🛡️

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 Racine

Updated February 5, 2026

Market Overview

Total Lenders

2,062

Total Loans

0.39%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Johnson Bank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$697	+0.035%	173
2	EDUCATORS CREDIT UNION	Exceptional	Exceptional	Strong	Strong	Exceptional	$73	-0.113%	261
3	Associated Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Strong	$409	+0.010%	71
4	Summit Credit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$217	-0.193%	39
5	Landmark Credit Union	Exceptional	Strong	Strong	Strong	Exceptional	$510	+0.090%	115
6	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$462	-0.075%	15
7	Bank Five Nine	Exceptional	Strong	Strong	Strong	Strong	$1,212	+0.210%	83
8	University of Wisconsin Credit Union	Exceptional	Strong	Exceptional	Strong	Sound	-$385	+0.165%	31
9	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Sound	$396	+0.493%	26
10	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$517	+0.159%	22
11	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,713	+0.538%	59
12	GATEWAY MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Strong	$1,706	+0.602%	54
13	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,508	+0.249%	38
14	TRUSTONE FINANCIAL CREDIT UNION	Strong	Strong	Strong	Sound	Strong	$1,253	+0.113%	36
15	A + MORTGAGE SERVICES, INC.	Strong	Strong	Strong	Strong	Sound	$1,426	+0.358%	24
16	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$3,062	+0.370%	11
17	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,813	+0.475%	144
18	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,819	+0.040%	54
19	WISCONSIN MORTGAGE CORPORATION	Strong	Strong	Sound	Sound	Strong	$903	+0.259%	34
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,997	+0.383%	32
21	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,556	-0.104%	17
22	Waukesha State Bank	Strong	Strong	Sound	Strong	Sound	$231	+0.281%	10
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,304	+0.466%	100
24	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,905	+0.438%	55
25	North Shore Bank	Strong	Strong	Sound	Sound	Sound	$516	+0.204%	20
26	Home State Bank, National Association	Strong	Sound	Strong	Strong	Sound	$1,693	+0.465%	15
27	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,823	+0.600%	12
28	Great Midwest Bank, S.S.B.	Strong	Strong	Sound	Sound	Sound	$346	+0.481%	12
29	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,217	+0.239%	33
30	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,615	+0.754%	30
31	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,714	+0.295%	21
32	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,088	+0.433%	20
33	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,635	+0.387%	16
34	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,210	+0.580%	16
35	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,611	+0.805%	14
36	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$1,175	+0.346%	13
37	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$1,765	+0.421%	12
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$4,233	+0.839%	11
39	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$4,581	+0.708%	67
40	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,097	+0.383%	26
41	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,359	+0.878%	17
42	Tri City National Bank	Strong	Sound	Sound	Sound	Sound	$1,015	+0.214%	17
43	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,598	+0.545%	10
44	Ixonia Bank	Sound	Mediocre	Exceptional	Strong	Sound	$2,970	+0.862%	15
45	Bank of England	Sound	Acceptable	Strong	Sound	Sound	$2,710	+0.503%	13
46	NATIONS RELIABLE LENDING, LLC	Sound	Acceptable	Strong	Sound	Sound	$3,480	+0.827%	11
47	MARINE CREDIT UNION	Sound	Mediocre	Strong	Sound	Sound	$3,844	+1.439%	21
48	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Sound	Sound	$3,150	+0.777%	13

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

RacineConventional

No credit impact

3-minute process

100% free