Safe Rate Rankings

Best Bank Mortgage Lenders in Appleton

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders14

Total Loans785

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Strong	$319Fees	0.003%Above	53
2	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$568Fees	0.114%Below	97
3	Bank First, N.A.Bank	Exceptional	Exceptional	Exceptional	Sound	$152Fees	0.096%Below	26
4	Old National BankBank	Exceptional	Exceptional	Strong	Sound	$1,180Fees	0.165%Below	21
5	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$645Fees	0.120%Above	64
6	Nicolet National BankBank	Strong	Sound	Strong	Exceptional	$936Fees	0.182%Above	134
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,585Fees	0.118%Above	111
8	Bank Five NineBank	Strong	Strong	Strong	Sound	$706Fees	0.258%Above	25
9	Home State Bank, National AssociationBank	Strong	Sound	Sound	Strong	$1,816Fees	0.268%Above	74
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,817Fees	0.192%Above	39
11	NexBankBank	Strong	Sound	Strong	Sound	$1,148Fees	0.149%Above	25
12	Barrington Bank & Trust Company, National AssociationBank	Sound	Acceptable	Strong	Sound	$657Fees	0.433%Above	42
13	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$1,209Fees	0.362%Above	20
14	Ixonia BankBank	Sound	Mediocre	Strong	Sound	$2,641Fees	0.456%Above	30

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.