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Mortgage Lenders and Brokers in Eau Claire, Wisconsin

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Eau Claire, Wisconsin mortgage lenders include Royal Credit UnionRoyal Credit Union200 Riverfront Ter, Eau Claire, WI 54703A+5.0 ★Texas Ratio: 0.41%, US Bank, N.A.US Bank, N.A.77 Roosevelt Road Davis Center #110f, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 2.85%, Nicolet National BankNicolet National Bank1010 W Clairemont Ave, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 2.28%, Security Financial BankSecurity Financial Bank4217 Southtowne Dr, Eau Claire, WI 54701A5.0 ★Texas Ratio: 11.46%, Associated Bank NAAssociated Bank NA2722 Eddy Ln, Eau Claire, WI 54703A+5.0 ★Texas Ratio: 3.45%, Citizens Community Federal N.A.Citizens Community Federal N.A.3625 Gateway Dr, Eau Claire, WI 54701A5.0 ★Texas Ratio: 12.61%, Frandsen Bank & TrustFrandsen Bank & Trust4251 Southtowne Dr, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 5.91%, Wells Fargo Bank NAWells Fargo Bank NA2414 Mercantile Dr, Eau Claire, WI 54703A+5.0 ★Texas Ratio: 5.36%, Prevail BankPrevail Bank2225 Fairfax St, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 1.10%, and Old National BankOld National Bank3947 Oakwood Hills Pkwy, Eau Claire, WI 54701A+5.0 ★Texas Ratio: 4.98%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Eau Claire, Wisconsin in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Eau Claire are listed first, then lenders elsewhere in Wisconsin, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Eau Claire, Wisconsin

