Top Mortgage Lenders in Eau Claire, WI

Which mortgage lender in the Eau Claire, WI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Eau Claire, WI area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Eau Claire, WI area in terms of interest rate is Merchants Bank, with an average “Rate Difference” of -0.24%. This means that, comparing similar borrowers, Merchants Bank provided a -0.24% lower interest rate for its customers than other lenders in the area. Merchants Bank has a market share of 7.7%. On the other hand, the most popular lender in the Eau Claire, WI area is Royal Credit Union, with a larger market share of 27.5%. Royal Credit Union is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Eau Claire, WI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Eau Claire, WI is Merchants Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is US Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Altra Federal Credit Union. The cheapest VA mortgage provider is USAA. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Eau Claire, WI

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.24%(4.5)7.68%
Royal Credit Union-0.08%(4.0)27.54%
Altra Federal Credit Union-0.07%(4.0)6.03%
WESTconsin Credit Union-0.04%(3.5)7.39%
Keller Mortgage-0.01%(3.5)0.71%
Co-op Credit Union-0.01%(3.5)1.67%
Associated Bank-0.00%(3.5)4.29%
First Bank Financial Centre0.00%(3.5)1.65%
Prosperity Home Mortgage LLC0.01%(3.5)0.74%
Servion0.01%(3.5)1.12%
USAA0.01%(3.5)0.80%
Home Federal Savings Bank0.02%(3.5)1.07%
Citizens Community Federal0.03%(3.5)5.22%
US Bank0.04%(3.5)4.46%
Affinity Plus Federal Credit Union0.04%(3.5)1.36%
Wells Fargo Bank0.07%(3.0)4.26%
AMEC Home Loans0.08%(3.0)1.23%
loanDepot0.09%(3.0)1.45%
Citizens State Bank of La Crosse0.12%(3.0)0.74%
Finance of America Mortgage0.12%(3.0)2.37%
Bremer Bank0.14%(3.0)4.31%
Flagstar Bank0.16%(2.5)3.53%
LeaderOne Financial Corporation0.21%(2.5)3.26%
Compeer Financial0.22%(2.5)0.96%
Quicken Loans0.23%(2.5)6.16%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.21%(4.5)6.56%
Altra Federal Credit Union-0.11%(4.0)5.27%
US Bank-0.05%(4.0)4.78%
Royal Credit Union-0.05%(3.5)27.39%
Associated Bank-0.04%(3.5)4.55%
Co-op Credit Union-0.03%(3.5)0.42%
Keller Mortgage-0.03%(3.5)1.14%
Wells Fargo Bank-0.03%(3.5)5.42%
Home Federal Savings Bank-0.03%(3.5)1.06%
First Bank Financial Centre-0.03%(3.5)1.90%
Servion-0.02%(3.5)1.10%
Prosperity Home Mortgage LLC-0.01%(3.5)1.21%
USAA-0.01%(3.5)1.14%
Affinity Plus Federal Credit Union-0.00%(3.5)0.57%
WESTconsin Credit Union-0.00%(3.5)6.56%
loanDepot0.04%(3.5)0.76%
Citizens Community Federal0.06%(3.0)4.63%
AMEC Home Loans0.06%(3.0)1.78%
Citizens State Bank of La Crosse0.10%(3.0)0.30%
Finance of America Mortgage0.11%(3.0)3.60%
Bremer Bank0.14%(3.0)5.46%
Flagstar Bank0.16%(2.5)5.24%
