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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 Mortgage Lenders in Janesville
Updated February 5, 2026
Market Overview
41
Total Lenders
1,847
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | $639 | +0.032% | 213 | |
2 | Summit Credit Union | Exceptional | Exceptional | Strong | Exceptional | $79 | +0.095% | 149 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $479 | +0.046% | 54 | |
4 | Blackhawk Community Credit Union | Exceptional | Strong | Strong | Exceptional | $864 | +0.219% | 111 | |
5 | First Community CU of Beloit | Exceptional | Exceptional | Acceptable | Exceptional | $582 | +0.090% | 56 | |
6 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | Strong | Sound | $204 | +0.091% | 26 | |
7 | Old National Bank | Exceptional | Exceptional | Strong | Sound | $990 | +0.111% | 22 | |
8 | University of Wisconsin Credit Union | Strong | Strong | Strong | Strong | $715 | +0.252% | 82 | |
9 | First Mid Bank & Trust, National Association | Strong | Strong | Strong | Strong | $1,151 | +0.080% | 53 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $456 | +0.362% | 41 | |
11 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,569 | +0.444% | 27 | |
12 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Exceptional | $2,263 | +0.672% | 76 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,182 | +0.141% | 56 | |
14 | The Bank of New Glarus | Strong | Strong | Strong | Sound | $378 | +0.628% | 21 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,389 | +0.703% | 146 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,990 | +0.504% | 122 | |
17 | The First National Bank and Trust Company | Strong | Sound | Sound | Exceptional | $1,157 | +0.421% | 73 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,012 | +0.553% | 65 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,500 | +0.295% | 30 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,365 | +0.348% | 20 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,215 | +0.382% | 61 | |
22 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $1,337 | +0.308% | 46 | |
23 | Bell Bank | Strong | Acceptable | Exceptional | Sound | $4,363 | +0.345% | 30 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,264 | +0.508% | 22 | |
25 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,245 | +0.246% | 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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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