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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Johnson Bank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $509 | +0.035% | 1,674 | |
2 | Community First | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $604 | -0.335% | 1,153 | |
3 | Summit Credit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $65 | -0.077% | 2,419 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $534 | -0.047% | 2,002 | |
5 | FOX COMMUNITIES Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $524 | -0.145% | 701 | |
6 | Bank First, N.A. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $242 | +0.002% | 655 | |
7 | DUPACO COMMUNITY | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,653 | -0.262% | 167 | |
8 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $498 | +0.101% | 1,070 | |
9 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $35 | -0.124% | 890 | |
10 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,095 | -0.029% | 330 | |
11 | University of Wisconsin Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $398 | +0.153% | 2,546 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $486 | +0.170% | 1,404 | |
13 | COVANTAGE CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $772 | +0.073% | 1,307 | |
14 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $570 | -0.446% | 313 | |
15 | National Exchange Bank and Trust | Exceptional | Strong | Strong | Exceptional | Exceptional | $111 | +0.032% | 281 | |
16 | Landmark Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $572 | +0.047% | 1,438 | |
17 | Bank Five Nine | Exceptional | Strong | Strong | Strong | Exceptional | $1,040 | +0.200% | 1,027 | |
18 | CAPITAL Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $624 | -0.156% | 598 | |
19 | ALTRA Federal Credit Union | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $530 | +0.348% | 558 | |
20 | A + MORTGAGE SERVICES, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,425 | +0.302% | 480 | |
21 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197 | +0.373% | 378 | |
22 | The Bank of New Glarus | Exceptional | Strong | Strong | Strong | Exceptional | $567 | +0.306% | 319 | |
23 | Horicon Bank | Exceptional | Exceptional | Sound | Strong | Strong | $209 | -0.006% | 196 | |
24 | The Park Bank | Exceptional | Exceptional | Sound | Strong | Strong | $361 | -0.072% | 170 | |
25 | Peoples State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $459 | -0.023% | 169 | |
26 | VERVE, A CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $654 | -0.067% | 145 | |
27 | Barrington Bank & Trust Company, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,733 | +0.196% | 1,160 | |
28 | Nicolet National Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $982 | +0.291% | 931 | |
29 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,004 | +0.228% | 903 | |
30 | THOMPSON KANE & COMPANY, INC | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,872 | +0.347% | 796 | |
31 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,948 | +0.153% | 521 | |
32 | Waukesha State Bank | Exceptional | Strong | Sound | Strong | Exceptional | $337 | +0.151% | 374 | |
33 | KOHLER CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $824 | -0.017% | 189 | |
34 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935 | +0.431% | 3,338 | |
35 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,966 | +0.178% | 1,883 | |
36 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,930 | +0.461% | 626 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,095 | +0.441% | 543 | |
38 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $412 | +0.300% | 378 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,528 | +0.369% | 226 | |
40 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $815 | +0.098% | 225 | |
41 | GATEWAY MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $1,930 | +0.302% | 217 | |
42 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,881 | +0.347% | 176 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,416 | +0.402% | 2,513 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582 | +0.423% | 1,860 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.566% | 974 | |
46 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,541 | +0.334% | 815 | |
47 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,730 | +0.308% | 767 | |
48 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $1,276 | +0.363% | 264 | |
49 | Home State Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,693 | +0.351% | 216 | |
50 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $793 | +0.227% | 178 |
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.
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