Quicken Loans0.17%(2.5)3.34%
Compeer Financial0.17%(2.5)0.64%
LeaderOne Financial Corporation0.20%(2.5)5.16%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.25%(5.0)9.27%
Royal Credit Union-0.13%(4.0)27.77%
WESTconsin Credit Union-0.08%(4.0)8.57%
Altra Federal Credit Union-0.02%(3.5)7.10%
Citizens Community Federal-0.00%(3.5)6.07%
Co-op Credit Union0.02%(3.5)3.47%
USAA0.05%(3.5)0.33%
First Bank Financial Centre0.05%(3.0)1.30%
Servion0.06%(3.0)1.14%
Prosperity Home Mortgage LLC0.06%(3.0)0.05%
AMEC Home Loans0.06%(3.0)0.43%
Keller Mortgage0.06%(3.0)0.11%
Associated Bank0.06%(3.0)3.90%
Home Federal Savings Bank0.08%(3.0)1.08%
Affinity Plus Federal Credit Union0.08%(3.0)2.49%
LeaderOne Financial Corporation0.08%(3.0)0.54%
Flagstar Bank0.10%(3.0)1.08%
Finance of America Mortgage0.12%(3.0)0.60%
loanDepot0.13%(3.0)2.44%
Bremer Bank0.13%(3.0)2.66%
Citizens State Bank of La Crosse0.15%(2.5)1.36%
US Bank0.20%(2.5)4.01%
Compeer Financial0.27%(2.0)1.41%
Quicken Loans0.28%(2.0)10.20%
Wells Fargo Bank0.33%(2.0)2.60%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.24%(4.5)8.39%
Royal Credit Union-0.07%(4.0)31.17%
Altra Federal Credit Union-0.07%(4.0)6.49%
WESTconsin Credit Union-0.03%(3.5)8.36%
Keller Mortgage-0.00%(3.5)0.45%
Co-op Credit Union-0.00%(3.5)1.89%
Associated Bank0.01%(3.5)4.34%
First Bank Financial Centre0.01%(3.5)1.62%
Prosperity Home Mortgage LLC0.02%(3.5)0.51%
Servion0.02%(3.5)1.06%
Home Federal Savings Bank0.02%(3.5)1.11%
Citizens Community Federal0.03%(3.5)5.91%
Affinity Plus Federal Credit Union0.05%(3.0)1.54%
US Bank0.06%(3.0)4.37%
Wells Fargo Bank0.08%(3.0)4.40%
AMEC Home Loans0.09%(3.0)1.01%
USAA0.10%(3.0)0.28%
loanDepot0.12%(3.0)0.88%
Citizens State Bank of La Crosse0.13%(3.0)0.83%
Bremer Bank0.17%(2.5)4.17%
Flagstar Bank0.19%(2.5)2.42%
Finance of America Mortgage0.19%(2.5)1.06%
LeaderOne Financial Corporation0.23%(2.5)2.37%
Compeer Financial0.24%(2.5)1.01%
Quicken Loans0.36%(1.5)4.34%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.22%(4.5)7.18%
Altra Federal Credit Union-0.11%(4.0)5.63%
US Bank-0.05%(3.5)4.70%
Royal Credit Union-0.04%(3.5)31.99%
Associated Bank-0.04%(3.5)4.70%
Co-op Credit Union-0.03%(3.5)0.49%
Wells Fargo Bank-0.02%(3.5)5.58%
Home Federal Savings Bank-0.02%(3.5)1.15%
First Bank Financial Centre-0.02%(3.5)1.82%
Keller Mortgage-0.02%(3.5)0.80%
Servion-0.01%(3.5)0.97%
Prosperity Home Mortgage LLC-0.00%(3.5)0.84%
Affinity Plus Federal Credit Union0.01%(3.5)0.66%
WESTconsin Credit Union0.01%(3.5)7.67%
loanDepot0.03%(3.5)0.49%
Citizens Community Federal0.06%(3.0)5.41%
USAA0.08%(3.0)0.49%
AMEC Home Loans0.09%(3.0)1.51%
Citizens State Bank of La Crosse0.10%(3.0)0.35%
Bremer Bank0.17%(2.5)5.23%
Flagstar Bank0.18%(2.5)3.77%
Compeer Financial0.18%(2.5)0.75%
Finance of America Mortgage0.19%(2.5)1.51%
