Safe Rate Rankings

Best Conventional Mortgage Lenders in Janesville

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 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%

Janesville Market Insights

Johnson Bank is Safe Rate's top-ranked Conventional lender in Janesville, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Janesville, Educators Credit Union and Associated Bank National Association scores highest on Conventional pricing while Rocket Mortgage and Johnson Bank leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #11 in Janesville, 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 Janesville: Rocket Mortgage (#10) and Johnson Bank (#1).

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Overall Rankings

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson Bank BankDirect	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$639Fees	0.032%Above	213
2	Summit Credit Union Credit UnionDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$79Fees	0.095%Above	149
3	University of Wisconsin Credit Union Credit UnionDirect	Strong	Strong	Exceptional	Strong	Strong	$715Fees	0.252%Above	82
4	Associated Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$479Fees	0.046%Above	54
5	EDUCATORS CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Strong	Sound	$204Fees	0.091%Above	26
6	Blackhawk Community Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	Exceptional	$864Fees	0.219%Above	111
7	First Mid Bank & Trust, National Association BankDirect	Strong	Strong	Strong	Strong	Strong	$1,151Fees	0.080%Above	53
8	GREENSTATE Credit Union Credit UnionDirect	Strong	Exceptional	Exceptional	Exceptional	Sound	$797Fees	0.205%Above	13
9	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$456Fees	0.362%Above	41
10	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,990Fees	0.504%Above	122
11	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,182Fees	0.141%Above	56
12	Old National Bank BankDirect	Strong	Exceptional	Exceptional	Strong	Sound	$990Fees	0.111%Above	22
13	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,389Fees	0.703%Above	146
14	THOMPSON KANE & COMPANY, INC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Exceptional	$2,263Fees	0.672%Above	76
15	First Community CU of Beloit Credit UnionDirect	Strong	Exceptional	Sound	Strong	Exceptional	$582Fees	0.090%Above	56
16	The First National Bank and Trust Company BankDirect	Strong	Sound	Sound	Strong	Exceptional	$1,157Fees	0.421%Above	73
17	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,500Fees	0.295%Above	30
18	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,303Fees	0.592%Above	15
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,012Fees	0.553%Above	65
20	MORTGAGE CENTER L.C Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Strong	$1,569Fees	0.444%Above	27
21	The Bank of New Glarus BankDirect	Strong	Strong	Strong	Strong	Sound	$378Fees	0.628%Above	21
22	Barrington Bank & Trust Company, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,337Fees	0.308%Above	46
23	Bell Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$4,363Fees	0.345%Above	30
24	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,365Fees	0.348%Above	20
25	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,531Fees	0.318%Above	16
26	Lake Ridge Bank BankDirect	Strong	Exceptional	Sound	Sound	Sound	$363Fees	0.009%Above	16
27	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,264Fees	0.508%Above	22
28	WISCONSIN MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Sound	Sound	Sound	$1,082Fees	0.278%Above	18
29	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Acceptable	$1,805Fees	0.331%Above	10
30	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,939Fees	0.198%Above	19
31	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$1,705Fees	0.441%Above	15
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$2,245Fees	0.246%Above	20
33	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,304Fees	0.595%Above	11
34	BMO Bank National Association BankDirect	Sound	Strong	Strong	Sound	Acceptable	$800Fees	0.314%Above	10
35	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$2,609Fees	0.302%Above	14
36	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,053Fees	0.735%Above	13
37	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,202Fees	0.556%Above	14
38	Ixonia Bank BankDirect	Sound	Mediocre	Exceptional	Strong	Acceptable	$2,076Fees	0.623%Above	10
39	SECURITYNATIONAL MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Sound	$5,542Fees	0.956%Above	16

❓ Frequently Asked Questions

How are mortgage lenders ranked in Janesville?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely 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 Janesville), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. 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 Janesville?+

Based on 2024 HMDA data, 41 lenders originated a combined 1,847 loans in Janesville. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Janesville?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Janesville is 0.36%. 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 Janesville's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ 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.