Mortgage lenders in Eau Claire County
2,498 mortgages were made in Eau Claire County, Wisconsin, in 2025, by 220 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 3,118 decisions, 471 were denials — 15.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Royal Credit Union | 891 | 6.750% | $145,000 | 7.7% |
| WESTCONSIN Credit Union | 162 | 7.500% | $105,000 | 12.5% |
| Rocket Mortgage, LLC | 146 | 6.500% | $205,000 | 13.8% |
| Nicolet National Bank | 91 | 7.000% | $205,000 | 4.2% |
| Associated Bank, National Association | 78 | 7.250% | $80,000 | 33.3% |
| U.S. Bank National Association | 77 | 8.050% | $145,000 | 17.9% |
| Citizens Community Federal National Association | 58 | 6.625% | $290,000 | 7.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 46 | 6.500% | $245,000 | 17.5% |
| MARINE CREDIT UNION | 39 | 8.730% | $115,000 | 46.4% |
| UNION HOME MORTGAGE CORP. | 35 | 6.875% | $205,000 | 11.1% |
| Fairway Independent Mortgage Corporation | 35 | 6.490% | $295,000 | 0.0% |
| Mortgage Research Center, LLC | 33 | 6.375% | $305,000 | 22.7% |
| Security Financial Bank | 31 | Not published | $175,000 | 0.0% |
| Northwestern Bank | 30 | Not published | $240,000 | 9.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.750% | $225,000 | 9.7% |
| CO-OP Credit Union | 27 | 6.650% | $155,000 | 3.6% |
| BMO Bank National Association | 26 | 7.880% | $170,000 | 30.0% |
| GUARANTEED RATE, INC. | 25 | 6.625% | $255,000 | 10.7% |
| Frandsen Bank & Trust | 23 | 7.000% | $165,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.495% | $220,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.250% | $260,000 | 8.0% |
| Old National Bank | 20 | 6.440% | $250,000 | 23.1% |
| Prevail Bank | 20 | 6.750% | $215,000 | 4.6% |
| Citizens State Bank | 19 | Not published | $235,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 18 | 7.125% | $285,000 | 0.0% |
| University of Wisconsin Credit Union | 18 | 6.438% | $120,000 | 14.3% |
| ENVOY MORTGAGE, LTD | 17 | 6.625% | $215,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 17 | 6.625% | $235,000 | 5.6% |
| Merchants Bank, National Association | 14 | 6.550% | $120,000 | 6.7% |
| Citizens State Bank of La Crosse | 13 | 6.750% | $275,000 | 6.7% |
| Wells Fargo Bank, National Association | 13 | 6.750% | $185,000 | 12.5% |
| Navy Federal Credit Union | 13 | 6.500% | $185,000 | 7.1% |
| ALTRA Federal Credit Union | 12 | 6.933% | $165,000 | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.730% | $75,000 | 46.5% |
| Loandepot.Com, LLC | 11 | 6.750% | $165,000 | 47.8% |
| AmeriSave Mortgage Corporation | 10 | 8.250% | $50,000 | 50.0% |
| Alerus Financial, National Association | 10 | 6.500% | $270,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| WNB FINANCIAL, N.A. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Tradition Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 29.4% |
| Summit Credit Union | 7 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Dairy State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Servion, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Choice Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Forward Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bremer Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Bank Five Nine | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 63.6% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wings Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Ridge Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chippewa Valley Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIMPLICITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East Wisconsin Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bluff View Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oostburg State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Collins State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DMB Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peshtigo National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AbbyBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of River Falls | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Coulee Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| National Exchange Bank and Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The First National Bank Of Bangor | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | Not published |
| First Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| ALL IN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 20 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Eau Claire County
24 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 3 | $257.4 million |
| CCFBank National Association | 2 | $378.0 million |
| Associated Bank, National Association | 2 | $335.4 million |
| Wells Fargo Bank, National Association | 2 | $265.7 million |
| Unity Bank | 2 | $118.2 million |
| BMO Bank National Association | 2 | $96.7 million |
| Oakwood Bank | 2 | $55.1 million |
| Nicolet National Bank | 1 | $411.4 million |
| Northwestern Bank | 1 | $98.5 million |
| Security Financial Bank | 1 | $97.3 million |
| Merchants Bank, National Association | 1 | $95.1 million |
| Frandsen Bank & Trust | 1 | $83.4 million |
| Old National Bank | 1 | $56.4 million |
| Citizens State Bank of La Crosse | 1 | $29.1 million |
| Prevail Bank | 1 | $15.6 million |
| WNB FINANCIAL, N.A. | 1 | $12.4 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Unity Bank, 111 N Front St, Fairchild
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.