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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $611 | -0.341% | 471 | |
2 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $510 | -0.153% | 199 | |
3 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $319 | +0.003% | 53 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $568 | -0.114% | 97 | |
5 | Bank First, N.A. | Exceptional | Exceptional | Strong | Exceptional | Sound | $152 | -0.096% | 26 | |
6 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,180 | -0.165% | 21 | |
7 | Summit Credit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | -$238 | -0.170% | 18 | |
8 | CAPITAL Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $634 | -0.153% | 173 | |
9 | COVANTAGE CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Strong | $4,470 | -0.555% | 74 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $645 | +0.120% | 64 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $0 | -0.319% | 15 | |
12 | Nicolet National Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $936 | +0.182% | 134 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,585 | +0.118% | 111 | |
14 | University of Wisconsin Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $590 | -0.009% | 18 | |
15 | National Exchange Bank and Trust | Exceptional | Strong | Strong | Exceptional | Sound | $303 | +0.141% | 14 | |
16 | VERVE, A CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Sound | $562 | -0.386% | 14 | |
17 | Bank Five Nine | Strong | Strong | Strong | Strong | Sound | $706 | +0.258% | 25 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,303 | +0.326% | 130 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,936 | +0.069% | 108 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,708 | +0.369% | 84 | |
21 | Home State Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,816 | +0.268% | 74 | |
22 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $657 | +0.433% | 42 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,817 | +0.192% | 39 | |
24 | UNISON CREDIT UNION | Strong | Strong | Acceptable | Strong | Strong | $552 | +0.164% | 29 | |
25 | PROSPERA Credit Union | Strong | Strong | Acceptable | Strong | Strong | $1,290 | +0.026% | 22 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,716 | +0.234% | 16 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,896 | +0.429% | 113 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,228 | +0.467% | 78 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,370 | +0.270% | 57 | |
30 | NexBank | Strong | Sound | Strong | Strong | Sound | $1,148 | +0.149% | 25 | |
31 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Sound | $1,431 | +0.140% | 19 | |
32 | BMO Bank National Association | Strong | Strong | Strong | Sound | Acceptable | $542 | +0.482% | 10 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,436 | +0.569% | 46 | |
34 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,436 | +0.219% | 34 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,470 | +0.604% | 29 | |
36 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,670 | +0.104% | 29 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,795 | +0.309% | 23 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,712 | +0.246% | 20 | |
39 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,209 | +0.362% | 20 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,465 | +0.107% | 15 | |
41 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,141 | +0.605% | 11 | |
42 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Acceptable | $627 | +0.023% | 10 | |
43 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,887 | +0.391% | 67 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,680 | +0.662% | 55 | |
45 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,711 | +0.671% | 13 | |
46 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $2,633 | +0.171% | 32 | |
47 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,641 | +0.456% | 30 | |
48 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Sound | $4,207 | +0.559% | 22 | |
49 | MARINE CREDIT UNION | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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