Safe Rate Rankings

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