Safe Rate Rankings

Best All Lender Mortgage Lenders in Racine

Updated May 21, 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 Lenders53

Total Loans2,062

Median Rate Spread0.39%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.