Safe Rate Rankings

Best Conventional Mortgage Company 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 Lenders22

Total Loans2,899

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,303Fees	0.326%Above	130
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,936Fees	0.069%Above	108
3	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,708Fees	0.369%Above	84
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,716Fees	0.234%Above	16
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,896Fees	0.429%Above	113
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,228Fees	0.467%Above	78
7	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,370Fees	0.270%Above	57
8	POINT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,431Fees	0.140%Above	19
9	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,436Fees	0.569%Above	46
10	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,436Fees	0.219%Above	34
11	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,470Fees	0.604%Above	29
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,670Fees	0.104%Above	29
13	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,795Fees	0.309%Above	23
14	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,712Fees	0.246%Above	20
15	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,465Fees	0.107%Above	15
16	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,141Fees	0.605%Above	11
17	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Acceptable	$627Fees	0.023%Above	10
18	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,887Fees	0.391%Above	67
19	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,680Fees	0.662%Above	55
20	GO MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,711Fees	0.671%Above	13
21	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,633Fees	0.171%Above	32
22	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,207Fees	0.559%Above	22

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.