Safe Rate Rankings

Best Conventional Mortgage Lenders in Sheboygan

Updated February 6, 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 Lenders30

Total Loans896

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank First, N.A.Bank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$378Fees	0.008%Above	123
2	Johnson BankBank	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$560Fees	0.126%Above	25
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$432Fees	0.133%Below	34
4	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$67Fees	0.090%Above	27
5	KOHLER CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$834Fees	0.010%Above	91
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$634Fees	0.279%Above	45
7	National Exchange Bank and TrustBank	Exceptional	Strong	Strong	Exceptional	Strong	$51Fees	0.009%Below	23
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Acceptable	$1,720Fees	0.715%Below	10
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,004Fees	0.495%Above	85
10	Landmark Credit UnionCredit Union	Strong	Strong	Strong	Strong	Sound	$575Fees	0.058%Above	21
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,580Fees	0.222%Above	18
12	CIBM BankBank	Strong	Sound	Strong	Strong	Strong	$1,368Fees	0.241%Above	41
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,205Fees	0.509%Above	65
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,397Fees	0.024%Below	12
15	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,855Fees	0.419%Above	11
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$2,376Fees	0.545%Above	10
17	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,066Fees	0.681%Above	31
18	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,813Fees	0.896%Above	24
19	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,432Fees	0.614%Above	24
20	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,336Fees	0.325%Above	12
21	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,057Fees	0.478%Above	18
22	Bankers' BankBank	Strong	Sound	Sound	Sound	Sound	$897Fees	0.183%Above	17
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,969Fees	0.021%Below	10
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,716Fees	0.270%Above	10
25	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$553Fees	0.194%Above	10
26	UNITEDONE Credit UnionCredit Union	Sound	Acceptable	Sound	Sound	Strong	$435Fees	0.079%Above	18
27	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$4,601Fees	1.138%Above	36
28	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Sound	$2,540Fees	1.160%Above	12

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.