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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 VA 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 | ALTRA Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $530 | +0.348% | 558 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,966 | +0.178% | 1,883 | |
3 | Johnson Bank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $509 | +0.035% | 1,674 | |
4 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,541 | +0.334% | 815 | |
5 | Bank First, N.A. | Exceptional | Exceptional | — | Exceptional | Exceptional | $242 | +0.002% | 655 | |
6 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $534 | -0.047% | 2,002 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $486 | +0.170% | 1,404 | |
8 | EDUCATORS CREDIT UNION | Exceptional | Exceptional | — | Strong | Exceptional | $35 | -0.124% | 890 | |
9 | A + MORTGAGE SERVICES, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,425 | +0.302% | 480 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $570 | -0.446% | 313 | |
11 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $815 | +0.098% | 225 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,004 | +0.228% | 903 | |
13 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,730 | +0.308% | 767 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,897 | +0.317% | 741 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,965 | +0.206% | 709 | |
16 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,124 | +0.398% | 439 | |
17 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197 | +0.373% | 378 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,622 | +0.002% | 376 | |
19 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,106 | +0.328% | 189 | |
20 | University of Wisconsin Credit Union | Exceptional | Strong | — | Strong | Exceptional | $398 | +0.153% | 2,546 | |
21 | Bank Five Nine | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,040 | +0.200% | 1,027 | |
22 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,739 | +0.711% | 400 | |
23 | WISCONSIN MORTGAGE CORPORATION | Exceptional | Strong | Sound | Strong | Exceptional | $938 | +0.155% | 387 | |
24 | The Bank of New Glarus | Exceptional | Strong | — | Strong | Exceptional | $567 | +0.306% | 319 | |
25 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911 | +0.391% | 254 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,528 | +0.369% | 226 | |
27 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,674 | -0.194% | 200 | |
28 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,677 | +0.674% | 132 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935 | +0.431% | 3,338 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,416 | +0.402% | 2,513 | |
31 | THOMPSON KANE & COMPANY, INC | Strong | Sound | Strong | Strong | Exceptional | $1,872 | +0.347% | 796 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,654 | +0.294% | 614 | |
33 | CAPITAL Credit Union | Strong | Strong | Sound | Sound | Exceptional | $624 | -0.156% | 598 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,095 | +0.441% | 543 | |
35 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,633 | +0.404% | 383 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,645 | +0.575% | 324 | |
37 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.308% | 260 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,005 | +0.301% | 215 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582 | +0.423% | 1,860 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,360 | +0.580% | 1,170 | |
41 | Royal Credit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $498 | +0.101% | 1,070 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.566% | 974 | |
43 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,948 | +0.153% | 521 | |
44 | Bank of England | Strong | Sound | Strong | Strong | Strong | $2,064 | +0.468% | 352 | |
45 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $1,276 | +0.363% | 264 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,068 | +0.521% | 364 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,197 | +0.634% | 336 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,389 | +0.377% | 321 | |
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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