LeaderOne Financial Corporation0.23%(2.5)3.85%
Quicken Loans0.26%(2.0)2.48%
Lender NameRate DifferenceRate RatingMarket Share
Merchants Bank-0.25%(5.0)9.99%
Royal Credit Union-0.13%(4.0)30.08%
WESTconsin Credit Union-0.07%(4.0)9.28%
Altra Federal Credit Union-0.01%(3.5)7.64%
Citizens Community Federal0.00%(3.5)6.58%
Co-op Credit Union0.02%(3.5)3.76%
First Bank Financial Centre0.06%(3.0)1.35%
Prosperity Home Mortgage LLC0.06%(3.0)0.06%
Servion0.06%(3.0)1.18%
AMEC Home Loans0.06%(3.0)0.35%
Associated Bank0.07%(3.0)3.88%
Home Federal Savings Bank0.08%(3.0)1.06%
Affinity Plus Federal Credit Union0.09%(3.0)2.70%
LeaderOne Financial Corporation0.10%(3.0)0.41%
Bremer Bank0.14%(3.0)2.76%
Finance of America Mortgage0.14%(3.0)0.47%
Citizens State Bank of La Crosse0.16%(2.5)1.47%
Flagstar Bank0.17%(2.5)0.65%
loanDepot0.17%(2.5)1.41%
US Bank0.22%(2.5)3.94%
Compeer Financial0.30%(2.0)1.35%
Wells Fargo Bank0.34%(2.0)2.82%
Quicken Loans0.43%(1.5)6.82%
Lender NameRate DifferenceRate RatingMarket Share
Altra Federal Credit Union-0.12%(4.0)2.45%
US Bank-0.12%(4.0)3.67%
Associated Bank-0.09%(4.0)2.14%
Keller Mortgage-0.09%(4.0)3.36%
Merchants Bank-0.09%(4.0)1.22%
Prosperity Home Mortgage LLC-0.08%(4.0)2.14%
Wells Fargo Bank-0.08%(4.0)0.92%
First Bank Financial Centre-0.06%(4.0)3.06%
Servion-0.06%(4.0)1.53%
Quicken Loans-0.05%(4.0)23.55%
Home Federal Savings Bank-0.04%(3.5)0.92%
AMEC Home Loans-0.03%(3.5)3.06%
Bremer Bank-0.02%(3.5)4.89%
Finance of America Mortgage0.02%(3.5)16.51%
loanDepot0.04%(3.5)5.50%
Flagstar Bank0.09%(3.0)11.62%
LeaderOne Financial Corporation0.13%(3.0)13.46%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.15%(4.0)3.91%
Altra Federal Credit Union-0.13%(4.0)3.12%
Keller Mortgage-0.11%(4.0)3.91%
Associated Bank-0.11%(4.0)2.73%
Merchants Bank-0.10%(4.0)1.56%
Prosperity Home Mortgage LLC-0.09%(4.0)2.73%
Wells Fargo Bank-0.09%(4.0)1.17%
First Bank Financial Centre-0.07%(4.0)3.52%
Servion-0.07%(4.0)1.56%
Home Federal Savings Bank-0.05%(4.0)0.39%
AMEC Home Loans-0.04%(3.5)3.12%
Quicken Loans-0.04%(3.5)10.94%
Bremer Bank-0.03%(3.5)6.25%
Finance of America Mortgage0.01%(3.5)19.92%
loanDepot0.01%(3.5)3.52%
Flagstar Bank0.08%(3.0)14.84%
LeaderOne Financial Corporation0.12%(3.0)16.80%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)69.01%
US Bank-0.01%(3.5)2.82%
First Bank Financial Centre-0.00%(3.5)1.41%
Servion-0.00%(3.5)1.41%
Finance of America Mortgage0.01%(3.5)4.23%
Home Federal Savings Bank0.01%(3.5)2.82%
AMEC Home Loans0.01%(3.5)2.82%
Keller Mortgage0.02%(3.5)1.41%
LeaderOne Financial Corporation0.04%(3.5)1.41%
loanDepot0.10%(3.0)12.68%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)55.00%
Keller Mortgage-0.00%(3.5)5.00%
Prosperity Home Mortgage LLC0.01%(3.5)5.00%
Home Federal Savings Bank0.01%(3.5)5.00%
Associated Bank0.01%(3.5)15.00%
