MFP’s Home Loan Lenders Community Survey collects Wisconsin’s homeowners feedback and 116 recommendations on home loans lenders in the state. Shopping for a new home loan is not always easy. We gathered data below to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Wisconsin Best Home Loan Lenders
Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Eau Claire, Oshkosh, Janesville, Online lenders.
Wisconsin Home Loans Lenders Satisfaction
Performance and satisfaction of home loans mortgage lenders across Wisconsin by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.32 | 4.36 | 4.44 | 83% |
| Community Banks | 4.32 | 4.37 | 4.47 | 83% |
| Banks | 4.27 | 4.33 | 4.43 | 82% |
| Online Lenders | 4.27 | 4.07 | 4.03 | 91% |
Recommendations are gathered from 1,093 local Wisconsin members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Wisconsin Homeowners:
Wisconsin Down Payment Assistance Programs
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Wisconsin Homeowners.
Milwaukee Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Milwaukee’s area are North Shore Bank, UW Credit Union and BMO Harris Bank.
North Shore Bank (92% Recommend)
- Top-rated in Loan Terms & Rate Satisfaction (4.8) and Support & Guidance (4.9) among all lenders.
- Consistently loved for transparent rate structures and personalized service.
UW Credit Union (89% Recommend)
- Highest Easy Application score (4.7) and near-perfect Support & Guidance (4.8) in the top 3.
- Surveys highlights the streamlined digital application process and responsive loan officers.
BMO Harris Bank (85% Recommend)
- Balanced high scores across all metrics: 4.5 Easy Application, 4.6 Loan Terms, 4.7 Support.
- Users frequently love competitive rate options and branch accessibility in feedback.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| North Shore Bank | Community Bank | 4.6 | 4.8 | 4.9 | 92% |
| UW Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 89% |
| BMO Harris Bank | Bank | 4.5 | 4.6 | 4.7 | 85% |
| Associated Bank | Bank | 4.4 | 4.5 | 4.6 | 83% |
| Tri City National Bank | Community Bank | 4.3 | 4.4 | 4.5 | 81% |
| Old National Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| U.S. Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Spring Bank | Community Bank | 4.0 | 4.1 | 4.2 | 77% |
| Summit Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 76% |
| Wintrust Community Bank | Bank | 3.9 | 4.0 | 4.0 | 75% |
| Nicolet National Bank | Community Bank | 3.8 | 3.9 | 4.0 | 74% |
| Chase Bank | Bank | 3.7 | 3.8 | 3.9 | 73% |
| Wells Fargo | Bank | 3.6 | 3.7 | 3.8 | 72% |
| PNC Bank | Bank | 3.5 | 3.6 | 3.7 | 71% |
| Town Bank | Community Bank | 3.4 | 3.5 | 3.6 | 70% |
Madison Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Madison’s area are UW Credit Union, Heartland Credit Union and Landmark Credit Union.
UW Credit Union (94% Recommend)
- Highest Recommend % (94%) and top scores in Loan Terms & Rate Satisfaction (4.8) and Support & Guidance (4.9).
- Homeowners feedback highlights streamlined digital applications and responsive loan officers.
Heartland Credit Union (91% Recommend)
- Near-perfect Support & Guidance (4.8) and competitive 4.7 Easy Application score among top 3.
- Frequently liked for low introductory rates and transparent terms.
Landmark Credit Union (89% Recommend)
- Balanced high metrics: 4.6 Easy Application, 4.7 Loan Terms, and 4.7 Support & Guidance.
- Consistently liked for hassle-free auto loan processes and mortgage rate satisfaction.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| UW Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 94% |
| Heartland Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 91% |
| Landmark Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 89% |
| Community First Bank | Community Bank | 4.5 | 4.5 | 4.6 | 86% |
| Associated Bank | Bank | 4.4 | 4.4 | 4.5 | 84% |
| BMO Harris Bank | Bank | 4.3 | 4.3 | 4.4 | 82% |
| Old National Bank | Bank | 4.2 | 4.2 | 4.3 | 80% |
| Wings Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 78% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.1 | 77% |
| Summit Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 76% |
| Chase Bank | Bank | 3.9 | 3.9 | 4.0 | 75% |
| Nicolet National Bank | Community Bank | 3.8 | 3.8 | 3.9 | 74% |
| Wells Fargo | Bank | 3.7 | 3.7 | 3.8 | 73% |
| PNC Bank | Bank | 3.6 | 3.6 | 3.7 | 72% |
| Spring Bank | Community Bank | 3.5 | 3.5 | 3.6 | 71% |
Green Bay Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Green Bay’s area are Johnson Bank, Nicolet National Bank and Capital Credit Union.
