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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 Conventional Mortgage Lenders in La Crosse
Updated February 5, 2026
Market Overview
31
Total Lenders
1,279
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $811 | -0.038% | 45 | |
2 | ALTRA Federal Credit Union | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $559 | +0.333% | 462 | |
3 | Merchants Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $1,140 | +0.125% | 71 | |
4 | University of Wisconsin Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $1,893 | +0.438% | 27 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,096 | +0.294% | 22 | |
6 | Westby Co-op Credit Union | Strong | Strong | Sound | Strong | Strong | $604 | -0.103% | 43 | |
7 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $467 | +0.226% | 111 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,408 | +0.392% | 48 | |
9 | WNB FINANCIAL, N.A. | Strong | Sound | Sound | Strong | Strong | $1,953 | -0.060% | 28 | |
10 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Sound | $1,972 | -0.004% | 24 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,298 | -0.305% | 16 | |
12 | Royal Bank | Strong | Strong | Sound | Sound | Sound | $1,733 | -0.033% | 11 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,225 | +0.562% | 47 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,931 | +0.516% | 36 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,184 | +0.734% | 17 | |
16 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,839 | +0.344% | 11 | |
17 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,670 | +0.303% | 11 | |
18 | GRANITE BANK | Strong | Acceptable | Strong | Strong | Sound | $2,624 | +0.588% | 21 | |
19 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,588 | +0.965% | 10 | |
20 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,996 | +0.803% | 17 | |
21 | CO-OP Credit Union | Sound | Acceptable | Sound | Strong | Sound | $595 | +0.143% | 16 | |
22 | 1st Community Credit Union | Sound | Sound | Acceptable | Sound | Sound | $456 | +0.674% | 14 | |
23 | Citizens State Bank of La Crosse | Sound | Sound | Acceptable | Sound | Sound | $743 | +0.563% | 12 | |
24 | MARINE CREDIT UNION | Sound | Mediocre | Strong | Sound | Sound | $1,618 | +0.930% | 28 | |
25 | COMPEER FINANCIAL, FLCA | Sound | Mediocre | Strong | Sound | Sound | $1,921 | +1.146% | 13 | |
26 | FIREFIGHTERS CREDIT UNION | Sound | Acceptable | Acceptable | Acceptable | Sound | $755 | +0.775% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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