Home purchase lenders in Eau Claire County
1,160 home purchase mortgages were made in Eau Claire County, Wisconsin, in 2025, by 161 lenders. The median rate their borrowers got was 6.625% on a median loan of $245,000. Of 1,365 decisions, 128 were denials — 9.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Royal Credit Union | 361 | 6.500% | $235,000 | 0.8% |
| Rocket Mortgage, LLC | 59 | 6.500% | $265,000 | 11.9% |
| Nicolet National Bank | 51 | 6.750% | $265,000 | 1.9% |
| WESTCONSIN Credit Union | 43 | 6.590% | $245,000 | 12.7% |
| Citizens Community Federal National Association | 33 | 6.875% | $305,000 | 5.7% |
| UNION HOME MORTGAGE CORP. | 32 | 6.688% | $235,000 | 10.8% |
| Fairway Independent Mortgage Corporation | 32 | 6.558% | $300,000 | 0.0% |
| Mortgage Research Center, LLC | 28 | 6.500% | $305,000 | 6.5% |
| U.S. Bank National Association | 27 | 6.375% | $265,000 | 3.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 26 | 6.563% | $235,000 | 3.7% |
| Northwestern Bank | 23 | Not published | $275,000 | 4.2% |
| GUARANTEED RATE, INC. | 22 | 6.625% | $245,000 | 4.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.750% | $235,000 | 12.5% |
| Associated Bank, National Association | 18 | 6.625% | $250,000 | 24.0% |
| ENVOY MORTGAGE, LTD | 17 | 6.625% | $215,000 | 0.0% |
| Security Financial Bank | 13 | Not published | $195,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 13 | 6.625% | $295,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 12 | 7.113% | $330,000 | 0.0% |
| BMO Bank National Association | 12 | 6.688% | $265,000 | 14.3% |
| Prevail Bank | 12 | 6.750% | $270,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.730% | $75,000 | 46.5% |
| Frandsen Bank & Trust | 11 | 7.125% | $215,000 | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank of La Crosse | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CO-OP Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WNB FINANCIAL, N.A. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 62.5% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Servion, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bell Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Choice Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Dairy State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Forward Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, 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% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| University of Wisconsin Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 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% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Bank Five Nine | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bremer Bank, National Association | 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% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 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% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 85.7% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 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% |
| AFFINITY PLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 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% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 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% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 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% |
| Bank First, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mound City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 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% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NORTHERN Credit Union | 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% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC RESIDENTIAL 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% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 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 |
| 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 |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 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% |
| First Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Park State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Johnson Financial Group | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FirstBank | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
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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. 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.