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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 Conventional Mortgage Lenders in Wausau
Updated February 5, 2026
Market Overview
32
Total Lenders
1,288
Total Loans
0.23%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $561 | -0.094% | 43 | |
2 | COVANTAGE CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,114 | -0.075% | 365 | |
3 | Summit Credit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | $93 | +0.123% | 15 | |
4 | Peoples State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $461 | -0.119% | 61 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $966 | +0.160% | 59 | |
6 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | Sound | $454 | +0.155% | 14 | |
7 | University of Wisconsin Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $163 | +0.000% | 17 | |
8 | Nicolet National Bank | Strong | Sound | Strong | Exceptional | Strong | $1,039 | +0.307% | 56 | |
9 | Forward Bank | Strong | Strong | Sound | Strong | Strong | $793 | +0.289% | 31 | |
10 | Bank Five Nine | Strong | Strong | Strong | Strong | Sound | $1,327 | +0.186% | 18 | |
11 | Connexus Credit Union | Strong | Exceptional | Sound | Sound | Sound | $275 | -0.061% | 12 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,785 | +0.466% | 67 | |
13 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $77 | +0.026% | 27 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,660 | +0.236% | 14 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,406 | +0.449% | 82 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,338 | +0.266% | 43 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,737 | +0.430% | 35 | |
18 | Prevail Bank | Strong | Strong | Sound | Sound | Sound | $574 | +0.361% | 18 | |
19 | IncredibleBank | Strong | Strong | Sound | Sound | Sound | $542 | +0.057% | 18 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $994 | +0.318% | 13 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,010 | +0.567% | 29 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,234 | -0.043% | 23 | |
23 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,258 | +0.422% | 13 | |
24 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,552 | +0.501% | 11 | |
25 | SIMPLICITY | Strong | Sound | Sound | Sound | Sound | $753 | +0.231% | 21 | |
26 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $3,192 | +0.665% | 41 | |
27 | AbbyBank | Sound | Acceptable | Sound | Sound | Strong | $1,312 | +0.503% | 27 | |
28 | AgCountry Farm Credit Services, FLCA | Sound | Mediocre | Sound | Strong | Sound | $2,148 | +0.584% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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