Market share is the lender's share of all home loans closed in Eau Claire, Wisconsin. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Royal Credit Union 200 Riverfront Ter, Eau Claire, WI 54703 A+5.0 ★Texas Ratio: 0.41%	Conventional, FHA, VA, Jumbo, HELOC	302 +383 HELOCs	24.5%	96.9%	$280,364	View
US Bank, N.A. 3 offices in Eau Claire 77 Roosevelt Road Davis Center #110f, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, HELOC	39 +29 HELOCs	3.2%	90.7%	$232,179	View
Nicolet National Bank 1 office in Eau Claire 1010 W Clairemont Ave, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 2.28%	Conventional, Jumbo, HELOC	24 +21 HELOCs	1.9%	96%	$307,083	View
Security Financial Bank 1 office in Eau Claire 4217 Southtowne Dr, Eau Claire, WI 54701 A5.0 ★Texas Ratio: 11.46%	Conventional	22	1.8%	100%	$176,363	View
Associated Bank NA 2 offices in Eau Claire 2722 Eddy Ln, Eau Claire, WI 54703 A+5.0 ★Texas Ratio: 3.45%	Conventional, FHA, HELOC	20 +40 HELOCs	1.6%	84%	$261,000	View
Citizens Community Federal N.A. 1 office in Eau Claire 3625 Gateway Dr, Eau Claire, WI 54701 A5.0 ★Texas Ratio: 12.61%	Conventional, Jumbo	19	1.5%	82.6%	$358,684	View
Frandsen Bank & Trust 1 office in Eau Claire 4251 Southtowne Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 5.91%	Conventional, Jumbo	16	1.3%	100%	$195,000	View
Wells Fargo Bank NA 2 offices in Eau Claire 2414 Mercantile Dr, Eau Claire, WI 54703 A+5.0 ★Texas Ratio: 5.36%	Conventional	13	1.1%	87.5%	$195,000	View
Prevail Bank 1 office in Eau Claire 2225 Fairfax St, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 1.10%	Conventional	12	1%	92.9%	$211,666	View
Old National Bank 1 office in Eau Claire 3947 Oakwood Hills Pkwy, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo, HELOC	9 +4 HELOCs	0.7%	100%	$439,444	View
BMO Harris Bank NA 2 offices in Eau Claire 228 Water St, Eau Claire, WI 54703 A+5.0 ★Texas Ratio: 3.54%	Conventional, FHA, Jumbo, HELOC	8 +18 HELOCs	0.6%	88.9%	$456,250	View
Merchants Bank, National Association 1 office in Eau Claire 2728 Mall Dr, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 3.28%	FHA, HELOC	1 +5 HELOCs	0.1%	100%	$215,000	View
Westconsin Credit Union 1111 W Clairemont Ave, Eau Claire, WI 54701 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	64 +46 HELOCs	5.2%	78%	$165,156	View
Marine Credit Union 3406 Oakwood HIlls Pkwy Ste 100, Eau Claire, WI 54701 A5.0 ★Texas Ratio: 13.08%	Conventional, HELOC	24 +4 HELOCs	1.9%	56.2%	$154,583	View
The Northwestern Bank 1430 Rivers Edge Trl, Altoona, WI 54720 A+5.0 ★Texas Ratio: 0.21%	Conventional, Jumbo	20	1.6%	87%	$344,000	View
Citizens State Bank 304 N Main St, Cadott, WI 54727	Conventional	13	1.1%	100%	$188,076
Citizens State Bank 1028 N Hillcrest Pkwy, Altoona, WI 54720 A5.0 ★Texas Ratio: 7.56%	Conventional	9	0.7%	90.9%	$310,555	View
Alerus Financial NA 1870 Meadow Ln, Pewaukee, WI 53072 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.6%	100%	$380,714	View
JPMorgan Chase Bank, NA 700 5th Ave, Antigo, WI 54409 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.5%	75%	$341,666	View
Dairy State Bank 124 N Main Street, Birchwood, WI 54817 A+5.0 ★Texas Ratio: 0.30%	Conventional	6	0.5%	100%	$408,333	View
WNB Financial 1160 Blazing Star Blvd, Altoona, WI 54720 A+5.0 ★Texas Ratio: 0.47%	Conventional	6	0.5%	100%	$246,666	View
Altra Federal Credit Union 1404 S MAIN ST, HOLMEN, WI 54636 8928 A+5.0 ★Texas Ratio: 1.27%	Conventional, HELOC	5 +3 HELOCs	0.4%	100%	$209,000	View
Huntington National Bank 12850 W Bluemound Rd, Elm Grove, WI 53122 A+5.0 ★Texas Ratio: 3.66%	Conventional	5	0.4%	100%	$373,000	View
Co-op Credit Union 100 E Main St, Black River Falls, WI 54615 A+5.0 ★Texas Ratio: 5.54%	Conventional	5	0.4%	100%	$267,000	View
Security Bank 1923 17th Ave, Bloomer, WI 54724 A5.0 ★Texas Ratio: 9.12%	Conventional	3	0.2%	100%	$198,333	View
Forward Bank 225 Alfred St, Athens, WI 54411 A+5.0 ★Texas Ratio: 2.26%	Conventional, Jumbo	3	0.2%	100%	$425,000	View
Ixonia Bank 491 N Main St, Dousman, WI 53118 A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	3	0.2%	100%	$241,666	View
Summit Credit Union 871 Commerce Ave, Baraboo, WI 53913 A+5.0 ★Texas Ratio: 4.84%	Conventional, HELOC	2 +5 HELOCs	0.2%	50%	$220,000	View
Citizens State Bank 601 S Main St, Elmwood, WI 54740 A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.2%	100%	$160,000	View
Chippewa Valley Bank 1508 Lake Shore Dr W, Ashland, WI 54806 A+5.0 ★Texas Ratio: 1.81%	Conventional	2	0.2%	100%	$380,000	View
