola, WI area is WESTconsin Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that WESTconsin Credit Union provided a -0.11% lower interest rate for its customers than other lenders in Osceola, WI for a similar set of borrowers. WESTconsin Credit Union has a market share of 12.2%. On the other hand, the most popular lender in the market is American Mortgage & Equity Consultants Inc, with a market share of 26.7%. American Mortgage & Equity Consultants Inc 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 Osceola, 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 Osceola, WI is WESTconsin 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 Quicken Loans. The cheapest VA mortgage provider is Quicken Loans. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WESTconsin Credit Union 1, -0.11% 12.17%
Royal Credit Union 2, -0.11% 12.73%
Bell Bank 3, -0.03% 4.34%
Us Bank 4, -0.02% 11.89%
American Mortgage & Equity Consultants Inc 5, 0.02% 26.71%
Bankers’ Bank 6, 0.04% 4.76%
Bremer Bank 7, 0.06% 7.55%
LoanDepot 8, 0.06% 6.99%
Quicken Loans 9, 0.11% 12.87%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.10% 9.87%
WESTconsin Credit Union 2, -0.04% 9.60%
Royal Credit Union 3, -0.04% 10.93%
Bell Bank 4, -0.03% 8.27%
American Mortgage & Equity Consultants Inc 5, 0.02% 36.27%
Bankers’ Bank 6, 0.03% 3.73%
LoanDepot 7, 0.04% 5.60%
Quicken Loans 8, 0.06% 8.00%
Bremer Bank 9, 0.07% 7.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Royal Credit Union 1, -0.16% 14.71%
WESTconsin Credit Union 2, -0.15% 15.00%
American Mortgage & Equity Consultants Inc 3, 0.02% 16.18%
Bremer Bank 4, 0.04% 7.35%
Bankers’ Bank 5, 0.05% 5.88%
Us Bank 6, 0.05% 14.12%
LoanDepot 7, 0.07% 8.53%
Quicken Loans 8, 0.13% 18.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WESTconsin Credit Union 1, -0.11% 14.87%
Royal Credit Union 2, -0.11% 15.56%
Bell Bank 3, -0.03% 4.79%
Us Bank 4, -0.02% 13.50%
American Mortgage & Equity Consultants Inc 5, 0.04% 20.51%
Bankers’ Bank 6, 0.04% 5.81%
Bremer Bank 7, 0.06% 8.55%
LoanDepot 8, 0.06% 4.27%
Quicken Loans 9, 0.15% 12.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.11% 11.49%
WESTconsin Credit Union 2, -0.04% 12.16%
Royal Credit Union 3, -0.04% 13.85%
Bell Bank 4, -0.03% 9.46%
LoanDepot 5, 0.02% 3.38%
Bankers’ Bank 6, 0.03% 4.73%
American Mortgage & Equity Consultants Inc 7, 0.04% 28.72%
Quicken Loans 8, 0.08% 7.43%
Bremer Bank 9, 0.08% 8.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Royal Credit Union 1, -0.16% 17.30%
WESTconsin Credit Union 2, -0.15% 17.65%
American Mortgage & Equity Consultants Inc 3, 0.04% 12.11%
Bremer Bank 4, 0.04% 8.30%
Bankers’ Bank 5, 0.05% 6.92%
Us Bank 6, 0.05% 15.57%
LoanDepot 7, 0.09% 5.19%
Quicken Loans 8, 0.18% 16.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 17.71%
American Mortgage & Equity Consultants Inc 2, -0.02% 59.38%
Bell Bank 3, 0.00% 2.08%
Bremer Bank 4, 0.03% 2.08%
LoanDepot 5, 0.06% 18.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
American Mortgage & Equity Consultants Inc 1, -0.02% 67.74%
Bell Bank 2, 0.00% 3.23%
Quicken Loans 3, 0.00% 11.29%
Bremer Bank 4, 0.03% 3.23%
LoanDepot 5, 0.06% 14.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 29.41%
American Mortgage & Equity Consultants Inc 2, -0.02% 44.12%
LoanDepot 3, 0.07% 26.47%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 12.90%
Bremer Bank 2, -0.01% 6.45%
Bell Bank 3, -0.01% 3.23%
Us Bank 4, -0.00% 9.68%
American Mortgage & Equity Consultants Inc 5, 0.00% 45.16%
LoanDepot 6, 0.01% 22.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 6.67%
Us Bank 2, -0.03% 6.67%
Bremer Bank 3, -0.03% 6.67%
Bell Bank 4, -0.02% 6.67%
LoanDepot 5, 0.00% 13.33%
American Mortgage & Equity Consultants Inc 6, 0.01% 60.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
American Mortgage & Equity Consultants Inc 1, -0.02% 31.25%
Quicken Loans 2, -0.00% 18.75%
Bremer Bank 3, 0.00% 6.25%
Us Bank 4, 0.01% 12.50%
LoanDepot 5, 0.01% 31.25%

* Data is compiled for the Osceola, WI commuting zone area, which comprises of counties of Burnett County, WI, and Polk County, WI. This includes cities/towns/communities of Osceola, WI as well as Webster, WI, Milltown, WI, St. Croix Falls, WI, Luck, WI, Amery, WI, Danbury, WI, Clear Lake, WI, Frederic, WI, Balsam Lake, WI, Grantsburg, WI, and Siren, 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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