Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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By Loan Product
Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.
By Institution Type
Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Community First Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $604Fees | 0.335%Below | 1,153 | |
2 | Johnson Bank BankDirect | Exceptional | Exceptional | Exceptional | Exceptional | $509Fees | 0.035%Above | 1,674 | |
3 | Associated Bank, National Association BankDirect | Exceptional | Exceptional | Strong | Exceptional | $534Fees | 0.047%Below | 2,002 | |
4 | EDUCATORS CREDIT UNION Credit UnionDirect | Exceptional | Exceptional | Strong | Exceptional | $35Fees | 0.124%Below | 890 | |
5 | FOX COMMUNITIES Credit Union Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $524Fees | 0.145%Below | 701 | |
6 | Bank First, N.A. BankDirect | Exceptional | Exceptional | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
7 | University of Wisconsin Credit Union Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $398Fees | 0.153%Above | 2,546 | |
8 | Summit Credit Union Credit UnionDirect | Exceptional | Exceptional | Strong | Exceptional | $65Fees | 0.077%Below | 2,419 | |
9 | Landmark Credit Union Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $572Fees | 0.047%Above | 1,438 | |
10 | Royal Credit Union Credit UnionDirect | Exceptional | Strong | Exceptional | Exceptional | $498Fees | 0.101%Above | 1,070 | |
11 | The Park Bank BankDirect | Exceptional | Exceptional | Strong | Strong | $361Fees | 0.072%Below | 170 | |
12 | DUPACO COMMUNITY Credit UnionDirect | Exceptional | Exceptional | Exceptional | Strong | $1,653Fees | 0.262%Below | 167 | |
13 | Bank Five Nine BankDirect | Strong | Strong | Strong | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
14 | National Exchange Bank and Trust BankDirect | Strong | Strong | Exceptional | Exceptional | $111Fees | 0.032%Above | 281 | |
15 | The Equitable Bank, S.S.B. BankDirect | Strong | Exceptional | Strong | Strong | $662Fees | 0.014%Above | 221 | |
16 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Exceptional | $486Fees | 0.170%Above | 1,404 | |
17 | Old National Bank BankDirect | Strong | Exceptional | Strong | Strong | $1,095Fees | 0.029%Below | 330 | |
18 | Lake Ridge Bank BankDirect | Strong | Exceptional | Strong | Strong | $475Fees | 0.039%Above | 240 | |
19 | Horicon Bank BankDirect | Strong | Exceptional | Strong | Strong | $209Fees | 0.006%Below | 196 | |
20 | Blackhawk Community Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | $881Fees | 0.201%Above | 140 | |
21 | Nicolet National Bank BankDirect | Strong | Sound | Strong | Exceptional | $982Fees | 0.291%Above | 931 | |
22 | WISCONSIN MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | $938Fees | 0.155%Above | 387 | |
23 | COVANTAGE CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Exceptional | $772Fees | 0.073%Above | 1,307 | |
24 | ALTRA Federal Credit Union Credit UnionDirect | Strong | Sound | Exceptional | Exceptional | $530Fees | 0.348%Above | 558 | |
25 | The Bank of New Glarus BankDirect | Strong | Strong | Strong | Exceptional | $567Fees | 0.306%Above | 319 | |
26 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $570Fees | 0.446%Below | 313 | |
27 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
28 | Waukesha State Bank BankDirect | Strong | Strong | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
29 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
30 | CAPITAL Credit Union Credit UnionDirect | Strong | Strong | Strong | Exceptional | $624Fees | 0.156%Below | 598 | |
31 | A + MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | $1,425Fees | 0.302%Above | 480 | |
32 | Westby Co-op Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | $643Fees | 0.057%Above | 199 | |
33 | Peoples State Bank BankDirect | Strong | Exceptional | Sound | Strong | $459Fees | 0.023%Below | 169 | |
34 | THOMPSON KANE & COMPANY, INC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,872Fees | 0.347%Above | 796 | |
35 | FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Exceptional | $1,541Fees | 0.334%Above | 815 | |
36 | The Huntington National Bank BankDirect | Strong | Strong | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
37 | Great Midwest Bank, S.S.B. BankDirect | Strong | Strong | Strong | Exceptional | $556Fees | 0.193%Above | 317 | |
38 | VERVE, A CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $654Fees | 0.067%Below | 145 | |
39 | Nations Lending Corporation Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $1,930Fees | 0.461%Above | 626 | |
40 | GATEWAY MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,930Fees | 0.302%Above | 217 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
42 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,004Fees | 0.228%Above | 903 | |
43 | Bell Bank BankDirect | Strong | Acceptable | Exceptional | Exceptional | $2,730Fees | 0.308%Above | 767 | |
44 | First Federal Bank BankDirect | Strong | Exceptional | Sound | Strong | $815Fees | 0.098%Above | 225 | |
45 | PCM Credit Union Credit UnionDirect | Strong | — | Strong | Strong | — | — | 149 | |
46 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
47 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
48 | Forward Bank BankDirect | Strong | Strong | Sound | Strong | $770Fees | 0.177%Above | 203 | |
49 | KOHLER CREDIT UNION Credit UnionDirect | Strong | Strong | Sound | Strong | $824Fees | 0.017%Below | 189 | |
50 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,582Fees | 0.423%Above | 1,860 |
Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Wisconsin), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.
The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.
Based on 2024 HMDA data, 270 lenders originated a combined 65,281 loans in Wisconsin. Safe Rate's rankings evaluate all of them — not just a curated shortlist.
Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Wisconsin is 0.31%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.
HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.
No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.
Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Wisconsin's rankings, all three institution types are evaluated on the same HMDA performance metrics.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.