Safe Rate Rankings

Best Bank Mortgage Lenders in Milwaukee

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 Lenders28

Total Loans5,410

Median Rate Spread0.15%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	$379Fees	0.119%Above	462
2	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Exceptional	$425Fees	0.055%Below	569
3	The Equitable Bank, S.S.B.Bank	Exceptional	Exceptional	Strong	Exceptional	$656Fees	0.023%Above	197
4	Old National BankBank	Exceptional	Exceptional	Strong	Strong	$927Fees	0.065%Below	96
5	Bank First, N.A.Bank	Exceptional	Exceptional	Exceptional	Sound	$294Fees	0.049%Above	40
6	Bank Five NineBank	Exceptional	Strong	Strong	Exceptional	$919Fees	0.210%Above	567
7	Waukesha State BankBank	Exceptional	Strong	Strong	Exceptional	$337Fees	0.149%Above	313
8	Great Midwest Bank, S.S.B.Bank	Exceptional	Strong	Strong	Exceptional	$523Fees	0.202%Above	277
9	National Exchange Bank and TrustBank	Exceptional	Strong	Exceptional	Strong	$71Fees	0.041%Above	43
10	Westbury BankBank	Exceptional	Exceptional	Sound	Strong	$282Fees	0.204%Below	43
11	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$264Fees	0.144%Above	230
12	The Huntington National BankBank	Strong	Strong	Strong	Strong	$1,105Fees	0.335%Above	197
13	PyraMax Bank, FSBBank	Strong	Strong	Sound	Strong	$719Fees	0.134%Above	82
14	North Shore BankBank	Strong	Strong	Sound	Strong	$833Fees	0.230%Above	77
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$304Credit	0.167%Above	56
16	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$318Fees	0.031%Above	43
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,927Fees	0.133%Above	357
18	NexBankBank	Strong	Sound	Strong	Strong	$1,781Fees	0.414%Above	91
19	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,133Fees	0.067%Above	65
20	BMO Bank National AssociationBank	Strong	Sound	Sound	Strong	$39Credit	0.300%Above	160
21	Bell BankBank	Strong	Acceptable	Exceptional	Strong	$1,949Fees	0.452%Above	153
22	Tri City National BankBank	Strong	Sound	Sound	Strong	$1,147Fees	0.208%Above	103
23	CIBM BankBank	Strong	Sound	Sound	Strong	$432Fees	0.367%Above	65
24	Bank of EnglandBank	Strong	Acceptable	Strong	Strong	$2,103Fees	0.466%Above	279
25	Barrington Bank & Trust Company, National AssociationBank	Strong	Acceptable	Strong	Strong	$1,716Fees	0.241%Above	220
26	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,585Fees	0.469%Above	96
27	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,295Fees	0.090%Below	38
28	Ixonia BankBank	Sound	Mediocre	Strong	Strong	$1,960Fees	0.479%Above	215

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.