Safe Rate Rankings

Best Mortgage Lenders in Fond du Lac

Updated February 6, 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 Lenders29

Total Loans872

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Exceptional	$565Fees	0.011%Above	65
2	Bank First, N.A.Bank	Exceptional	Exceptional	Exceptional	Strong	$254Fees	0.079%Below	40
3	National Exchange Bank and TrustBank	Exceptional	Strong	Exceptional	Exceptional	$114Fees	0.048%Above	116
4	Horicon BankBank	Exceptional	Exceptional	Strong	Strong	$180Fees	0.014%Below	45
5	Summit Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$219Credit	0.120%Below	33
6	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$385Fees	0.181%Above	84
7	VERVE, A CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$698Fees	0.047%Below	28
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,742Fees	0.457%Above	62
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,596Fees	0.726%Above	52
10	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$913Credit	0.425%Above	30
11	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,847Fees	0.537%Above	26
12	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Strong	$1,314Fees	1.111%Above	44

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.