Johnson Bank (93% Recommend)
- Highest Recommend % (93%) with perfect 5.0 Support & Guidance score and 4.8 Loan Terms rating.
- Homeowners highlight personalized service and efficient closing processes.
Nicolet National Bank (90% Recommend)
- Top-tier Easy Application (4.7) and Loan Terms (4.7) scores among community banks.
- Frequently loved for transparent rate structures and local decision-making.
Capital Credit Union (88% Recommend)
- Balanced excellence with 4.6 Easy Application, 4.7 Loan Terms and 4.8 Support scores.
- Consistent accolades for responsive loan officers and digital application convenience.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Johnson Bank | Bank | 4.7 | 4.8 | 5.0 | 93% |
| Nicolet National Bank | Community Bank | 4.7 | 4.7 | 4.8 | 90% |
| Capital Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 88% |
| Associated Bank | Bank | 4.5 | 4.6 | 4.7 | 86% |
| Premier Community Bank | Community Bank | 4.4 | 4.5 | 4.6 | 84% |
| BMO Harris Bank | Bank | 4.3 | 4.4 | 4.5 | 82% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| U.S. Bank | Bank | 4.0 | 4.1 | 4.2 | 77% |
| Summit Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 76% |
| Chase Bank | Bank | 3.9 | 3.9 | 4.0 | 75% |
| Wells Fargo | Bank | 3.7 | 3.7 | 3.8 | 73% |
| PNC Bank | Bank | 3.6 | 3.6 | 3.7 | 72% |
| Bank of Wisconsin | Community Bank | 3.5 | 3.5 | 3.6 | 71% |
| CoVantage Credit Union | Credit Union | 3.4 | 3.5 | 3.6 | 70% |
| Fox Communities Credit Union | Credit Union | 3.3 | 3.4 | 3.5 | 69% |
Kenosha Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Kenosha’s area are Johnson Bank, North Shore Bank and Educators Credit Union.
Johnson Bank (93% Recommend)
- Highest Recommend % (93%) with perfect 5.0 Support & Guidance score and 4.8 Loan Terms rating.
- Homeowners feedback highlight personalized mortgage services and efficient closing processes.
North Shore Bank (91% Recommend)
- Top scores in Easy Application (4.7) and Loan Terms (4.7) among banks, with 4.8 Support rating.
- Frequently loved for transparent rate structures and local decision-making in home loans.
Educators Credit Union (89% Recommend)
- Balanced excellence with 4.6 Easy Application, 4.7 Loan Terms and 4.7 Support scores.
- Always liked for responsive loan officers and digital application convenience.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Johnson Bank | Bank | 4.7 | 4.8 | 5.0 | 93% |
| North Shore Bank | Bank | 4.7 | 4.7 | 4.8 | 91% |
| Educators Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 89% |
| Associated Bank | Bank | 4.5 | 4.6 | 4.7 | 86% |
| Community State Bank | Community Bank | 4.4 | 4.5 | 4.6 | 84% |
| Bank Five Nine | Community Bank | 4.3 | 4.4 | 4.5 | 82% |
| State Bank of The Lakes | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
| Community First Bank | Community Bank | 4.1 | 4.2 | 4.3 | 78% |
| BMO Harris Bank | Bank | 4.0 | 4.1 | 4.2 | 77% |
| U.S. Bank | Bank | 3.9 | 4.0 | 4.1 | 76% |
Racine Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Racine’s area are Johnson Bank, North Shore Bank and Educators Credit Union.
Johnson Bank (94% Recommend)
- Highest Recommend % (94%) with perfect 5.0 Support & Guidance score and 4.9 Loan Terms rating.
- Homeonewes feedback highlights personalized mortgage services and efficient closing processes.
North Shore Bank (91% Recommend)
- Top scores in Easy Application (4.8) among banks, with 4.7 Loan Terms and 4.8 Support ratings.
- Frequently loved for transparent rate structures and local decision-making in home loans.
Educators Credit Union (89% Recommend)
- Balanced excellence with 4.7 Easy Application, 4.7 Loan Terms and 4.8 Support scores.
- Consistently liked for responsive loan officers and digital application convenience.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Johnson Bank | Bank | 4.8 | 4.9 | 5.0 | 94% |
| North Shore Bank | Bank | 4.8 | 4.7 | 4.8 | 91% |
| Educators Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 89% |
| Community State Bank | Community Bank | 4.6 | 4.6 | 4.7 | 87% |
| Associated Bank | Bank | 4.5 | 4.5 | 4.6 | 85% |
| Landmark Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 84% |
| BMO Harris Bank | Bank | 4.3 | 4.4 | 4.5 | 82% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
Appleton Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Appleton’s area are Johnson Bank, Nicolet National Bank and Bank Five Nine.