Capital Credit Union 926 W College Ave, Appleton, WI 54914 5261 A+5.0 ★Texas Ratio: 5.78%	Conventional	2	0.2%	100%	$455,000	View
Covantage Credit Union Antigo Middle School, Antigo, WI 54409 A5.0 ★Texas Ratio: 10.08%	Conventional	2	0.2%	100%	$315,000	View
Johnson Bank 222 W College Ave, Appleton, WI 54911 A+5.0 ★Texas Ratio: 1.47%	Conventional	2	0.2%	100%	$275,000	View
Bank Five Nine 18815 W Capitol Dr, Brookfield, WI 53045 A5.0 ★Texas Ratio: 8.25%	Conventional	2	0.2%	50%	$305,000	View
Superior Choice Credit Union 3250 N Clairemont Ave, Eau Claire, WI 54703	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$325,000
First American Bank 1350 22nd Ave, Kenosha, WI 53140 A+5.0 ★Texas Ratio: 2.93%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$235,000	View
East Wisconsin Savings Bank 1501 N Casaloma Dr, Appleton, WI 54913 B-3.3 ★Texas Ratio: 0.83%	Conventional	1	0.1%	100%	$185,000	View
Collins State Bank 314 S Main St, Brillion, WI 54110 A+5.0 ★Texas Ratio: 2.71%	Conventional	1	0.1%	100%	$115,000	View
Flagstar Bank NA 100 E 1st St, Gillett, WI 54124 D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	50%	$455,000	View
Dmb Community Bank 321 N Main St, Deforest, WI 53532 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$315,000	View
Heartland Credit Union 120 Vinburn Rd, DeForest, WI 53532 1487	Conventional	1	0.1%	100%	$275,000
Oostburg State Bank 10 Phoenix St, Cedar Grove, WI 53013 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$225,000	View
Bluff View Bank 16893 S Main St, Galesville, WI 54630 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$365,000	View
Peoples State Bank 1011 E Wall St, Eagle River, WI 54521 A5.0 ★Texas Ratio: 11.20%	Conventional	1	0.1%	100%	$185,000	View
Town Bank, N.A. 2664 Prairie Ave, Beloit, WI 53511 A+5.0 ★Texas Ratio: 1.59%	Conventional	1	0.1%	100%	$265,000	View
Peoples State Bank of Plainview 715 Highway 79, Boyceville, WI 54725 A-4.7 ★Texas Ratio: 9.93%	Conventional	1	0.1%	100%	$235,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 12805 W Bluemound Rd, Brookfield, WI 53005 A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$235,000	View
Valley Communities Credit Union 2290 County Road X, Kronenwetter, WI 54455 A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$275,000	View
Umb Bank NA 580 N Main St, Cottage Grove, WI 53527 A+5.0 ★Texas Ratio: 1.78%	Conventional	1	0.1%	100%	$635,000	View
Lake Ridge Bank 27 W Main St, Belleville, WI 53508 A+5.0 ★Texas Ratio: 2.83%	Conventional	1	0.1%	100%	$175,000	View
Fairway Independent Mort Corp	Conventional, FHA, VA	29	2.4%	100%	$334,655
Compeer Financial	Conventional, Jumbo	8	0.6%	90.9%	$460,000
Uw Credit Union	Conventional, HELOC	3 +13 HELOCs	0.2%	100%	$255,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$275,000	View
Rocket Mortgage	Conventional, FHA, VA	121	9.8%	86.3%	$227,479
United Wholesale Mortgage	Conventional, FHA, VA	32	2.6%	86.8%	$272,187
Mortgage Research Center	FHA, VA	27	2.2%	77.8%	$320,185
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	26 +2 HELOCs	2.1%	90%	$223,846
CrossCountry Mortgage, LLC	Conventional, FHA, VA	20	1.6%	87%	$226,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	18	1.5%	94.7%	$302,777
Pennymac Loan Services LLC	Conventional, FHA, VA	16	1.3%	89.5%	$201,875
Freedom Mortgage Corporation	FHA, VA	15	1.2%	89.5%	$249,666
Envoy Mortgage, Ltd	Conventional, FHA	14	1.1%	100%	$232,142
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	14	1.1%	93.3%	$273,571
Mayo Employees Federal Credit Union	Conventional	9	0.7%	100%	$369,444
Navy Federal Credit Union	Conventional, VA, HELOC	8 +1 HELOCs	0.6%	100%	$228,750
loanDepot.com LLC	Conventional, VA	8	0.6%	57.1%	$268,750
Newrez LLC	Conventional, FHA	7	0.6%	87.5%	$215,000
Nationstar Mortgage	Conventional	7	0.6%	87.5%	$119,285
New American Funding, LLC.	Conventional, FHA, HELOC	6 +1 HELOCs	0.5%	85.7%	$185,000
Spring Eq, LLC	Conventional, HELOC	6 +1 HELOCs	0.5%	46.2%	$41,666
Amerisave Mortgage Company	Conventional	6	0.5%	40%	$96,666
Florida Capital Bank, N.A	Conventional	6	0.5%	100%	$226,666
Guild Mortgage Company	Conventional, FHA, VA	5	0.4%	100%	$295,000
Better Mortgage Corporation	Conventional, FHA, HELOC	4 +1 HELOCs	0.3%	100%	$237,500
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	4	0.3%	80%	$220,000
Servion A+5.0 ★Texas Ratio: 0.09%	Conventional	4	0.3%	80%	$255,000	View
Triad Financial Services, Inc.	Conventional	4	0.3%	50%	$52,500
