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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 Conventional Mortgage Lenders in Eau Claire

Updated February 5, 2026

Market Overview

Total Lenders

1,484

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Royal Credit Union	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$487	+0.055%	569
2	Associated Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Strong	$874	-0.106%	57
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$233	+0.058%	57
4	Citizens Community Federal National Association	Exceptional	Exceptional	Sound	Sound	Strong	$1,230	+0.178%	44
5	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,952	+0.025%	13
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,620	+0.358%	142
7	Nicolet National Bank	Strong	Sound	Strong	Exceptional	Sound	$1,108	+0.229%	36
8	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,264	+0.499%	22
9	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$3,360	+0.533%	13
10	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,171	+0.052%	12
11	Barrington Bank & Trust Company, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,072	+0.129%	12
12	First Federal Bank	Strong	Strong	Strong	Sound	Sound	$1,919	+0.025%	10
13	WESTCONSIN Credit Union	Strong	Sound	Strong	Sound	Strong	$798	+0.268%	69
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,842	+0.188%	35
15	Alerus Financial, National Association	Strong	Sound	Strong	Strong	Sound	$1,720	+0.173%	22
16	Prevail Bank	Strong	Strong	Sound	Sound	Sound	$598	-0.071%	14
17	Tradition Mortgage, LLC	Strong	Sound	Strong	Strong	Sound	$2,153	+0.158%	10
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,648	+0.497%	50
19	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,559	+0.539%	36
20	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,480	+0.650%	35
21	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,241	+0.350%	32
22	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,448	+0.553%	30
23	Florida Capital Bank, National Association	Strong	Sound	Strong	Sound	Sound	$1,425	+0.474%	21
24	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,074	+0.314%	19
25	CO-OP Credit Union	Sound	Acceptable	Sound	Strong	Sound	$503	+0.193%	10
26	ENVOY MORTGAGE, LTD	Sound	Acceptable	Strong	Sound	Sound	$2,235	+0.638%	10
27	MARINE CREDIT UNION	Sound	Mediocre	Strong	Sound	Strong	$2,703	+1.125%	38
28	COMPEER FINANCIAL, FLCA	Sound	Mediocre	Strong	Sound	Sound	$2,322	+0.699%	14

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.

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Eau Claire, WIConventional

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