Safe Rate Rankings

Best Mortgage Lenders in Wausau

Updated February 5, 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 Lenders32

Total Loans1,288

Median Rate Spread0.23%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$561Fees	0.094%Below	43
2	COVANTAGE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$1,114Fees	0.075%Below	365
3	Peoples State BankBank	Exceptional	Exceptional	Sound	Strong	$461Fees	0.119%Below	61
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$966Fees	0.160%Above	59
5	First Federal BankBank	Strong	Exceptional	Sound	Sound	$77Fees	0.026%Above	27
6	Forward BankBank	Strong	Strong	Sound	Strong	$793Fees	0.289%Above	31
7	Nicolet National BankBank	Strong	Sound	Strong	Strong	$1,039Fees	0.307%Above	56
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,338Fees	0.266%Above	43
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,406Fees	0.449%Above	82
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,785Fees	0.466%Above	67
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,737Fees	0.430%Above	35
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,010Fees	0.567%Above	29
13	SIMPLICITYCredit Union	Strong	Sound	Sound	Sound	$753Fees	0.231%Above	21
14	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,001Fees	0.340%Above	41
15	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,234Fees	0.043%Below	23
16	AbbyBankBank	Sound	Acceptable	Acceptable	Strong	$1,312Fees	0.503%Above	27
17	Ixonia BankBank	Sound	Mediocre	Strong	Sound	$3,192Fees	0.665%Above	41

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.