Top Mortgage Lenders in the Sheboygan, WI area

Which mortgage lender in the Sheboygan, 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 Sheboygan, 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 Sheboygan, WI area is Bank First, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Bank First provided a -0.11% lower interest rate for its customers than other lenders in Sheboygan, WI for a similar set of borrowers. Bank First has a market share of 15.6%. It is also the most popular lender in the area.

Our detailed rankings of the mortgage lenders for the Sheboygan, 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 Sheboygan, WI is Bank First. 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 JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CIBM Bank. The cheapest VA mortgage provider is Servion, Inc. 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
Bank First 1, -0.11% 15.58%
Johnson Bank 2, -0.07% 3.83%
CIBM Bank 3, -0.07% 5.44%
Community First Credit Union 4, -0.06% 2.74%
Associated Bank 5, -0.05% 7.79%
Servion, Inc 6, -0.05% 1.78%
Commerce State Bank 7, -0.05% 8.44%
National Exchange Bank & Trust 8, -0.03% 3.26%
The Port Washington State Bank 9, -0.03% 1.48%
First Federal Bank 10, -0.02% 2.87%
Landmark Credit Union 11, -0.01% 1.35%
JPMorgan Chase Bank 12, 0.00% 1.35%
Flagstar Bank 13, 0.02% 7.53%
Us Bank 14, 0.03% 9.40%
Wisconsin Mortgage Corporation 15, 0.05% 1.70%
Towne Mortgage Company 16, 0.06% 2.74%
Wells Fargo Bank 17, 0.08% 5.61%
Inlanta Mortgage 18, 0.08% 1.65%
Cherry Creek Mortgage Co Inc 19, 0.09% 2.26%
BMO Harris Bank 20, 0.11% 1.48%
UnitedOne Credit Union 21, 0.13% 3.05%
Quicken Loans 22, 0.18% 8.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CIBM Bank 1, -0.08% 7.20%
Associated Bank 2, -0.07% 8.75%
Bank First 3, -0.06% 13.31%
National Exchange Bank & Trust 4, -0.04% 3.25%
Servion, Inc 5, -0.03% 1.47%
Landmark Credit Union 6, -0.03% 1.39%
Commerce State Bank 7, -0.02% 9.06%
Johnson Bank 8, -0.02% 3.17%
JPMorgan Chase Bank 9, -0.02% 1.86%
First Federal Bank 10, -0.01% 2.86%
The Port Washington State Bank 11, -0.01% 1.01%
Us Bank 12, -0.01% 10.99%
Community First Credit Union 13, 0.03% 1.70%
Flagstar Bank 14, 0.03% 8.05%
Towne Mortgage Company 15, 0.04% 3.33%
Wisconsin Mortgage Corporation 16, 0.06% 2.55%
Wells Fargo Bank 17, 0.07% 6.42%
BMO Harris Bank 18, 0.08% 1.32%
Inlanta Mortgage 19, 0.09% 2.09%
UnitedOne Credit Union 20, 0.09% 1.55%
Cherry Creek Mortgage Co Inc 21, 0.12% 3.17%
Quicken Loans 22, 0.14% 5.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank First 1, -0.16% 18.49%
Johnson Bank 2, -0.12% 4.67%
Community First Credit Union 3, -0.11% 4.08%
Commerce State Bank 4, -0.09% 7.65%
Servion, Inc 5, -0.07% 2.19%
CIBM Bank 6, -0.04% 3.18%
The Port Washington State Bank 7, -0.04% 2.09%
First Federal Bank 8, -0.02% 2.88%
National Exchange Bank & Trust 9, -0.02% 3.28%
Associated Bank 10, -0.02% 6.56%
Cherry Creek Mortgage Co Inc 11, -0.01% 1.09%
Wisconsin Mortgage Corporation 12, 0.01% 0.60%
Landmark Credit Union 13, 0.01% 1.29%
Flagstar Bank 14, 0.02% 6.86%
Inlanta Mortgage 15, 0.04% 1.09%
JPMorgan Chase Bank 16, 0.07% 0.70%
Wells Fargo Bank 17, 0.09% 4.57%
