Safe Rate Rankings

Best Conventional Mortgage Company 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.
Total Lenders10
Total Loans1,288
Median Rate Spread0.23%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,785Fees
0.466%Above
67
2
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,406Fees
0.449%Above
82
3
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Sound
$2,338Fees
0.266%Above
43
4
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Sound
$2,737Fees
0.430%Above
35
5
Nations Lending CorporationIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Sound
$994Fees
0.318%Above
13
6
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$4,010Fees
0.567%Above
29
7
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,234Fees
0.043%Below
23
8
FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$1,258Fees
0.422%Above
13
9
LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,552Fees
0.501%Above
11
10
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)

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.