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