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Rankings

Best Conventional Mortgage Lenders in Fond du Lac

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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 Lenders29

Total Loans872

Median Rate Spread0.34%

Fond du Lac Market Insights

Associated Bank National Association is Safe Rate's top-ranked Conventional lender in Fond du Lac, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
Community First and Associated Bank National Association leads on both Conventional pricing and pullthrough, with competitive rates and a strong track record of closing.
United Wholesale Mortgage (UWM) ranks #9 in Fond du Lac, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Fond du Lac: Rocket Mortgage (#11) and National Exchange Bank and Trust (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Fond du Lac

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Associated Bank

BankDirect

Overall

Exceptional

Avg Fees

$565Fees

National Exchange Bank and Trust

BankDirect

Overall

Exceptional

Avg Fees

$114Fees

U.S. Bank National Association

BankDirect

Overall

Exceptional

Avg Fees

$385Fees

Bank First

BankDirect

Overall

Exceptional

Avg Fees

$254Fees

Community First

Credit UnionDirect

Overall

Strong

Avg Fees

$715Fees

Horicon Bank

BankDirect

Overall

Strong

Avg Fees

$180Fees

Summit Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$219Credit

University of Wisconsin Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$385Credit

United Wholesale Mortgage

Independent Mortgage CompanyWholesaleResponds to quote requests promptly

Overall

Strong

Avg Fees

$2,272Fees

Landmark Credit Union

Credit UnionDirect

Overall

Strong

Avg Fees

$732Fees

Rocket Mortgage

Independent Mortgage CompanyDirect & WholesaleHasn't responded yet

Overall

Strong

Avg Fees

$3,742Fees

Guild Mortgage Company

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,596Fees

Verve

Credit UnionDirect

Overall

Strong

Avg Fees

$698Fees

JPMorgan Chase Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$1,417Fees

Fairway Independent Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,736Fees

loanDepot

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$1,252Fees

Bell Bank

BankDirect

Overall

Strong

Avg Fees

$1,253Fees

Wells Fargo Bank

BankDirect

Overall

Strong

Avg Fees

$2,381Fees

CMG Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,827Fees

First Federal Bank

BankDirect

Overall

Strong

Avg Fees

$1,214Fees

Nations Lending Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,467Fees

Prosperity Home Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,866Fees

Cardinal Financial Company

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$3,366Fees

NewRez

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$1,977Fees

American Pacific Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,868Fees

Success Mortgage Partners

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$3,847Fees

Marine Credit Union

Credit UnionDirect

Overall

Sound

Avg Fees

$1,314Fees

Compeer Financial, Flca

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,444Fees

Rank	Lender	Safe Rate Score					Loan Economics			Action
Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans	Action
1	Associated Bank BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$565Fees	0.011%Above	65
2	National Exchange Bank and Trust BankDirect	Exceptional	Strong	Strong	Exceptional	Exceptional	$114Fees	0.048%Above	116
3	U.S. Bank National Association BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$385Fees	0.181%Above	84
4	Bank First BankDirect	Exceptional	Exceptional	Strong	Exceptional	Strong	$254Fees	0.079%Below	40
5	Community First Credit UnionDirect	Strong	Exceptional	Exceptional	Exceptional	Sound	$715Fees	0.263%Below	16
6	Horicon Bank BankDirect	Strong	Exceptional	Sound	Strong	Strong	$180Fees	0.014%Below	45
7	Summit Credit Union Credit UnionDirect	Strong	Exceptional	Exceptional	Strong	Strong	$219Credit	0.120%Below	33
8	University of Wisconsin Credit Union Credit UnionDirect	Strong	Strong	Exceptional	Strong	Sound	$385Credit	0.237%Below	17
9	United Wholesale Mortgage Independent Mortgage CompanyWholesaleResponds to quote requests promptly	Strong	Acceptable*	Exceptional	Exceptional	Sound	$2,272Fees	0.085%Above	17
10	Landmark Credit Union Credit UnionDirect	Strong	Strong	Strong	Strong	Sound	$732Fees	0.076%Above	15
11	Rocket Mortgage Independent Mortgage CompanyDirect & WholesaleHasn't responded yet	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,742Fees	0.457%Above	62
12	Guild Mortgage Company Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,596Fees	0.726%Above	52
13	Verve Credit UnionDirect	Strong	Exceptional	Sound	Strong	Strong	$698Fees	0.047%Below	28
14	JPMorgan Chase Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,417Fees	0.387%Above	18
15	Fairway Independent Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,736Fees	0.442%Above	16
16	loanDepot Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,252Fees	0.261%Above	12
17	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,253Fees	0.777%Above	11
18	Wells Fargo Bank BankDirect	Strong	Strong	Exceptional	Sound	Acceptable	$2,381Fees	0.239%Above	10
19	CMG Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,827Fees	0.636%Above	13
20	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$1,214Fees	0.332%Above	11
21	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,467Fees	0.583%Above	10
22	Prosperity Home Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,866Fees	0.247%Above	16
23	Cardinal Financial Company Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,366Fees	0.440%Above	17
24	NewRez Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$1,977Fees	0.734%Above	17
25	American Pacific Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,868Fees	1.010%Above	12
26	Success Mortgage Partners Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Strong	$3,847Fees	0.537%Above	26
27	Marine Credit Union Credit UnionDirect	Sound	Mediocre	Strong	Sound	Strong	$1,314Fees	1.111%Above	44
28	Compeer Financial, Flca Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$2,444Fees	0.879%Above	19

❓ Frequently Asked Questions

How are mortgage lenders ranked in Fond du Lac, WI?+

Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Fond du Lac, WI), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Fond du Lac, WI?+

Based on 2024 HMDA data, 29 lenders originated a combined 872 loans in Fond du Lac, WI. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Fond du Lac, WI?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Fond du Lac, WI is 0.34%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Fond du Lac, WI's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 40 Points)

10/ 40 pts

Pricing

Rate and fee competitiveness (25%)

10/ 40 pts

Pull Through

Reliability in closing loans (25%)

10/ 40 pts

Product

Specialization in the loan type (25%)

10/ 40 pts

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.