# Johnson Bank

> **Canonical URL:** https://saferate.com/lenders/johnson-bank


> **📋 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


Johnson Bank is a bank, headquartered in RACINE, WI, serving borrowers across 20 states, with 1,807 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** IWRZQFYIRJ0IMURZBB68
- **Headquarters:** RACINE, WI
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AR, AZ, CO, FL, GA, IA, IL, IN, KY, MI, MN, MO, MS, MT, NC, OH, SC, TN, TX, WI
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.031%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $521
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,807
- **Dollar Volume:** $676 million
- **Applications Received:** 2,206
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,965
- **Average Borrower Income:** $178,010
- **Average Property Value:** $506,793

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (90%)
- 💎 **Purchase Diamond Champion** (84%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 1,722 | +0.026% | $519 | Exceptional 🤩 |
| VA | 57/100 | 14 | -0.306% | $475 | Sound ☺️ |
| Jumbo | 79/100 | 71 | +0.470% | $658 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,423 loans, Score: 82/100 (Exceptional)
- Refinance: 299 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 64 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 1,499 | $568M | +0.052% | Exceptional 🤩 |
| Refinance | 76/100 | 308 | $108M | -0.051% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 1,674 | 2.54% | 96/100 |
| IL | 42 | 0.03% | 50/100 |
| FL | 19 | 0.01% | 37/100 |
| MN | 15 | 0.02% | 41/100 |
| CO | 12 | 0.01% | 38/100 |
| AZ | 11 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Milwaukee | WI | 462 | 88/100 |
| Non |  | 288 | 65/100 |
| Janesville | WI | 213 | 100/100 |
| Madison, WI | WI | 176 | 75/100 |
| Racine | WI | 173 | 90/100 |
| Green Bay, WI | WI | 140 | 86/100 |
| Kenosha, WI | WI | 126 | 94/100 |
| Appleton, WI | WI | 53 | 65/100 |
| Sheboygan, WI | WI | 25 | 61/100 |
| Oshkosh | WI | 18 | 50/100 |
| Rockford, IL | IL | 14 | 46/100 |
| Minneapolis | MN-WI | 13 | 41/100 |
| Chicago | IL | 12 | 39/100 |
| Lake County, IL | IL | 11 | 42/100 |

## Where This Lender Ranks

Johnson Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🥇 **#1** in Wisconsin Banks
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks)
- 🥇 **#1** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Wisconsin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Milwaukee
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders)
- 🥇 **#1** in Milwaukee Banks
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks)
- 🥇 **#1** in Milwaukee for Conventional Loans
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Milwaukee for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Janesville
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders)
- 🥇 **#1** in Janesville Banks
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks)
- 🥇 **#1** in Janesville for Conventional Loans
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Janesville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Madison, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Racine
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders)
- 🥇 **#1** in Racine Banks
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/banks)
- 🥇 **#1** in Racine for Conventional Loans
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Racine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Green Bay, WI Banks
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks)
- 🥇 **#1** in Green Bay, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Green Bay, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Johnson Bank offer?

Johnson Bank offers the following mortgage loan types: Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Johnson Bank offer mortgages?

Johnson Bank offers mortgages in 20 states: AR, AZ, CO, FL, GA, IA, IL, IN, KY, MI, MN, MO, MS, MT, NC, OH, SC, TN, TX, WI.

### How competitive are Johnson Bank's mortgage rates?

Johnson Bank has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.031% above market average.

### What type of lender is Johnson Bank?

Johnson Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in RACINE, WI.

### What is Johnson Bank's loan approval success rate?

Johnson Bank has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/johnson-bank

### How to Cite

> "Johnson Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/johnson-bank

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