Mortgage Lenders and Brokers in Watertown, Wisconsin
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Watertown, Wisconsin mortgage lenders include Ixonia BankIxonia Bank1725 S Church St, Watertown, WI 53094A+5.0 ★Texas Ratio: 2.14%, Associated Bank NAAssociated Bank NA600 Main Street, Watertown, WI 53094A+5.0 ★Texas Ratio: 3.45%, Bank First N.A.Bank First N.A.104 W Main St, Watertown, WI 53094A+5.0 ★Texas Ratio: 3.47%, BMO Harris Bank NABMO Harris Bank NA205 N 2nd St, Watertown, WI 53094A+5.0 ★Texas Ratio: 3.54%, Summit Credit UnionSummit Credit Union1610 S Church St, Watertown, WI 53094A+5.0 ★Texas Ratio: 4.84%, Landmark Credit UnionLandmark Credit Union1901 Market Way, Watertown, WI 53094A+5.0 ★Texas Ratio: 3.05%, Wisconsin Mortgage CorporationWisconsin Mortgage Corporation1395 Bluestem Blvd, Altoona, WI 54720A+5.0 ★Texas Ratio: 3.22%, Bank Five NineBank Five Nine18815 W Capitol Dr, Brookfield, WI 53045A5.0 ★Texas Ratio: 8.25%, Johnson BankJohnson Bank222 W College Ave, Appleton, WI 54911A+5.0 ★Texas Ratio: 1.47%, and Huntington National BankHuntington National Bank12850 W Bluemound Rd, Elm Grove, WI 53122A+5.0 ★Texas Ratio: 3.66%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Watertown, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watertown are listed first, then lenders elsewhere in Wisconsin, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Watertown, Wisconsin
Market share is the lender's share of all home loans closed in Watertown, Wisconsin. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Watertown 1725 S Church St, Watertown, WI 53094 A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 11 | 2.8% | 100% | $175,000 | View |
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1 office in Watertown 600 Main Street, Watertown, WI 53094 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 8 +23 HELOCs |
2% | 66.7% | $202,500 | View |
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1 office in Watertown 104 W Main St, Watertown, WI 53094 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 7 +5 HELOCs |
1.8% | 100% | $196,428 | View |
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1 office in Watertown 205 N 2nd St, Watertown, WI 53094 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +16 HELOCs |
0.3% | 50% | $85,000 | View |
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1610 S Church St, Watertown, WI 53094 A+5.0 ★Texas Ratio: 4.84% |
Conventional, HELOC | 41 +92 HELOCs |
10.4% | 88.2% | $232,804 | View |
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1901 Market Way, Watertown, WI 53094 A+5.0 ★Texas Ratio: 3.05% |
Conventional, HELOC | 34 +48 HELOCs |
8.6% | 94.4% | $156,470 | View |
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1395 Bluestem Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA | 10 | 2.5% | 90.9% | $201,000 | View |
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18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25% |
Conventional, FHA | 10 | 2.5% | 100% | $191,000 | View |
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222 W College Ave, Appleton, WI 54911 A+5.0 ★Texas Ratio: 1.47% |
Conventional, VA, HELOC | 7 +3 HELOCs |
1.8% | 100% | $330,714 | View |
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12850 W Bluemound Rd, Elm Grove, WI 53122 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 6 +2 HELOCs |
1.5% | 100% | $246,666 | View |
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700 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 6 | 1.5% | 85.7% | $316,666 | View |
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70 N Main St, Fort Atkinson, WI 53538 A+5.0 ★Texas Ratio: 2.14% |
Conventional | 6 | 1.5% | 75% | $205,000 | View |
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18300 W Capitol Dr, Brookfield, WI 53045 A+5.0 ★Texas Ratio: 1.44% |
Conventional | 5 | 1.3% | 100% | $253,000 | View |
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302 Bay St, Chippewa Falls, WI 54729 A5.0 ★Texas Ratio: 13.08% |
Conventional | 5 | 1.3% | 71.4% | $127,000 | View |
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2445 W Northland Ave, Appleton, WI 54914 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 3 +2 HELOCs |
0.8% | 75% | $341,666 | View |
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102 W Main St, Cambridge, WI 53523 A+5.0 ★Texas Ratio: 0.55% |
Conventional | 3 | 0.8% | 100% | $235,000 | View |
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550 W Tyranena Park Rd, Lake Mills, WI 53551 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 0.8% | 75% | $225,000 | View |
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1154 Cranston Rd, Beloit, WI 53511 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $140,000 | View |
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102 Keller Ave S, Amery, WI 54001 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 0.5% | 100% | $310,000 | View |
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W236s7050 Big Bend Dr, Big Bend, WI 53103 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 2 | 0.5% | 100% | $125,000 | View |
Heartland Credit Union
120 Vinburn Rd, DeForest, WI 53532 1487 |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | |
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419 W Cottage Grove Rd, Cottage Grove, WI 53527 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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7707 N Brookline Dr, Madison, WI 53719 A+5.0 ★Texas Ratio: 0.12% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
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1574 W Broadway, Madison, WI 53713 A5.0 ★Texas Ratio: 10.59% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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3321 N Ballard Rd, Appleton, WI 54911 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 100% | $145,000 | View |
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N15w30921 Golf Rd, Delafield, WI 53018 A+5.0 ★Texas Ratio: 0.46% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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202 Merchant Row, Milton, WI 53563 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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112 S Mound Ave, Belmont, WI 53510 A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Great Midwest Bank SSB
505 W Brown Deer Rd, Bayside, WI 53217 |
Conventional | 1 | 0.3% | 100% | $215,000 | |
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185 S Main St, Adams, WI 53910 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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★ 1.7 stars, 3 reviews 12805 W Bluemound Rd, Brookfield, WI 53005 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 30 | 7.6% | 100% | $271,333 | |
Uw Credit Union
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Conventional, HELOC | 7 +9 HELOCs |
1.8% | 87.5% | $256,428 | |
A+ Mortgage Services, Inc.
