Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$639Fees	0.032%Above	213
2	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$79Fees	0.095%Above	149
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$479Fees	0.046%Above	54
4	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$797Fees	0.205%Above	13
5	First Community CU of BeloitCredit Union	Exceptional	Exceptional	Sound	Strong	Exceptional	$582Fees	0.090%Above	56
6	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$990Fees	0.111%Above	22
7	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Strong	$715Fees	0.252%Above	82
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$456Fees	0.362%Above	41
9	EDUCATORS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Sound	$204Fees	0.091%Above	26
10	Blackhawk Community Credit UnionCredit Union	Exceptional	Strong	Sound	Strong	Exceptional	$864Fees	0.219%Above	111
11	THOMPSON KANE & COMPANY, INCIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,263Fees	0.672%Above	76
12	First Mid Bank & Trust, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$1,151Fees	0.080%Above	53
13	MORTGAGE CENTER L.CIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,569Fees	0.444%Above	27
14	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,303Fees	0.592%Above	15
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,990Fees	0.504%Above	122
16	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,337Fees	0.308%Above	46
17	The Bank of New GlarusBank	Strong	Strong	Strong	Strong	Sound	$378Fees	0.628%Above	21
18	Lake Ridge BankBank	Strong	Exceptional	Sound	Sound	Sound	$363Fees	0.009%Above	16
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,389Fees	0.703%Above	146
20	The First National Bank and Trust CompanyBank	Strong	Sound	Sound	Strong	Exceptional	$1,157Fees	0.421%Above	73
21	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,182Fees	0.141%Above	56
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,500Fees	0.295%Above	30
23	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,365Fees	0.348%Above	20
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,012Fees	0.553%Above	65
25	WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Sound	Sound	Sound	$1,082Fees	0.278%Above	18
26	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,531Fees	0.318%Above	16
27	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Acceptable	$800Fees	0.314%Above	10
28	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,363Fees	0.345%Above	30
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,264Fees	0.508%Above	22
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,939Fees	0.198%Above	19
31	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,705Fees	0.441%Above	15
32	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,202Fees	0.556%Above	14
33	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,304Fees	0.595%Above	11
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,245Fees	0.246%Above	20
35	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,609Fees	0.302%Above	14
36	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,053Fees	0.735%Above	13
37	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,805Fees	0.331%Above	10
38	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Acceptable	$2,076Fees	0.623%Above	10
39	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$5,542Fees	0.956%Above	16

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.