Safe Rate Rankings

Best VA Mortgage Bank Lenders in Wisconsin

Updated February 6, 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 Lenders17

Total Loans65,281

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Johnson BankBank	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$509Fees	0.035%Above	1,674
2	Bank First, N.A.Bank	Exceptional	Exceptional	—	Exceptional	Exceptional	$242Fees	0.002%Above	655
3	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Exceptional	$534Fees	0.047%Below	2,002
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$486Fees	0.170%Above	1,404
5	First Federal BankBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$815Fees	0.098%Above	225
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,004Fees	0.228%Above	903
7	Bell BankBank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,730Fees	0.308%Above	767
8	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,197Fees	0.373%Above	378
9	Bank Five NineBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,040Fees	0.200%Above	1,027
10	The Bank of New GlarusBank	Exceptional	Strong	—	Strong	Exceptional	$567Fees	0.306%Above	319
11	USAA Federal Savings BankBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,674Fees	0.194%Below	200
12	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,633Fees	0.404%Above	383
13	Wells Fargo Bank, National AssociationBank	Strong	Sound	Exceptional	Sound	Strong	$1,948Fees	0.153%Above	521
14	Bank of EnglandBank	Strong	Sound	Strong	Strong	Strong	$2,064Fees	0.468%Above	352
15	CIBM BankBank	Strong	Sound	Sound	Strong	Strong	$976Fees	0.358%Above	153
16	Barrington Bank & Trust Company, National AssociationBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$1,733Fees	0.196%Above	1,160
17	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,614Fees	0.578%Above	699

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.