Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Oshkosh

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 Lenders15

Total Loans1,866

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$487Fees	0.146%Below	81
2	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$344Fees	0.130%Above	18
3	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,233Fees	0.070%Above	17
4	Bank First, N.A.Bank	Exceptional	Exceptional	Strong	Exceptional	Sound	$172Fees	0.061%Above	15
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$459Fees	0.177%Above	80
6	Horicon BankBank	Exceptional	Exceptional	Sound	Strong	Sound	$83Fees	0.091%Below	14
7	Nicolet National BankBank	Strong	Sound	Strong	Exceptional	Strong	$887Fees	0.309%Above	79
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,432Fees	0.172%Above	38
9	Home State Bank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,614Fees	0.378%Above	56
10	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$491Fees	0.208%Above	31
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,779Fees	0.432%Above	27
12	BMO Bank National AssociationBank	Strong	Strong	Strong	Sound	Sound	$1,177Fees	0.432%Above	12
13	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,260Fees	0.271%Above	11
14	NexBankBank	Strong	Sound	Strong	Strong	Sound	$1,569Fees	0.115%Above	18
15	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$2,960Fees	0.586%Above	19

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.