Towne Mortgage Company 18, 0.09% 1.99%
Us Bank 19, 0.12% 7.36%
BMO Harris Bank 20, 0.13% 1.69%
UnitedOne Credit Union 21, 0.15% 4.97%
Quicken Loans 22, 0.20% 12.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank First 1, -0.11% 17.25%
CIBM Bank 2, -0.07% 4.67%
Johnson Bank 3, -0.07% 4.32%
Community First Credit Union 4, -0.06% 3.10%
Associated Bank 5, -0.06% 8.26%
Servion, Inc 6, -0.05% 1.87%
Commerce State Bank 7, -0.05% 8.94%
National Exchange Bank & Trust 8, -0.03% 3.69%
The Port Washington State Bank 9, -0.03% 1.67%
First Federal Bank 10, -0.02% 3.05%
Landmark Credit Union 11, -0.01% 1.52%
JPMorgan Chase Bank 12, 0.00% 1.47%
Flagstar Bank 13, 0.03% 8.01%
Us Bank 14, 0.04% 9.63%
Wells Fargo Bank 15, 0.08% 6.00%
Wisconsin Mortgage Corporation 16, 0.08% 1.38%
Inlanta Mortgage 17, 0.10% 1.28%
BMO Harris Bank 18, 0.11% 1.62%
Cherry Creek Mortgage Co Inc 19, 0.11% 1.52%
Towne Mortgage Company 20, 0.12% 1.28%
UnitedOne Credit Union 21, 0.14% 3.29%
Quicken Loans 22, 0.27% 6.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CIBM Bank 1, -0.08% 6.07%
Associated Bank 2, -0.08% 9.29%
Bank First 3, -0.06% 15.18%
National Exchange Bank & Trust 4, -0.04% 3.75%
Servion, Inc 5, -0.03% 1.43%
Landmark Credit Union 6, -0.03% 1.61%
JPMorgan Chase Bank 7, -0.02% 2.05%
Commerce State Bank 8, -0.02% 9.64%
Johnson Bank 9, -0.02% 3.66%
First Federal Bank 10, -0.01% 3.12%
The Port Washington State Bank 11, -0.01% 1.16%
Us Bank 12, -0.01% 11.16%
Community First Credit Union 13, 0.03% 1.96%
Flagstar Bank 14, 0.03% 8.75%
Wells Fargo Bank 15, 0.08% 6.88%
BMO Harris Bank 16, 0.08% 1.52%
Wisconsin Mortgage Corporation 17, 0.10% 2.23%
UnitedOne Credit Union 18, 0.10% 1.52%
Inlanta Mortgage 19, 0.12% 1.70%
Towne Mortgage Company 20, 0.14% 1.43%
Cherry Creek Mortgage Co Inc 21, 0.15% 2.14%
Quicken Loans 22, 0.20% 3.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank First 1, -0.16% 19.78%
Johnson Bank 2, -0.12% 5.14%
Community First Credit Union 3, -0.11% 4.48%
Commerce State Bank 4, -0.09% 8.09%
Servion, Inc 5, -0.07% 2.40%
CIBM Bank 6, -0.05% 2.95%
The Port Washington State Bank 7, -0.04% 2.30%
First Federal Bank 8, -0.02% 2.95%
Cherry Creek Mortgage Co Inc 9, -0.02% 0.77%
National Exchange Bank & Trust 10, -0.02% 3.61%
Associated Bank 11, -0.02% 6.99%
Wisconsin Mortgage Corporation 12, 0.01% 0.33%
Landmark Credit Union 13, 0.02% 1.42%
Flagstar Bank 14, 0.02% 7.10%
Inlanta Mortgage 15, 0.06% 0.77%
JPMorgan Chase Bank 16, 0.07% 0.77%
Towne Mortgage Company 17, 0.08% 1.09%
Wells Fargo Bank 18, 0.09% 4.92%
Us Bank 19, 0.12% 7.76%
BMO Harris Bank 20, 0.14% 1.75%
UnitedOne Credit Union 21, 0.15% 5.46%
Quicken Loans 22, 0.31% 9.18%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CIBM Bank 1, -0.06% 13.02%
Commerce State Bank 2, -0.04% 7.10%
Wisconsin Mortgage Corporation 3, -0.04% 4.14%
Us Bank 4, -0.02% 7.10%
Associated Bank 5, -0.00% 1.18%
Towne Mortgage Company 6, 0.01% 18.93%
Inlanta Mortgage 7, 0.02% 4.14%
First Federal Bank 8, 0.02% 1.18%
Quicken Loans 9, 0.02% 31.36%
Wells Fargo Bank 10, 0.02% 0.59%
Flagstar Bank 11, 0.03% 3.55%
Cherry Creek Mortgage Co Inc 12, 0.05% 7.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CIBM Bank 1, -0.07% 17.70%
