Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$565Fees	0.011%Above	65
2	Bank First, N.A.Bank	Exceptional	Exceptional	Strong	Exceptional	Strong	$254Fees	0.079%Below	40
3	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$219Credit	0.120%Below	33
4	Community FirstCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$715Fees	0.263%Below	16
5	National Exchange Bank and TrustBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$114Fees	0.048%Above	116
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$385Fees	0.181%Above	84
7	Horicon BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$180Fees	0.014%Below	45
8	VERVE, A CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$698Fees	0.047%Below	28
9	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$385Credit	0.237%Below	17
10	Landmark Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$732Fees	0.076%Above	15
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,742Fees	0.457%Above	62
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,417Fees	0.387%Above	18
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,252Fees	0.261%Above	12
14	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,214Fees	0.332%Above	11
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$2,381Fees	0.239%Above	10
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,596Fees	0.726%Above	52
17	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,272Fees	0.085%Above	17
18	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,467Fees	0.583%Above	10
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,366Fees	0.440%Above	17
20	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,866Fees	0.247%Above	16
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,736Fees	0.442%Above	16
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,827Fees	0.636%Above	13
23	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,253Fees	0.777%Above	11
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,977Fees	0.734%Above	17
25	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,868Fees	1.010%Above	12
26	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Strong	$1,314Fees	1.111%Above	44
27	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,847Fees	0.537%Above	26
28	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$2,444Fees	0.879%Above	19

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.