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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 Mortgage Lenders in Eau Claire
Updated February 5, 2026
Market Overview
30
Total Lenders
1,484
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $487 | +0.055% | 569 | |
2 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $874 | -0.106% | 57 | |
3 | Citizens Community Federal National Association | Exceptional | Exceptional | Sound | Strong | $1,230 | +0.178% | 44 | |
4 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $233 | +0.058% | 57 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $1,842 | +0.188% | 35 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,620 | +0.358% | 142 | |
7 | Nicolet National Bank | Strong | Sound | Strong | Sound | $1,108 | +0.229% | 36 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,264 | +0.499% | 22 | |
9 | Alerus Financial, National Association | Strong | Sound | Strong | Sound | $1,720 | +0.173% | 22 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,540 | +0.228% | 21 | |
11 | Florida Capital Bank, National Association | Strong | Sound | Strong | Sound | $1,425 | +0.474% | 21 | |
12 | WESTCONSIN Credit Union | Strong | Sound | Acceptable | Strong | $798 | +0.268% | 69 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,648 | +0.497% | 50 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,559 | +0.539% | 36 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,480 | +0.650% | 35 | |
16 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,241 | +0.350% | 32 | |
17 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $132 | +0.805% | 31 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,448 | +0.553% | 30 | |
19 | MARINE CREDIT UNION | Sound | Mediocre | Sound | Strong | $2,703 | +1.125% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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