Bell Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, VA	4	0.3%	100%	$192,500	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	100%	$202,500	View
Tradition Mortgage, LLC	Conventional	4	0.3%	100%	$122,500
Sage Home Loans Corporation	Conventional	3	0.2%	80%	$451,666
Diamond Residential Mtg Corp	Conventional	3	0.2%	100%	$248,333
Cardinal Financial Company, Li	Conventional, FHA, Jumbo	3	0.2%	100%	$625,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	75%	$355,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	3	0.2%	75%	$328,333	View
Mutual of Omaha Mortgage	Conventional, VA	3	0.2%	100%	$295,000
Paramount Residential Mortgage	Conventional, FHA	3	0.2%	100%	$168,333
Zippy Loans, LLC	Conventional	2	0.2%	66.7%	$65,000
Bremer Bank NA	Conventional	2	0.2%	100%	$160,000
Lakeview Loan Servicing, LLC	Conventional	2	0.2%	40%	$170,000
AdvantageFirst Lending Inc	FHA, VA	2	0.2%	100%	$275,000
Click n' Close, Inc.	Conventional, FHA	2	0.2%	100%	$125,000
American Financing Corporation	Conventional	2	0.2%	50%	$125,000
First Northern Credit Union	Conventional	2	0.2%	100%	$155,000
First Colony Mortgage Corporat	Conventional, FHA	2	0.2%	66.7%	$85,000
New Day Financial, LLC.	VA	2	0.2%	60%	$265,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	2	0.2%	100%	$195,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	2	0.2%	66.7%	$160,000	View
Lake Michigan Credit Union	Conventional	2	0.2%	100%	$525,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	2	0.2%	100%	$340,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$485,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	2	0.2%	100%	$265,000	View
Village Capital & Investment	FHA	2	0.2%	100%	$250,000
Affinity Plus Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000
Pacific Residential Mortgage, LLC	FHA	1	0.1%	100%	$215,000
Southwest Airlines FCU	Conventional	1	0.1%	100%	$65,000
First Community Mortgage, Inc. A5.0 ★Texas Ratio: 8.84%	Conventional	1	0.1%	100%	$255,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$395,000
Primelending	FHA	1	0.1%	100%	$275,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$325,000	View
Greenstate Credit Union	Conventional	1	0.1%	50%	$35,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$505,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$225,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$155,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	FHA	1	0.1%	100%	$335,000	View
Filo Mortgage, LLC	VA	1	0.1%	100%	$375,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	FHA	1	0.1%	100%	$315,000	View
American Financial Network, Inc.	Conventional	1	0.1%	100%	$315,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional	1	0.1%	100%	$275,000	View
HomeBridge Financial Services, Inc	Conventional	1	0.1%	100%	$415,000
Discover Bank	Conventional	1	0.1%	14.3%	$35,000
Think Mutual Bank A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0.1%	100%	$595,000	View
Credit Human Federal Credit Un	Conventional	1	0.1%	33.3%	$95,000
Flat Branch Mortgage, Inc.	VA	1	0.1%	100%	$425,000
Bay Equity LLC	Conventional	1	0.1%	100%	$65,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$305,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$275,000
Shoreham Bank	FHA	1	0.1%	100%	$25,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$235,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$195,000
Planet Home Lending, LLC	FHA	1	0.1%	100%	$215,000
Provident Funding Associates	Conventional	1	0.1%	100%	$295,000
Nations Lending Corporation	FHA	1	0.1%	100%	$165,000
Atlanta Postal Credit Union	Conventional	1	0.1%	100%	$135,000
Ideal Credit Union	Conventional	1	0.1%	100%	$65,000
Veridian Credit Union	Conventional	1	0.1%	100%	$435,000
United Mortgage Corp.	FHA	1	0.1%	100%	$235,000
Pentagon Federal Credit Union	Conventional	1	0.1%	50%	$235,000
Wings Financial Credit Union	Conventional	1	0.1%	100%	$275,000
Endeavor Capital, LLC	FHA	1	0.1%	100%	$205,000
Zillow Home Loans, LLC	Conventional	1	0.1%	25%	$285,000
Summit Mortgage Corporation	Conventional	1	0.1%	100%	$125,000
Thrivent Bank	Conventional	1	0.1%	100%	$15,000	View
21St Mortgage	Conventional	1	0.1%	14.3%	$75,000
Carrington Mortgage Services LLC	FHA	1	0.1%	14.3%	$215,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$235,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$285,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$335,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Notre Dame Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Eau Claire Mortgage Rate Trends

