Safe Rate Rankings

Best All Lender Mortgage Lenders in Janesville

Updated May 21, 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 Lenders41

Total Loans1,847

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	$639Fees	0.032%Above	213
2	Summit Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$79Fees	0.095%Above	149
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$479Fees	0.046%Above	54
4	Blackhawk Community Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$864Fees	0.219%Above	111
5	First Community CU of BeloitCredit Union	Exceptional	Exceptional	Acceptable	Exceptional	$582Fees	0.090%Above	56
6	EDUCATORS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	$204Fees	0.091%Above	26
7	Old National BankBank	Exceptional	Exceptional	Strong	Sound	$990Fees	0.111%Above	22
8	University of Wisconsin Credit UnionCredit Union	Strong	Strong	Strong	Strong	$715Fees	0.252%Above	82
9	First Mid Bank & Trust, National AssociationBank	Strong	Strong	Strong	Strong	$1,151Fees	0.080%Above	53
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$456Fees	0.362%Above	41
11	MORTGAGE CENTER L.CIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,569Fees	0.444%Above	27
12	THOMPSON KANE & COMPANY, INCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,263Fees	0.672%Above	76
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,182Fees	0.141%Above	56
14	The Bank of New GlarusBank	Strong	Strong	Strong	Sound	$378Fees	0.628%Above	21
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,389Fees	0.703%Above	146
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,990Fees	0.504%Above	122
17	The First National Bank and Trust CompanyBank	Strong	Sound	Sound	Exceptional	$1,157Fees	0.421%Above	73
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,012Fees	0.553%Above	65
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,500Fees	0.295%Above	30
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,365Fees	0.348%Above	20
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,215Fees	0.382%Above	61
22	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Strong	Strong	$1,337Fees	0.308%Above	46
23	Bell BankBank	Strong	Acceptable	Exceptional	Sound	$4,363Fees	0.345%Above	30
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,264Fees	0.508%Above	22
25	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,245Fees	0.246%Above	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)

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.