Compeer Financial0.03%(3.5)15.00%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)75.00%
Prosperity Home Mortgage LLC0.02%(3.5)12.50%
Home Federal Savings Bank0.02%(3.5)12.50%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.01%(3.5)41.67%
Keller Mortgage-0.01%(3.5)8.33%
Associated Bank-0.00%(3.5)25.00%
Compeer Financial0.03%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.06%(4.0)14.37%
loanDepot-0.04%(3.5)6.90%
Wells Fargo Bank-0.04%(3.5)8.05%
Servion-0.04%(3.5)1.72%
Associated Bank-0.03%(3.5)5.75%
Prosperity Home Mortgage LLC-0.02%(3.5)2.87%
Keller Mortgage-0.02%(3.5)1.15%
US Bank-0.01%(3.5)2.30%
Merchants Bank0.00%(3.5)4.60%
LeaderOne Financial Corporation0.01%(3.5)4.60%
Altra Federal Credit Union0.01%(3.5)2.87%
Finance of America Mortgage0.02%(3.5)5.75%
Bremer Bank0.03%(3.5)6.90%
AMEC Home Loans0.03%(3.5)2.87%
Quicken Loans0.05%(3.5)15.52%
Flagstar Bank0.05%(3.0)13.79%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.07%(4.0)16.52%
Associated Bank-0.04%(3.5)6.09%
Wells Fargo Bank-0.04%(3.5)12.17%
Servion-0.04%(3.5)2.61%
Prosperity Home Mortgage LLC-0.02%(3.5)4.35%
Keller Mortgage-0.02%(3.5)1.74%
US Bank-0.01%(3.5)3.48%
Quicken Loans0.00%(3.5)3.48%
Merchants Bank0.01%(3.5)6.09%
Altra Federal Credit Union0.01%(3.5)3.48%
LeaderOne Financial Corporation0.02%(3.5)5.22%
Finance of America Mortgage0.02%(3.5)8.70%
AMEC Home Loans0.03%(3.5)4.35%
Bremer Bank0.03%(3.5)8.70%
Flagstar Bank0.10%(3.0)13.04%
Lender NameRate DifferenceRate RatingMarket Share
loanDepot-0.05%(3.5)20.34%
Flagstar Bank-0.03%(3.5)15.25%
LeaderOne Financial Corporation-0.03%(3.5)3.39%
USAA-0.02%(3.5)10.17%
Altra Federal Credit Union-0.02%(3.5)1.69%
Associated Bank-0.02%(3.5)5.08%
Merchants Bank-0.02%(3.5)1.69%
Bremer Bank-0.01%(3.5)3.39%
Quicken Loans0.05%(3.0)38.98%

* Data is compiled for the Eau Claire, WI commuting zone area, which comprises of counties of Winona County, MN, Buffalo County, WI, Chippewa County, WI, Dunn County, WI, Eau Claire County, WI, Jackson County, WI, Pepin County, WI, and Trempealeau County, WI. This includes cities/towns/communities of Eau Claire, WI as well as Winona, MN, Chippewa Falls, WI, Menomonie, WI, Altoona, WI, Lake Wissota, WI, Lake Hallie, WI, Cornell, WI, Stanley, WI, Dakota, MN, Stockton, MN, Tainter Lake, WI, St. Charles, MN, Elk Mound, WI, Fall Creek, WI, Trempealeau, WI, Seymour, WI, Melrose, WI, Bloomer, WI, Mondovi, WI, Black River Falls, WI, New Auburn, WI, Osseo, WI, Boyceville, WI, Downsville, WI, Taylor, WI, Galesville, WI, Augusta, WI, Merrillan, WI, Ridgeland, WI, Pepin, WI, Durand, WI, Utica, MN, Strum, WI, Millston, WI, Whitehall, WI, Fountain City, WI, Blair, WI, Buffalo City, WI, Alma, WI, Independence, WI, and Arcadia, WI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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