# Best Conventional Mortgage Lenders in La Crosse

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in La Crosse. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/la-crosse/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 31
- **Total Loans:** 1,279
- **Median Rate Spread:** 0.3351%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Associated Bank, National Association | 89 | 93 | 70 | 45 | Bank |
| 2 | ALTRA Federal Credit Union | 88 | 50 | 83 | 462 | Credit Union |
| 3 | Merchants Bank, National Association | 80 | 71 | 77 | 71 | Bank |
| 4 | University of Wisconsin Credit Union | 79 | 74 | 76 | 27 | Credit Union |
| 5 | U.S. Bank National Association | 79 | 75 | 69 | 22 | Bank |
| 6 | Servion, Inc. | 74 | 44 | 76 | 111 | Independent Mortgage Company |
| 7 | Westby Co-op Credit Union | 74 | 72 | 74 | 43 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 70 | 28 | 87 | 48 | Independent Mortgage Company |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 16 | Independent Mortgage Company |
| 10 | WNB FINANCIAL, N.A. | 69 | 47 | 62 | 28 | Bank |
| 11 | Alerus Financial, National Association | 69 | 54 | 73 | 24 | Bank |
| 12 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 47 | Independent Mortgage Company |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 36 | Independent Mortgage Company |
| 14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 17 | Independent Mortgage Company |
| 15 | FIRST COLONY MORTGAGE CORPORATION | 66 | 38 | 77 | 11 | Independent Mortgage Company |
| 16 | Bell Bank | 66 | 36 | 80 | 11 | Bank |
| 17 | Royal Bank | 64 | 68 | 42 | 11 | Bank |
| 18 | GRANITE BANK | 63 | 34 | 71 | 21 | Bank |
| 19 | DAS Acquisition Company, LLC | 60 | 29 | 75 | 10 | Independent Mortgage Company |
| 20 | CO-OP Credit Union | 58 | 36 | 65 | 16 | Credit Union |
| 21 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 17 | Independent Mortgage Company |
| 22 | 1st Community Credit Union | 54 | 54 | 42 | 14 | Independent Mortgage Company |
| 23 | Citizens State Bank of La Crosse | 54 | 56 | 57 | 12 | Bank |
| 24 | CONSUMER REAL ESTATE FINANCE CO. | 53 | N/A | 46 | 43 | Independent Mortgage Company |
| 25 | MARINE CREDIT UNION | 49 | 9 | 50 | 28 | Credit Union |
| 26 | COMPEER FINANCIAL, FLCA | 49 | 12 | 48 | 13 | Independent Mortgage Company |
| 27 | FIREFIGHTERS CREDIT UNION | 44 | 21 | 33 | 16 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within La Crosse.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.