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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $610 | -0.331% | 283 | |
2 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $491 | -0.140% | 86 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $487 | -0.146% | 81 | |
4 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $344 | +0.130% | 18 | |
5 | VERVE, A CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $658 | -0.009% | 68 | |
6 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,233 | +0.070% | 17 | |
7 | Bank First, N.A. | Exceptional | Exceptional | Strong | Exceptional | Sound | $172 | +0.061% | 15 | |
8 | Summit Credit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | -$315 | +0.011% | 11 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $459 | +0.177% | 80 | |
10 | COVANTAGE CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Strong | $562 | +0.523% | 42 | |
11 | CAPITAL Credit Union | Exceptional | Strong | Strong | Strong | Strong | $627 | -0.150% | 56 | |
12 | University of Wisconsin Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $2,285 | +0.016% | 23 | |
13 | Horicon Bank | Exceptional | Exceptional | Sound | Strong | Sound | $83 | -0.091% | 14 | |
14 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $314 | -0.838% | 10 | |
15 | Nicolet National Bank | Strong | Sound | Strong | Exceptional | Strong | $887 | +0.309% | 79 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,432 | +0.172% | 38 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,010 | +0.486% | 120 | |
18 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,559 | +0.237% | 92 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,709 | +0.432% | 60 | |
20 | Home State Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,614 | +0.378% | 56 | |
21 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $491 | +0.208% | 31 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,779 | +0.432% | 27 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,380 | +0.562% | 24 | |
24 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $1,177 | +0.432% | 12 | |
25 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $1,260 | +0.271% | 11 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,781 | +0.541% | 82 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,022 | +0.521% | 56 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,992 | +0.803% | 41 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,886 | -0.040% | 23 | |
30 | NexBank | Strong | Sound | Strong | Strong | Sound | $1,569 | +0.115% | 18 | |
31 | PROSPERA Credit Union | Strong | Strong | Acceptable | Strong | Sound | $826 | +0.130% | 16 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,198 | +0.226% | 31 | |
33 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,757 | +0.233% | 14 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,271 | -0.018% | 14 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,185 | +0.605% | 14 | |
36 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,052 | +0.645% | 11 | |
37 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,797 | +0.359% | 56 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $949 | +0.430% | 52 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,406 | +0.543% | 10 | |
40 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,960 | +0.586% | 19 | |
41 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Sound | $3,831 | +0.553% | 11 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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