Safe Rate Rankings

Best Conventional Mortgage 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 Lenders44

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

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.