Safe Rate Rankings

Best Conventional Mortgage Bank 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 Lenders11

Total Loans1,484

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Associated Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$874Fees	0.106%Below	57
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$233Fees	0.058%Above	57
3	Citizens Community Federal National AssociationBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,230Fees	0.178%Above	44
4	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,952Fees	0.025%Above	13
5	Nicolet National BankBank	Strong	Sound	Strong	Exceptional	Sound	$1,108Fees	0.229%Above	36
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,171Fees	0.052%Above	12
7	Barrington Bank & Trust Company, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,072Fees	0.129%Above	12
8	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,919Fees	0.025%Above	10
9	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Strong	Sound	$1,720Fees	0.173%Above	22
10	Prevail BankBank	Strong	Strong	Sound	Sound	Sound	$598Fees	0.071%Below	14
11	Florida Capital Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,425Fees	0.474%Above	21

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.