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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 Mortgage Lenders in Wisconsin
Updated February 6, 2026
Market Overview
270
Total Lenders
65,281
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | $509 | +0.035% | 1,674 | |
2 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | $604 | -0.335% | 1,153 | |
3 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $524 | -0.145% | 701 | |
4 | Bank First, N.A. | Exceptional | Exceptional | Exceptional | Exceptional | $242 | +0.002% | 655 | |
5 | Summit Credit Union | Exceptional | Exceptional | Strong | Exceptional | $65 | -0.077% | 2,419 | |
6 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $534 | -0.047% | 2,002 | |
7 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $35 | -0.124% | 890 | |
8 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Strong | $1,653 | -0.262% | 167 | |
9 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $498 | +0.101% | 1,070 | |
10 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $1,095 | -0.029% | 330 | |
11 | National Exchange Bank and Trust | Exceptional | Strong | Exceptional | Exceptional | $111 | +0.032% | 281 | |
12 | Lake Ridge Bank | Exceptional | Exceptional | Strong | Strong | $475 | +0.039% | 240 | |
13 | The Equitable Bank, S.S.B. | Exceptional | Exceptional | Strong | Strong | $662 | +0.014% | 221 | |
14 | Horicon Bank | Exceptional | Exceptional | Strong | Strong | $209 | -0.006% | 196 | |
15 | The Park Bank | Exceptional | Exceptional | Strong | Strong | $361 | -0.072% | 170 | |
16 | University of Wisconsin Credit Union | Exceptional | Strong | Strong | Exceptional | $398 | +0.153% | 2,546 | |
17 | Landmark Credit Union | Exceptional | Strong | Strong | Exceptional | $572 | +0.047% | 1,438 | |
18 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $486 | +0.170% | 1,404 | |
19 | COVANTAGE CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $772 | +0.073% | 1,307 | |
20 | Bank Five Nine | Exceptional | Strong | Strong | Exceptional | $1,040 | +0.200% | 1,027 | |
21 | CAPITAL Credit Union | Exceptional | Strong | Strong | Exceptional | $624 | -0.156% | 598 | |
22 | A + MORTGAGE SERVICES, INC. | Exceptional | Strong | Strong | Exceptional | $1,425 | +0.302% | 480 | |
23 | WISCONSIN MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | $938 | +0.155% | 387 | |
24 | Waukesha State Bank | Exceptional | Strong | Strong | Exceptional | $337 | +0.151% | 374 | |
25 | The Bank of New Glarus | Exceptional | Strong | Strong | Exceptional | $567 | +0.306% | 319 | |
26 | Great Midwest Bank, S.S.B. | Exceptional | Strong | Strong | Exceptional | $556 | +0.193% | 317 | |
27 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $570 | -0.446% | 313 | |
28 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $815 | +0.098% | 225 | |
29 | Peoples State Bank | Exceptional | Exceptional | Sound | Strong | $459 | -0.023% | 169 | |
30 | VERVE, A CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $654 | -0.067% | 145 | |
31 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,966 | +0.178% | 1,883 | |
32 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $1,541 | +0.334% | 815 | |
33 | ALTRA Federal Credit Union | Strong | Sound | Exceptional | Exceptional | $530 | +0.348% | 558 | |
34 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,197 | +0.373% | 378 | |
35 | Westby Co-op Credit Union | Strong | Strong | Strong | Strong | $643 | +0.057% | 199 | |
36 | Blackhawk Community Credit Union | Strong | Strong | Strong | Strong | $881 | +0.201% | 140 | |
37 | Nicolet National Bank | Strong | Sound | Strong | Exceptional | $982 | +0.291% | 931 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,004 | +0.228% | 903 | |
39 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Exceptional | $1,872 | +0.347% | 796 | |
40 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,948 | +0.153% | 521 | |
41 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,528 | +0.369% | 226 | |
42 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,935 | +0.431% | 3,338 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,416 | +0.402% | 2,513 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,582 | +0.423% | 1,860 | |
45 | Bell Bank | Strong | Acceptable | Exceptional | Exceptional | $2,730 | +0.308% | 767 | |
46 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,897 | +0.317% | 741 | |
47 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | $1,930 | +0.461% | 626 | |
48 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,095 | +0.441% | 543 | |
49 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,124 | +0.398% | 439 | |
50 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,622 | +0.002% | 376 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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