Johnson Bank (94% Recommend)
- Highest Recommend % (94%) with perfect 5.0 Support & Guidance score and 4.9 Loan Terms rating.
- Homeowners feedback highlights personalized mortgage services and efficient closing processes.
Nicolet National Bank (91% Recommend)
- Top scores in Easy Application (4.8) among banks, with 4.7 Loan Terms and 4.8 Support ratings.
- Frequently loved for transparent rate structures and local decision-making in home loans.
Bank Five Nine (89% Recommend)
- Balanced excellence with 4.7 Easy Application, 4.7 Loan Terms and 4.8 Support scores.
- Consistently liked for responsive loan officers and digital application convenience.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Johnson Bank | Bank | 4.8 | 4.9 | 5.0 | 94% |
| Nicolet National Bank | Bank | 4.8 | 4.7 | 4.8 | 91% |
| Bank Five Nine | Community Bank | 4.7 | 4.7 | 4.8 | 89% |
| Wolf River Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 87% |
| Premier Community Bank | Community Bank | 4.5 | 4.5 | 4.6 | 85% |
| American National Bank | Bank | 4.4 | 4.5 | 4.6 | 84% |
| Associated Bank | Bank | 4.3 | 4.4 | 4.5 | 82% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
Waukesha Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Waukesha’s area are Waukesha State Bank, Community First Bank and UW Credit Union.
Waukesha State Bank (93% Recommend)
- Highest Recommend % (93%) with perfect 5.0 Support & Guidance score and 4.8 Loan Terms rating.
- Homeowners feedback highlights personalized mortgage services and local decision-making.
Community First Bank (90% Recommend)
- Top scores in Easy Application (4.7) among banks, with 4.7 Loan Terms and 4.8 Support ratings.
- Often loved for transparent rate structures and responsive loan officers.
UW Credit Union (88% Recommend)
- Balanced excellence with 4.6 Easy Application, 4.7 Loan Terms and 4.7 Support scores.
- Consistently liked for digital application convenience and competitive rates.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Waukesha State Bank | Community Bank | 4.7 | 4.8 | 5.0 | 93% |
| Community First Bank | Community Bank | 4.7 | 4.7 | 4.8 | 90% |
| UW Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 88% |
| Associated Bank | Bank | 4.5 | 4.6 | 4.7 | 86% |
| Nicolet National Bank | Bank | 4.4 | 4.5 | 4.6 | 84% |
| BMO Harris Bank | Bank | 4.3 | 4.4 | 4.5 | 82% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| Landmark Credit Union | Credit Union | 4.1 | 4.2 | 4.3 | 78% |
Eau Claire Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Eau Claire’s area are Frandsen Bank, Nicolet National Bank and Merchants Bank.
- Leads with 4.8 in both Loan Terms & Rate Satisfaction and Support & Guidance, highest among top 3 lenders.
- Homeowners feedback highlight exceptional personal guidance throughout the mortgage process.
- Scores 4.7 in Easy Application and 4.6 in Loan Terms, showing strong all-around performance.
- Users frequently mention the lending team’s commitment to personalized service beyond online applications.
- Maintains consistent 4.5+ scores across all categories, particularly strong in Support & Guidance.
- Surveys emphasize the responsive and knowledgeable staff at their Eau Claire location.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Frandsen Bank | Community Bank | 4.6 | 4.8 | 4.8 | 92% |
| Nicolet National Bank | Bank | 4.7 | 4.6 | 4.5 | 89% |
| Merchants Bank | Community Bank | 4.5 | 4.6 | 4.7 | 87% |
| SFB | Bank | 4.4 | 4.5 | 4.4 | 85% |
| UW Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 83% |
| Citizens State Bank | Community Bank | 4.2 | 4.3 | 4.4 | 80% |
Oshkosh Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Oshkosh’s area are Nicolet National Bank, UW Credit Union and Community First Bank.
Nicolet National Bank (92% Recommend)
- Highest Recommend % (92%) with perfect 5.0 Support & Guidance score and 4.8 Loan Terms rating.
- Homeowners feedback highlights personalized mortgage services and local decision-making in Oshkosh.
UW Credit Union (90% Recommend)
- Top scores in Easy Application (4.8) with 4.7 Loan Terms and 4.8 Support ratings among credit unions.
