# Best Conventional Mortgage Lenders in Janesville

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Janesville. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/janesville/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 41
- **Total Loans:** 1,847
- **Median Rate Spread:** 0.3611951219512195%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Johnson Bank | 100 | 90 | 83 | 213 | Bank |
| 2 | Summit Credit Union | 95 | 88 | 64 | 149 | Credit Union |
| 3 | Associated Bank, National Association | 89 | 93 | 70 | 54 | Bank |
| 4 | GREENSTATE Credit Union | 88 | 88 | 81 | 13 | Credit Union |
| 5 | University of Wisconsin Credit Union | 85 | 74 | 76 | 82 | Credit Union |
| 6 | U.S. Bank National Association | 85 | 75 | 69 | 41 | Bank |
| 7 | THOMPSON KANE & COMPANY, INC | 83 | 46 | 83 | 76 | Independent Mortgage Company |
| 8 | First Community CU of Beloit | 83 | 82 | 66 | 56 | Credit Union |
| 9 | Old National Bank | 83 | 84 | 69 | 22 | Bank |
| 10 | First Mid Bank & Trust, National Association | 80 | 79 | 73 | 53 | Bank |
| 11 | MORTGAGE CENTER L.C | 80 | 71 | 66 | 27 | Independent Mortgage Company |
| 12 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 122 | Independent Mortgage Company |
| 13 | Blackhawk Community Credit Union | 79 | 77 | 73 | 111 | Credit Union |
| 14 | Barrington Bank & Trust Company, National Association | 79 | 46 | 68 | 46 | Bank |
| 15 | EDUCATORS CREDIT UNION | 79 | 96 | 72 | 26 | Credit Union |
| 16 | The Huntington National Bank | 79 | 63 | 75 | 15 | Bank |
| 17 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 146 | Independent Mortgage Company |
| 18 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 56 | Independent Mortgage Company |
| 19 | The Bank of New Glarus | 74 | 69 | 79 | 21 | Bank |
| 20 | The First National Bank and Trust Company | 73 | 59 | 73 | 73 | Bank |
| 21 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 30 | Bank |
| 22 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 20 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 65 | Independent Mortgage Company |
| 24 | Nations Lending Corporation | 70 | 33 | 86 | 16 | Independent Mortgage Company |
| 25 | Lake Ridge Bank | 68 | 85 | 58 | 16 | Bank |
| 26 | Bell Bank | 66 | 36 | 80 | 30 | Bank |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 22 | Independent Mortgage Company |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 19 | Independent Mortgage Company |
| 29 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 15 | Independent Mortgage Company |
| 30 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 14 | Independent Mortgage Company |
| 31 | DAS Acquisition Company, LLC | 66 | 29 | 75 | 11 | Independent Mortgage Company |
| 32 | WISCONSIN MORTGAGE CORPORATION | 64 | 77 | 53 | 18 | Independent Mortgage Company |
| 33 | PLANET HOME LENDING, LLC | 63 | 35 | 69 | 14 | Independent Mortgage Company |
| 34 | BMO Bank National Association | 63 | 62 | 48 | 10 | Bank |
| 35 | NEWREZ LLC | 62 | 31 | 58 | 20 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 13 | Independent Mortgage Company |
| 37 | FIRST COLONY MORTGAGE CORPORATION | 60 | 38 | 77 | 10 | Independent Mortgage Company |
| 38 | Ixonia Bank | 50 | 19 | 71 | 10 | Bank |
| 39 | SECURITYNATIONAL MORTGAGE COMPANY | 49 | 8 | 47 | 16 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Janesville.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.