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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 Oshkosh
Updated February 5, 2026
Market Overview
44
Total Lenders
1,866
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | $610 | -0.331% | 283 | |
2 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Exceptional | Strong | $491 | -0.140% | 86 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $487 | -0.146% | 81 | |
4 | VERVE, A CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $658 | -0.009% | 68 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $459 | +0.177% | 80 | |
6 | CAPITAL Credit Union | Strong | Strong | Strong | Strong | $627 | -0.150% | 56 | |
7 | COVANTAGE CREDIT UNION | Strong | Strong | Strong | Strong | $562 | +0.523% | 42 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,559 | +0.237% | 92 | |
9 | University of Wisconsin Credit Union | Strong | Strong | Strong | Sound | $2,285 | +0.016% | 23 | |
10 | Nicolet National Bank | Strong | Sound | Strong | Strong | $887 | +0.309% | 79 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,432 | +0.172% | 38 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,010 | +0.486% | 120 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $1,781 | +0.541% | 82 | |
14 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,709 | +0.432% | 60 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,022 | +0.521% | 56 | |
16 | Home State Bank, National Association | Strong | Sound | Sound | Strong | $1,614 | +0.378% | 56 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,198 | +0.226% | 31 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,779 | +0.432% | 27 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,380 | +0.562% | 24 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,886 | -0.040% | 23 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,315 | +0.432% | 22 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $949 | +0.430% | 52 | |
23 | Barrington Bank & Trust Company, National Association | Sound | Acceptable | Strong | Sound | $491 | +0.208% | 31 | |
24 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $3,797 | +0.359% | 56 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,992 | +0.803% | 41 |
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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