- Frequently loved for digital application convenience and competitive rates.
Community First Bank (88% Recommend)
- Balanced excellence with 4.7 Easy Application, 4.7 Loan Terms and 4.8 Support scores.
- Consistently liked for responsive loan officers and transparent rate structures.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Nicolet National Bank | Bank | 4.7 | 4.8 | 5.0 | 92% |
| UW Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 90% |
| Community First Bank | Community Bank | 4.7 | 4.7 | 4.8 | 88% |
| Associated Bank | Bank | 4.6 | 4.6 | 4.7 | 86% |
| Bank of Wisconsin | Community Bank | 4.5 | 4.5 | 4.6 | 84% |
| BMO Harris Bank | Bank | 4.4 | 4.5 | 4.6 | 82% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.5 | 80% |
| Landmark Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 78% |
Janesville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Janesville’s area are Johnson Bank, First National Bank and Trust, and Blackhawk Community Credit Union.
Johnson Bank (94% Recommend)
- Highest Recommend % (94%) with perfect 5.0 Support & Guidance score and 4.9 Loan Terms rating.
- Homeowners feedback highlights personalized mortgage services and efficient closing processes.
First National Bank and Trust (91% Recommend)
- Top scores in Easy Application (4.8) among banks, with 4.7 Loan Terms and 4.8 Support ratings.
- Frequently loved for transparent rate structures and local decision-making in home loans.
Blackhawk Community Credit Union (88% Recommend)
- Balanced excellence with 4.7 Easy Application, 4.7 Loan Terms and 4.7 Support scores.
- Consistently liked for competitive rates and responsive loan officers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Johnson Bank | Bank | 4.8 | 4.9 | 5.0 | 94% |
| First National Bank and Trust | Community Bank | 4.8 | 4.7 | 4.8 | 91% |
| Blackhawk Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 88% |
| Associated Bank | Bank | 4.6 | 4.6 | 4.7 | 86% |
| Landmark Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 84% |
| Old National Bank | Bank | 4.4 | 4.5 | 4.6 | 82% |
| Heartland Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 80% |
| U.S. Bank | Bank | 4.2 | 4.3 | 4.4 | 78% |
Wisconsin Best Online Home Loan Lenders
MFP’s Digital Lenders Survey: Top online home purchase lenders for Wisconsin residents are UW Credit Union, Summit Credit Union, and Rocket Mortgage.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| UW Credit Union | $50,000 – $2,000,000 | 6.25% – 7.99% | 10/15/20/30 | 5.0 | 4.5 | 5.0 | 98% |
| Summit Credit Union | $50,000 – $1,500,000 | 6.50% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 97% |
| Rocket Mortgage | $50,000 – $6,500,000 | 6.25% – 8.75% | 8/15/20/30 | 5.0 | 4.0 | 4.0 | 96% |
| Better Mortgage | $50,000 – $4,000,000 | 6.50% – 8.00% | 10/15/20/30 | 5.0 | 4.0 | 4.5 | 95% |
| Chase Home Lending | $50,000 – $5,000,000 | 6.50% – 8.00% | 7/10/15/20/30 | 4.0 | 4.0 | 4.0 | 94% |
| Flagstar Bank | $75,000 – $3,000,000 | 6.25% – 7.75% | 5/10/15/20/30 | 4.0 | 4.5 | 4.0 | 93% |
| SoFi | $50,000 – $5,000,000 | 6.75% – 8.25% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 92% |
| PNC Bank | $50,000 – $5,000,000 | 6.75% – 8.25% | 10/15/20/25/30 | 4.0 | 4.0 | 3.5 | 91% |
| Bank of America | $100,000 – $5,000,000 | 6.25% – 7.75% | 10/15/20/30 | 4.5 | 4.0 | 3.5 | 90% |
| Wells Fargo | $50,000 – $5,000,000 | 6.50% – 8.00% | 8/10/15/20/30 | 4.0 | 4.0 | 3.5 | 89% |
| US Bank | $50,000 – $4,000,000 | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 88% |
| First Federal Bank of Wisconsin | $100,000 – $2,000,000 | 6.00% – 7.50% | 10/15/20/30 | 4.0 | 4.5 | 5.0 | 87% |
| Citibank | $50,000 – $5,000,000 | 6.50% – 8.00% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 86% |
| Associated Bank | $50,000 – $3,000,000 | 6.25% – 7.75% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| North Shore Bank | $50,000 – $2,000,000 | 6.50% – 8.00% | 10/15/20/30 | 3.5 | 4.0 | 4.0 | 84% |
