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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Bank Mortgage Lenders in Madison
Updated February 5, 2026
Market Overview
18
Total Lenders
2,237
Total Loans
0.06%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Lake Ridge Bank | Exceptional | Exceptional | Strong | Exceptional | $457 | +0.031% | 178 | |
2 | Johnson Bank | Exceptional | Exceptional | Exceptional | Strong | $570 | -0.059% | 176 | |
3 | The Park Bank | Exceptional | Exceptional | Strong | Strong | $309 | -0.082% | 151 | |
4 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $1,328 | -0.089% | 97 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $790 | -0.205% | 70 | |
6 | Bank First, N.A. | Exceptional | Exceptional | Exceptional | Sound | $346 | +0.010% | 29 | |
7 | The Bank of New Glarus | Exceptional | Strong | Strong | Exceptional | $583 | +0.275% | 240 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$29 | +0.123% | 139 | |
9 | Bank Five Nine | Strong | Strong | Strong | Sound | $1,221 | -0.001% | 36 | |
10 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,528 | +0.334% | 30 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,116 | +0.136% | 88 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,087 | -0.079% | 31 | |
13 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $2,020 | +0.075% | 438 | |
14 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,966 | +0.097% | 240 | |
15 | BMO Bank National Association | Strong | Sound | Sound | Sound | $520 | +0.263% | 36 | |
16 | One Community Bank | Strong | Sound | Acceptable | Strong | $1,029 | +0.249% | 36 | |
17 | Bank of England | Sound | Acceptable | Strong | Sound | $1,102 | +0.502% | 20 | |
18 | Ixonia Bank | Sound | Mediocre | Strong | Sound | $3,354 | +0.375% | 60 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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