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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Appleton
Updated February 5, 2026
Market Overview
52
Total Lenders
2,899
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | $611 | -0.341% | 471 | |
2 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $510 | -0.153% | 199 | |
3 | Johnson Bank | Exceptional | Exceptional | Exceptional | Strong | $319 | +0.003% | 53 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $568 | -0.114% | 97 | |
5 | Bank First, N.A. | Exceptional | Exceptional | Exceptional | Sound | $152 | -0.096% | 26 | |
6 | CAPITAL Credit Union | Exceptional | Strong | Strong | Exceptional | $634 | -0.153% | 173 | |
7 | Old National Bank | Exceptional | Exceptional | Strong | Sound | $1,180 | -0.165% | 21 | |
8 | COVANTAGE CREDIT UNION | Strong | Strong | Strong | Strong | $4,470 | -0.555% | 74 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $645 | +0.120% | 64 | |
10 | Nicolet National Bank | Strong | Sound | Strong | Exceptional | $936 | +0.182% | 134 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,585 | +0.118% | 111 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,936 | +0.069% | 108 | |
13 | UNISON CREDIT UNION | Strong | Strong | Sound | Strong | $552 | +0.164% | 29 | |
14 | Bank Five Nine | Strong | Strong | Strong | Sound | $706 | +0.258% | 25 | |
15 | PROSPERA Credit Union | Strong | Strong | Sound | Strong | $1,290 | +0.026% | 22 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,370 | +0.270% | 57 | |
17 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $1,436 | +0.219% | 34 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,303 | +0.326% | 130 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $1,896 | +0.429% | 113 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,708 | +0.369% | 84 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,228 | +0.467% | 78 | |
22 | Home State Bank, National Association | Strong | Sound | Sound | Strong | $1,816 | +0.268% | 74 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,817 | +0.192% | 39 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,670 | +0.104% | 29 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,544 | -0.089% | 26 | |
26 | NexBank | Strong | Sound | Strong | Sound | $1,148 | +0.149% | 25 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,680 | +0.662% | 55 | |
28 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $657 | +0.433% | 42 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,470 | +0.604% | 29 | |
30 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,795 | +0.309% | 23 | |
31 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $1,712 | +0.246% | 20 | |
32 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,209 | +0.362% | 20 | |
33 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,887 | +0.391% | 67 | |
34 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $2,633 | +0.171% | 32 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,436 | +0.569% | 46 | |
36 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $2,641 | +0.456% | 30 | |
37 | Wolfe Financial, Inc | Sound | Mediocre | Sound | Sound | $4,207 | +0.559% | 22 | |
38 | MARINE CREDIT UNION | Sound | Mediocre | Sound | Sound | $3,068 | +1.713% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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