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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 Mortgage Lenders in Milwaukee
Updated February 5, 2026
Market Overview
129
Total Lenders
16,440
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | $379 | +0.119% | 462 | |
2 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $425 | -0.055% | 569 | |
3 | Summit Credit Union | Exceptional | Exceptional | Strong | Exceptional | -$30 | -0.075% | 505 | |
4 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $11 | -0.138% | 414 | |
5 | The Equitable Bank, S.S.B. | Exceptional | Exceptional | Strong | Exceptional | $656 | +0.023% | 197 | |
6 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $927 | -0.065% | 96 | |
7 | Bank First, N.A. | Exceptional | Exceptional | Exceptional | Sound | $294 | +0.049% | 40 | |
8 | Landmark Credit Union | Exceptional | Strong | Strong | Exceptional | $555 | +0.043% | 1,064 | |
9 | University of Wisconsin Credit Union | Exceptional | Strong | Strong | Exceptional | $261 | +0.158% | 692 | |
10 | Bank Five Nine | Exceptional | Strong | Strong | Exceptional | $919 | +0.210% | 567 | |
11 | A + MORTGAGE SERVICES, INC. | Exceptional | Strong | Strong | Exceptional | $1,306 | +0.313% | 373 | |
12 | Waukesha State Bank | Exceptional | Strong | Strong | Exceptional | $337 | +0.149% | 313 | |
13 | Great Midwest Bank, S.S.B. | Exceptional | Strong | Strong | Exceptional | $523 | +0.202% | 277 | |
14 | WISCONSIN MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | $923 | +0.147% | 251 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $927 | +0.102% | 85 | |
16 | National Exchange Bank and Trust | Exceptional | Strong | Exceptional | Strong | $71 | +0.041% | 43 | |
17 | Westbury Bank | Exceptional | Exceptional | Sound | Strong | $282 | -0.204% | 43 | |
18 | Glacier Hills Credit Union | Exceptional | Exceptional | Sound | Strong | $399 | -0.402% | 36 | |
19 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,738 | +0.258% | 590 | |
20 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $264 | +0.144% | 230 | |
21 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,105 | +0.335% | 197 | |
22 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $597 | -0.433% | 58 | |
23 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $1,562 | +0.337% | 306 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,334 | +0.367% | 114 | |
25 | FIRST STATE MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | $658 | +0.353% | 92 | |
26 | PyraMax Bank, FSB | Strong | Strong | Sound | Strong | $719 | +0.134% | 82 | |
27 | North Shore Bank | Strong | Strong | Sound | Strong | $833 | +0.230% | 77 | |
28 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$304 | +0.167% | 56 | |
29 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Sound | Strong | $758 | +0.119% | 54 | |
30 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $318 | +0.031% | 43 | |
31 | KOHLER CREDIT UNION | Strong | Strong | Sound | Strong | $819 | -0.106% | 42 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,765 | +0.472% | 953 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,758 | +0.377% | 815 | |
34 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,927 | +0.133% | 357 | |
35 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,894 | +0.251% | 172 | |
36 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,955 | +0.458% | 126 | |
37 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,763 | +0.372% | 102 | |
38 | NexBank | Strong | Sound | Strong | Strong | $1,781 | +0.414% | 91 | |
39 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $758 | +0.080% | 77 | |
40 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,133 | +0.067% | 65 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,497 | +0.357% | 408 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,713 | +0.675% | 248 | |
43 | BMO Bank National Association | Strong | Sound | Sound | Strong | -$39 | +0.300% | 160 | |
44 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $1,949 | +0.452% | 153 | |
45 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $1,813 | +0.325% | 118 | |
46 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,876 | +0.484% | 110 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $1,559 | +0.389% | 110 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,357 | +0.485% | 108 | |
49 | Tri City National Bank | Strong | Sound | Sound | Strong | $1,147 | +0.208% | 103 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,604 | +0.492% | 101 |
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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