# Prevail Bank

> **Canonical URL:** https://saferate.com/lenders/prevail-bank


> **📋 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


Prevail Bank is a bank, headquartered in Medford, WI, with 89 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900OC13I9CJC7SD87
- **Headquarters:** Medford, WI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.069%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $582
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 89
- **Dollar Volume:** $22 million
- **Applications Received:** 133
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,416
- **Average Borrower Income:** $107,573
- **Average Property Value:** $375,674

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 89 | +0.069% | $582 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 61 loans, Score: 39/100 (Acceptable)
- Refinance: 28 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 61 | $17M | +0.071% | Acceptable 🙂 |
| Refinance | 35/100 | 28 | $4M | +0.066% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 89 | 0.13% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 51 | 52/100 |
| Wausau, WI | WI | 18 | 56/100 |
| Eau Claire, WI | WI | 14 | 54/100 |

## Where This Lender Ranks

Prevail Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Wausau, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Eau Claire, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Prevail Bank offer?

Prevail Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Prevail Bank offer mortgages?

Prevail Bank offers mortgages in 1 states: WI.

### How competitive are Prevail Bank's mortgage rates?

Prevail Bank has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.069% above market average.

### What type of lender is Prevail Bank?

Prevail Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Medford, WI.

### What is Prevail Bank's loan approval success rate?

Prevail Bank has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/prevail-bank

### How to Cite

> "Prevail Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/prevail-bank

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