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Conventional | 5 | 1.3% | 100% | $305,000 | |
Educated Mortgage Services LLC
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Conventional, VA | 4 | 1% | 100% | $260,000 | |
Thompson Kane & Company, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $205,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 7.1% | 93.5% | $187,142 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 2.3% | 81.8% | $219,444 | |
Guild Mortgage Company
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Conventional, FHA, VA | 9 | 2.3% | 91.7% | $270,555 | |
United Wholesale Mortgage
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Conventional, VA | 8 | 2% | 81.8% | $275,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 8 | 2% | 100% | $277,500 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.8% | 100% | $87,857 | |
Mortgage Research Center
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Conventional, VA | 7 | 1.8% | 53.8% | $267,857 | |
Pennymac Loan Services LLC
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Conventional, FHA | 6 | 1.5% | 85.7% | $203,333 | |
Union Home Mortgage Corp.
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Conventional, FHA | 6 | 1.5% | 100% | $183,333 | |
Planet Home Lending, LLC
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FHA | 5 | 1.3% | 100% | $239,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1% | 66.7% | $245,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 4 | 1% | 100% | $190,000 | |
Nations Lending Corporation
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Conventional, FHA | 4 | 1% | 100% | $290,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1% | 100% | $172,500 | |
Prosperity Home Mortgage, LLC
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Conventional | 4 | 1% | 100% | $237,500 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 0.8% | 100% | $178,333 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA | 3 | 0.8% | 100% | $315,000 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $315,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.5% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, VA | 2 | 0.5% | 100% | $265,000 | View |
First State Mortgage Services
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Conventional | 2 | 0.5% | 100% | $200,000 | |
New Day Financial, LLC.
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VA | 2 | 0.5% | 66.7% | $195,000 | |
Provident Funding Associates
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Conventional | 2 | 0.5% | 100% | $325,000 | |
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A-5.0 ★Texas Ratio: 15.03% |
Conventional | 2 | 0.5% | 100% | $100,000 | View |
Spring Eq, LLC
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Conventional | 2 | 0.5% | 40% | $60,000 | |
Navy Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $45,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Nbkc Bank
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VA | 1 | 0.3% | 100% | $385,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $295,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 50% | $285,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 25% | $55,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $255,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.3% | 100% | $265,000 | |
Flat Branch Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $335,000 | |
Geneva Financial LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
BoxCar Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $405,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.3% | 100% | $375,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional | 1 | 0.3% | 100% | $325,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.3% | 100% | $365,000 | View |
Zillow Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
Veritas Funding, LLC
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VA | 1 | 0.3% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $215,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 25% | $255,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.3% | 100% | $245,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.3% | 100% | $355,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Farmers Insurance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.56% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Watertown Mortgage Rate Trends
Daily average mortgage rates for Wisconsin compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Watertown, Wisconsin
Looking for mortgage lenders near me or mortgage brokers near me in Watertown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watertown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watertown, WI
Use these to narrow the list above. Each category shows how many Watertown, WI lenders fit and what that kind of lender is usually best for.
Who Lends in Watertown, WI
Independent mortgage companies closed 50.5 percent of home loans in Watertown, Wisconsin in 2025, banks 25.9 percent and credit unions 23.6 percent. Wisconsin Mortgage Corporation was the largest mortgage company, Ixonia Bank the largest bank and Summit Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Ixonia Bank led with 11 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Wisconsin. Real estate transfer fee of $3 per $1,000 of value (0.3 percent), paid by the seller (Wis. Stat. 77.22); no mortgage tax.
More Wisconsin Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Watertown, WI
By home loans closed in 2025, Ixonia Bank was the largest mortgage lender in Watertown, Wisconsin with 11 loans, about 2.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Watertown, Wisconsin in 2025, led by Rocket Mortgage with 7. 19 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 35 banks and 11 credit unions closed home loans in Watertown, Wisconsin in 2025, alongside 52 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Watertown, Wisconsin during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Watertown, Wisconsin for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Watertown. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
