Safe Rate Rankings

Best VA Mortgage Lenders in Madison

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 Lenders65

Total Loans7,150

Median Rate Spread0.13%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,854Fees	0.011%Below	126
2	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,041Fees	0.130%Above	148
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,001Fees	0.607%Below	29
4	Bell BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,966Fees	0.097%Above	240
5	The Bank of New GlarusBank	Exceptional	Strong	—	Strong	Exceptional	$583Fees	0.275%Above	240
6	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,488Fees	0.145%Above	33
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$555Fees	0.166%Below	21
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,548Credit	0.006%Below	20
9	THOMPSON KANE & COMPANY, INCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$1,773Fees	0.279%Above	549
10	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$2,237Fees	0.187%Below	17
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,134Fees	0.016%Above	444
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,143Fees	0.325%Above	191
13	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,755Fees	0.121%Above	66
14	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,621Fees	0.240%Above	237
15	Barrington Bank & Trust Company, National AssociationBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,020Fees	0.075%Above	438
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,971Fees	0.536%Above	70
17	Nations Lending CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$1,773Fees	0.489%Above	64

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.