Commerce State Bank 2, -0.05% 7.96%
Wisconsin Mortgage Corporation 3, -0.04% 5.31%
Towne Mortgage Company 4, -0.02% 21.24%
Us Bank 5, -0.02% 8.85%
Associated Bank 6, 0.00% 1.77%
First Federal Bank 7, 0.02% 0.88%
Inlanta Mortgage 8, 0.02% 5.31%
Wells Fargo Bank 9, 0.02% 0.88%
Flagstar Bank 10, 0.04% 3.54%
Cherry Creek Mortgage Co Inc 11, 0.07% 8.85%
Quicken Loans 12, 0.09% 17.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 58.93%
Commerce State Bank 2, -0.01% 5.36%
Us Bank 3, 0.00% 3.57%
Inlanta Mortgage 4, 0.01% 1.79%
Wisconsin Mortgage Corporation 5, 0.01% 1.79%
Cherry Creek Mortgage Co Inc 6, 0.01% 5.36%
First Federal Bank 7, 0.01% 1.79%
CIBM Bank 8, 0.02% 3.57%
Flagstar Bank 9, 0.03% 3.57%
Towne Mortgage Company 10, 0.10% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.00% 8.33%
Bank First 2, -0.00% 58.33%
Us Bank 3, 0.00% 8.33%
BMO Harris Bank 4, 0.01% 8.33%
Wells Fargo Bank 5, 0.01% 16.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.01% 20.00%
Wells Fargo Bank 2, -0.00% 20.00%
Us Bank 3, 0.00% 20.00%
Bank First 4, 0.00% 40.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank First 1, -0.00% 71.43%
BMO Harris Bank 2, 0.01% 14.29%
Wells Fargo Bank 3, 0.01% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Servion, Inc 1, -0.05% 3.66%
Associated Bank 2, -0.03% 10.98%
CIBM Bank 3, -0.02% 9.76%
Wells Fargo Bank 4, -0.02% 4.88%
Wisconsin Mortgage Corporation 5, -0.02% 4.88%
Inlanta Mortgage 6, -0.01% 6.10%
First Federal Bank 7, 0.00% 2.44%
Us Bank 8, 0.00% 8.54%
Flagstar Bank 9, 0.00% 4.88%
Quicken Loans 10, 0.01% 24.39%
Towne Mortgage Company 11, 0.01% 6.10%
UnitedOne Credit Union 12, 0.02% 3.66%
Cherry Creek Mortgage Co Inc 13, 0.06% 9.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Servion, Inc 1, -0.04% 5.56%
Associated Bank 2, -0.03% 12.96%
Wells Fargo Bank 3, -0.02% 7.41%
CIBM Bank 4, -0.02% 9.26%
Wisconsin Mortgage Corporation 5, -0.02% 3.70%
First Federal Bank 6, -0.01% 1.85%
Quicken Loans 7, -0.01% 16.67%
Inlanta Mortgage 8, 0.00% 3.70%
Us Bank 9, 0.01% 11.11%
Towne Mortgage Company 10, 0.01% 5.56%
UnitedOne Credit Union 11, 0.02% 5.56%
Flagstar Bank 12, 0.02% 3.70%
Cherry Creek Mortgage Co Inc 13, 0.07% 12.96%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CIBM Bank 1, -0.03% 10.71%
Associated Bank 2, -0.02% 7.14%
Wisconsin Mortgage Corporation 3, -0.02% 7.14%
Inlanta Mortgage 4, -0.02% 10.71%
Flagstar Bank 5, -0.01% 7.14%
Us Bank 6, -0.00% 3.57%
Cherry Creek Mortgage Co Inc 7, 0.00% 3.57%
Towne Mortgage Company 8, 0.01% 7.14%
First Federal Bank 9, 0.01% 3.57%
Quicken Loans 10, 0.02% 39.29%

* Data is compiled for the Sheboygan, WI commuting zone area, which comprises of counties of Manitowoc County, WI, and Sheboygan County, WI. This includes cities/towns/communities of Sheboygan, WI as well as Manitowoc, WI, Plymouth, WI, Kohler, WI, Sheboygan Falls, WI, Two Rivers, WI, Oostburg, WI, Valders, WI, Francis Creek, WI, Cleveland, WI, Howards Grove, WI, Random Lake, WI, Mishicot, WI, Kiel, WI, Elkhart Lake, WI, Reedsville, WI, Cascade, WI, Glenbeulah, WI, and Hingham, 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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