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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 Sheboygan
Updated February 6, 2026
Market Overview
30
Total Lenders
896
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Bank First, N.A. | Exceptional | Exceptional | Exceptional | Exceptional | $378 | +0.008% | 123 | |
2 | Johnson Bank | Exceptional | Exceptional | Exceptional | Strong | $560 | +0.126% | 25 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $432 | -0.133% | 34 | |
4 | Summit Credit Union | Exceptional | Exceptional | Strong | Strong | $67 | +0.090% | 27 | |
5 | National Exchange Bank and Trust | Exceptional | Strong | Exceptional | Strong | $51 | -0.009% | 23 | |
6 | KOHLER CREDIT UNION | Strong | Strong | Sound | Exceptional | $834 | +0.010% | 91 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $634 | +0.279% | 45 | |
8 | Landmark Credit Union | Strong | Strong | Strong | Sound | $575 | +0.058% | 21 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,004 | +0.495% | 85 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,205 | +0.509% | 65 | |
11 | CIBM Bank | Strong | Sound | Sound | Strong | $1,368 | +0.241% | 41 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,813 | +0.896% | 24 | |
13 | Bell Bank | Strong | Acceptable | Exceptional | Sound | $1,432 | +0.614% | 24 | |
14 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,066 | +0.681% | 31 | |
15 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $1,175 | +0.590% | 21 | |
16 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | $4,601 | +1.138% | 36 |
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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