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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 Racine
Updated February 5, 2026
Market Overview
53
Total Lenders
2,062
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | $697 | +0.035% | 173 | |
2 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $73 | -0.113% | 261 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $409 | +0.010% | 71 | |
4 | Summit Credit Union | Exceptional | Exceptional | Strong | Strong | $217 | -0.193% | 39 | |
5 | Landmark Credit Union | Exceptional | Strong | Strong | Exceptional | $510 | +0.090% | 115 | |
6 | Bank Five Nine | Strong | Strong | Strong | Strong | $1,212 | +0.210% | 83 | |
7 | WISCONSIN MORTGAGE CORPORATION | Strong | Strong | Strong | Strong | $903 | +0.259% | 34 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,819 | +0.040% | 54 | |
9 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Sound | Strong | $1,253 | +0.113% | 36 | |
10 | University of Wisconsin Credit Union | Strong | Strong | Strong | Sound | -$385 | +0.165% | 31 | |
11 | The Huntington National Bank | Strong | Strong | Strong | Sound | $396 | +0.493% | 26 | |
12 | A + MORTGAGE SERVICES, INC. | Strong | Strong | Strong | Sound | $1,426 | +0.358% | 24 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $517 | +0.159% | 22 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,713 | +0.538% | 59 | |
15 | GATEWAY MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,706 | +0.602% | 54 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,997 | +0.383% | 32 | |
17 | North Shore Bank | Strong | Strong | Sound | Sound | $516 | +0.204% | 20 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,813 | +0.475% | 144 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,304 | +0.466% | 100 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $1,905 | +0.438% | 55 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,217 | +0.239% | 33 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,164 | +0.495% | 53 | |
23 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Strong | $1,508 | +0.249% | 38 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,088 | +0.433% | 20 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,581 | +0.708% | 67 | |
26 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $1,714 | +0.295% | 21 | |
27 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $2,615 | +0.754% | 30 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,097 | +0.383% | 26 | |
29 | MARINE CREDIT UNION | Sound | Mediocre | Sound | Sound | $3,844 | +1.439% | 21 |
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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