Safe Rate Rankings

Best Mortgage Lenders in Kenosha

Updated February 5, 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 Lenders40

Total Loans1,509

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	$609Fees	0.024%Above	126
2	EDUCATORS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$30Credit	0.155%Below	110
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$438Fees	0.093%Below	53
4	Bank Five NineBank	Exceptional	Strong	Strong	Exceptional	$1,197Fees	0.191%Above	83
5	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$147Fees	0.260%Below	20
6	GATEWAY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,329Fees	0.363%Above	129
7	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	$1,163Fees	0.134%Above	50
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,013Fees	0.127%Above	38
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$813Fees	0.147%Above	28
10	Landmark Credit UnionCredit Union	Strong	Strong	Strong	Sound	$389Fees	0.066%Below	24
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,607Fees	0.479%Above	121
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,771Fees	0.512%Above	110
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,907Fees	0.253%Above	55
14	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,863Fees	0.474%Above	33
15	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,448Fees	0.519%Above	130
16	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$512Credit	1.226%Above	42
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,524Fees	0.634%Above	35
18	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Strong	Strong	$1,493Fees	0.365%Above	34
19	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,498Fees	1.049%Above	21

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.