Daily average mortgage rates for Wisconsin compared with the national average, updated every evening.

30-Year Fixed WI Avg

7.558%

▲ 0.070 vs 7 days ago

15-Year Fixed WI Avg

7.006%

▲ 0.077 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Eau Claire, Wisconsin

Looking for mortgage lenders near me or mortgage brokers near me in Eau Claire? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Eau Claire in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Eau Claire, WI

Use these to narrow the list above. Each category shows how many Eau Claire, WI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 66 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 60 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 40 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 25 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in WI 37 lenders headquartered in Wisconsin, the closest thing to a mortgage lender near you

Who Lends in Eau Claire, WI

Independent mortgage companies closed 37.6 percent of home loans in Eau Claire, Wisconsin in 2025, banks 26.4 percent and credit unions 36 percent. Fairway Independent Mort Corp was the largest mortgage company, US Bank, N.A. the largest bank and Royal Credit Union the largest credit union. Among lenders headquartered in Wisconsin, Royal Credit Union led with 302 loans.

37.6%

Mortgage companies

26.4%

Banks

36%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Wisconsin. Real estate transfer fee of $3 per $1,000 of value (0.3 percent), paid by the seller (Wis. Stat. 77.22); no mortgage tax.

More Wisconsin Mortgage Lender Pages

All Wisconsin lenders 760 lenders Milwaukee 256 lenders Madison 197 lenders Appleton 171 lenders Green Bay 152 lenders Kenosha 160 lenders Oshkosh 147 lenders Janesville 166 lenders Waukesha 156 lenders Racine 139 lenders West Allis 149 lenders Fond du Lac 131 lenders Sheboygan 127 lenders

Frequently Asked Questions About Mortgage Lenders in Eau Claire, WI

Who is the largest mortgage lender in Eau Claire, WI?

By home loans closed in 2025, Royal Credit Union was the largest mortgage lender in Eau Claire, Wisconsin with 302 loans, about 24.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Eau Claire, WI have the highest approval rates?

Among lenders with meaningful volume in Eau Claire, Wisconsin, Royal Credit Union approved the highest share of completed applications in 2025 at 96.9 percent, against a 86.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Eau Claire, WI mortgage lenders offer FHA, VA and USDA loans?

40 lenders closed FHA loans in Eau Claire, Wisconsin in 2025, led by Rocket Mortgage with 19. 25 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Eau Claire, WI lender list?

Yes. 60 banks and 27 credit unions closed home loans in Eau Claire, Wisconsin in 2025, alongside 66 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Eau Claire, WI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Eau Claire, Wisconsin during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Eau Claire, Wisconsin for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Eau Claire. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.