Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$561Fees	0.094%Below	43
2	COVANTAGE CREDIT UNIONCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,114Fees	0.075%Below	365
3	Summit Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$93Fees	0.123%Above	15
4	Peoples State BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$461Fees	0.119%Below	61
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$966Fees	0.160%Above	59
6	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	Sound	$454Fees	0.155%Above	14
7	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$163Fees	0.000%Above	17
8	Nicolet National BankBank	Strong	Sound	Strong	Exceptional	Strong	$1,039Fees	0.307%Above	56
9	Forward BankBank	Strong	Strong	Sound	Strong	Strong	$793Fees	0.289%Above	31
10	Bank Five NineBank	Strong	Strong	Strong	Strong	Sound	$1,327Fees	0.186%Above	18
11	Connexus Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	Sound	$275Fees	0.061%Below	12
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,785Fees	0.466%Above	67
13	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$77Fees	0.026%Above	27
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,660Fees	0.236%Above	14
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,406Fees	0.449%Above	82
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,338Fees	0.266%Above	43
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,737Fees	0.430%Above	35
18	Prevail BankBank	Strong	Strong	Sound	Sound	Sound	$574Fees	0.361%Above	18
19	IncredibleBankBank	Strong	Strong	Sound	Sound	Sound	$542Fees	0.057%Above	18
20	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$994Fees	0.318%Above	13
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,010Fees	0.567%Above	29
22	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,234Fees	0.043%Below	23
23	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,258Fees	0.422%Above	13
24	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,552Fees	0.501%Above	11
25	SIMPLICITYCredit Union	Strong	Sound	Sound	Sound	Sound	$753Fees	0.231%Above	21
26	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$3,192Fees	0.665%Above	41
27	AbbyBankBank	Sound	Acceptable	Sound	Sound	Strong	$1,312Fees	0.503%Above	27
28	AgCountry Farm Credit Services, FLCAIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	Sound	$2,148Fees	0.584%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.