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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 FHA 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 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $534 | -0.047% | 2,002 | |
2 | Bank Five Nine | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,040 | +0.200% | 1,027 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,966 | +0.178% | 1,883 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $486 | +0.170% | 1,404 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,965 | +0.206% | 709 | |
6 | ALTRA Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $530 | +0.348% | 558 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,124 | +0.398% | 439 | |
8 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197 | +0.373% | 378 | |
9 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,095 | -0.029% | 330 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,528 | +0.369% | 226 | |
11 | The Equitable Bank, S.S.B. | Exceptional | Exceptional | — | Strong | Strong | $662 | +0.014% | 221 | |
12 | Royal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $498 | +0.101% | 1,070 | |
13 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,541 | +0.334% | 815 | |
14 | A + MORTGAGE SERVICES, INC. | Exceptional | Strong | Sound | Strong | Exceptional | $1,425 | +0.302% | 480 | |
15 | WISCONSIN MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $938 | +0.155% | 387 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,622 | +0.002% | 376 | |
17 | Waukesha State Bank | Exceptional | Strong | — | Strong | Exceptional | $337 | +0.151% | 374 | |
18 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $815 | +0.098% | 225 | |
19 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,677 | +0.674% | 132 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935 | +0.431% | 3,338 | |
21 | University of Wisconsin Credit Union | Strong | Strong | Sound | Sound | Exceptional | $398 | +0.153% | 2,546 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,416 | +0.402% | 2,513 | |
23 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,930 | +0.461% | 626 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,095 | +0.441% | 543 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,633 | +0.404% | 383 | |
26 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $2,064 | +0.468% | 352 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.308% | 260 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582 | +0.423% | 1,860 | |
29 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,733 | +0.196% | 1,160 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,004 | +0.228% | 903 | |
31 | THOMPSON KANE & COMPANY, INC | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,872 | +0.347% | 796 | |
32 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,730 | +0.308% | 767 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,654 | +0.294% | 614 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,197 | +0.634% | 336 | |
35 | GATEWAY MORTGAGE CORPORATION | Strong | Sound | Sound | Exceptional | Strong | $1,930 | +0.302% | 217 | |
36 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $793 | +0.227% | 178 | |
37 | CIBM Bank | Strong | Sound | Strong | Strong | Strong | $976 | +0.358% | 153 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,877 | +0.339% | 151 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,360 | +0.580% | 1,170 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,897 | +0.317% | 741 | |
41 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,948 | +0.153% | 521 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,739 | +0.711% | 400 | |
43 | BMO Bank National Association | Strong | Sound | Strong | Sound | Strong | $412 | +0.300% | 378 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,068 | +0.521% | 364 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $1,645 | +0.575% | 324 | |
46 | Servion, Inc. | Strong | Sound | Strong | Sound | Strong | $1,276 | +0.363% | 264 | |
47 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,911 | +0.391% | 254 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,106 | +0.328% | 189 | |
49 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,881 | +0.347% | 176 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,891 | +0.465% | 149 |
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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