Safe Rate Rankings

Best Conventional Mortgage Lenders in Green Bay

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 Lenders49

Total Loans3,532

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$380Fees	0.033%Below	140
2	Community FirstCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$618Fees	0.381%Below	131
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$434Fees	0.045%Below	251
4	FOX COMMUNITIES Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$558Fees	0.170%Below	238
5	Bank First, N.A.Bank	Exceptional	Exceptional	Strong	Exceptional	Strong	$64Fees	0.088%Above	61
6	COVANTAGE CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$520Fees	0.572%Above	101
7	N.E.W. CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	Strong	$417Fees	0.437%Below	54
8	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$143Credit	0.035%Above	20
9	CAPITAL Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$631Fees	0.146%Below	227
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,004Fees	0.126%Above	75
11	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$597Fees	0.448%Below	22
12	Nicolet National BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$946Fees	0.165%Above	274
13	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,902Fees	0.103%Above	49
14	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$704Fees	0.174%Above	28
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,585Fees	0.118%Above	240
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,533Fees	0.453%Above	156
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,081Fees	0.236%Above	43
18	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,678Fees	0.222%Above	42
19	Bank Five NineBank	Strong	Strong	Strong	Strong	Sound	$1,106Fees	0.136%Above	26
20	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,317Fees	0.254%Above	204
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,291Fees	0.262%Above	148
22	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,722Fees	0.355%Above	111
23	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$651Fees	0.151%Above	69
24	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,423Fees	0.767%Above	20
25	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,345Fees	0.222%Above	19
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,249Fees	0.677%Above	86
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,695Fees	0.400%Above	84
28	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,570Fees	0.387%Above	70
29	POINT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,282Fees	0.431%Above	13
30	Home State Bank, National AssociationBank	Strong	Sound	Strong	Strong	Sound	$1,781Fees	0.399%Above	13
31	NexBankBank	Strong	Sound	Strong	Strong	Sound	$2,243Fees	0.232%Above	13
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,543Fees	0.160%Above	36
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,513Fees	0.656%Above	32
34	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,638Fees	0.312%Above	27
35	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,627Fees	0.163%Above	25
36	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,971Fees	0.404%Above	19
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,977Fees	0.379%Above	17
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,078Fees	0.308%Above	16
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,578Fees	0.430%Above	16
40	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,549Fees	0.623%Above	12
41	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,601Fees	0.645%Above	14
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,814Fees	0.676%Above	14
43	GreenStone Farm Credit Services, FLCAIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,757Fees	1.040%Above	12
44	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,998Fees	0.393%Above	31
45	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,169Fees	1.011%Above	14
46	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Strong	$3,197Fees	1.399%Above	39
47	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Acceptable	$2,524Fees	0.546%Above	11

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.