Safe Rate Rankings

Best FHA 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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,182Fees	0.141%Above	56
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$456Fees	0.362%Above	41
3	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,705Fees	0.441%Above	15
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,086Fees	0.480%Above	15
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,990Fees	0.504%Above	122
6	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,389Fees	0.703%Above	146
7	THOMPSON KANE & COMPANY, INCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,263Fees	0.672%Above	76
8	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,012Fees	0.553%Above	65
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,365Fees	0.348%Above	20
10	First Mid Bank & Trust, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,151Fees	0.080%Above	53
11	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,245Fees	0.246%Above	20
12	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,531Fees	0.318%Above	16
13	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,363Fees	0.345%Above	30
14	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,939Fees	0.198%Above	19
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,264Fees	0.508%Above	22
16	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,542Fees	0.956%Above	16
17	MORTGAGE CENTER L.CIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$1,569Fees	0.444%Above	27
18	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,053Fees	0.735%Above	13

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.