Safe Rate Rankings

Best Conventional Mortgage Lenders in La Crosse

Updated May 22, 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 Lenders31

Total Loans1,279

Median Rate Spread0.34%

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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	$811Fees	0.038%Below	45
2	ALTRA Federal Credit UnionCredit Union	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$559Fees	0.333%Above	462
3	Merchants Bank, National AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$1,140Fees	0.125%Above	71
4	University of Wisconsin Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$1,893Fees	0.438%Above	27
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,096Fees	0.294%Above	22
6	Westby Co-op Credit UnionCredit Union	Strong	Strong	Sound	Strong	Strong	$604Fees	0.103%Below	43
7	Servion, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$467Fees	0.226%Above	111
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,408Fees	0.392%Above	48
9	WNB FINANCIAL, N.A.Bank	Strong	Sound	Sound	Strong	Strong	$1,953Fees	0.060%Below	28
10	Alerus Financial, National AssociationBank	Strong	Sound	Strong	Strong	Sound	$1,972Fees	0.004%Below	24
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,298Fees	0.305%Below	16
12	Royal BankBank	Strong	Strong	Sound	Sound	Sound	$1,733Fees	0.033%Below	11
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,225Fees	0.562%Above	47
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,931Fees	0.516%Above	36
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,184Fees	0.734%Above	17
16	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,839Fees	0.344%Above	11
17	Bell BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,670Fees	0.303%Above	11
18	GRANITE BANKBank	Strong	Acceptable	Strong	Strong	Sound	$2,624Fees	0.588%Above	21
19	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,588Fees	0.965%Above	10
20	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,996Fees	0.803%Above	17
21	CO-OP Credit UnionCredit Union	Sound	Acceptable	Sound	Strong	Sound	$595Fees	0.143%Above	16
22	1st Community Credit UnionIndependent Mortgage Company	Sound	Sound	Acceptable	Sound	Sound	$456Fees	0.674%Above	14
23	Citizens State Bank of La CrosseBank	Sound	Sound	Acceptable	Sound	Sound	$743Fees	0.563%Above	12
24	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Sound	$1,618Fees	0.930%Above	28
25	COMPEER FINANCIAL, FLCAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$1,921Fees	1.146%Above	13
26	FIREFIGHTERS CREDIT UNIONCredit Union	Sound	Acceptable	Acceptable	Acceptable	Sound	$755Fees	0.775%Above	16

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.