Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$609Fees	0.024%Above	126
2	EDUCATORS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$30Credit	0.155%Below	110
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$438Fees	0.093%Below	53
4	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$223Credit	0.180%Above	16
5	Bank Five NineBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,197Fees	0.191%Above	83
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$147Fees	0.260%Below	20
7	GATEWAY MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,329Fees	0.363%Above	129
8	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$813Fees	0.147%Above	28
9	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$771Credit	0.388%Above	17
10	Baxter Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$989Fees	0.045%Above	13
11	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$2,330Fees	0.527%Above	10
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,607Fees	0.479%Above	121
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,907Fees	0.253%Above	55
14	TRUSTONE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$1,163Fees	0.134%Above	50
15	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,493Fees	0.365%Above	34
16	Landmark Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$389Fees	0.066%Below	24
17	CONSUMERS COOPERATIVE CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	Sound	$1,014Fees	0.060%Below	14
18	A + MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Strong	Strong	Strong	Sound	$2,362Fees	0.472%Above	12
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,440Fees	0.018%Above	11
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,771Fees	0.512%Above	110
21	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,013Fees	0.127%Above	38
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,157Fees	0.318%Above	16
23	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$614Fees	0.266%Above	12
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,524Fees	0.634%Above	35
25	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,863Fees	0.474%Above	33
26	WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Sound	Sound	Sound	$784Fees	0.012%Below	13
27	North Shore BankBank	Strong	Strong	Sound	Sound	Sound	$170Fees	0.306%Above	10
28	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Acceptable	$704Fees	0.278%Above	10
29	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,448Fees	0.519%Above	130
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,917Fees	0.700%Above	13
31	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,668Fees	0.370%Above	11
32	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,951Fees	0.392%Above	11
33	DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,107Fees	0.630%Above	17
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,889Fees	0.500%Above	12
35	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,226Fees	0.156%Above	10
36	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,097Fees	0.485%Above	10
37	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	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 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.