Safe Rate Rankings

Best Mortgage Lenders in Eau Claire

Updated February 5, 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 Lenders30

Total Loans1,484

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Royal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Exceptional	$487Fees	0.055%Above	569
2	Associated Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$874Fees	0.106%Below	57
3	Citizens Community Federal National AssociationBank	Exceptional	Exceptional	Sound	Strong	$1,230Fees	0.178%Above	44
4	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$233Fees	0.058%Above	57
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,842Fees	0.188%Above	35
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,620Fees	0.358%Above	142
7	Nicolet National BankBank	Strong	Sound	Strong	Sound	$1,108Fees	0.229%Above	36
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,264Fees	0.499%Above	22
9	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Sound	$1,720Fees	0.173%Above	22
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,540Fees	0.228%Above	21
11	Florida Capital Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,425Fees	0.474%Above	21
12	WESTCONSIN Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$798Fees	0.268%Above	69
13	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,648Fees	0.497%Above	50
14	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,559Fees	0.539%Above	36
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,480Fees	0.650%Above	35
16	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,241Fees	0.350%Above	32
17	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$132Fees	0.805%Above	31
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,448Fees	0.553%Above	30
19	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Strong	$2,703Fees	1.125%Above	38

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.