EAU CLAIRE Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Eau Claire averaged 6.39% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 6.67% and one month ago for the week of 2023-02-16, the average rate was 6.39%.

Eau Claire's average rate one year ago was 3.78%.

For refis of the same type during the week of 2023-03-23, the average rate was 7.15%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Eau Claire 30 Year Fixed Rate 2023-03-23 6.39%
Eau Claire 30 Year Fixed Rate Refi 2023-03-23 7.15%
Eau Claire 15 Year Fixed Rate 2023-03-23 6.14%
Eau Claire 15 Year Fixed Rate Refi 2023-03-23 6.23%
Eau Claire 30 Year FHA 2023-03-23 6.25%
Eau Claire 30 Year FHA Refi 2023-03-23 6.01%
Eau Claire 30 Year USDA 2023-03-23 6.35%
Eau Claire 30 Year USDA Refi 2023-03-23 5.96%
Eau Claire 30 Year VA 2023-03-23 6.25%
Eau Claire 30 Year VA Refi 2023-03-23 5.97%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within EAU CLAIRE, WI.

EAU CLAIRE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the EAU CLAIRE, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Royal Credit Union 613 4.65% $89
WESTconsin Credit Union 150 4.06% $2,647
U.S. Bank 74 4.86% $2,991
QUICKEN LOANS, LLC 71 4.96% $6,258
Associated Bank 63 4.49% $2,211
Citizens Community Federal 57 4.69% $3,801
Bremer Bank 49 5.02% $3,726
Wells Fargo Bank 44 4.51% $3,866
American Mortgage & Equity Consultants, Inc. 41 5.27% $4,016
FINANCE OF AMERICA MORTGAGE LLC 39 5.06% $5,653
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 34 5.06% $3,991
CROSSCOUNTRY MORTGAGE, LLC 32 5.34% $3,862
CO-OP Credit Union 31 4.26% $1,580
PRIMELENDING, A PLAINSCAPITAL COMPANY 30 5.04% $4,234
Prevail Bank 27 4.07% $2,280
LAND HOME FINANCIAL SERVICES, INC. 26 6.01% $5,615
Nicolet National Bank 23 5.50% $3,115
Security Financial Bank 23 4.58% $1,854
LOANDEPOT.COM, LLC 19 4.62% $5,913
Prosperity Home Mortgage, LLC 18 4.98% $4,550
Forward Bank 17 4.42% $2,079
Frandsen Bank & Trust 14 4.77% $5,539
UNITED WHOLESALE MORTGAGE, LLC 13 4.57% $4,518
Merchants Bank 12 4.10% $2,448
Citizens State Bank of La Crosse 12 4.90% $1,981
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 5.14% $4,863
Barrington Bank & Trust Company, N.A. 11 4.92% $3,959
University of Wisconsin Credit Union 11 4.06% $2,482
Mr. Cooper ( Nationstar Mortgage ) 11 4.83% $5,656
WNB Financial, N.A. 10 4.93% $3,509
Flagstar Bank, FSB 9 3.98% $4,176
BMO Harris Bank 8 5.06% $3,399
BROKER SOLUTIONS, INC. 8 5.14% $5,540
AMERISAVE MORTGAGE CORPORATION 8 4.20% $5,914
JPMorgan Chase Bank 8 5.00% $3,578
Bank Five Nine 7 4.32% $2,282
Bell Bank 7 4.86% $3,926
INLANTA MORTGAGE, INC. 7 5.50% $2,896
FREEDOM MORTGAGE CORPORATION 6 5.17% $5,084
UNION HOME MORTGAGE CORP. 6 4.25% $4,715
Tradition Mortgage, LLC 5 5.08% $4,546
ALTRA 5 4.95% $2,143
BETTER MORTGAGE CORPORATION 5 3.90% $4,524
GUARANTEED RATE, INC. 5 4.84% $2,950
BNC National Bank 5 4.85% $4,505
Johnson Bank 4 4.57% $3,464
Lend Smart Mortgage, LLC 4 5.13% $3,097
FIRST COMMUNITY MORTGAGE, INC. 4 6.91% $4,822
LAKEVIEW LOAN SERVICING, LLC 4 5.17% $3,647
GUARANTEED RATE AFFINITY, LLC 4 4.31% $5,969
KELLER MORTGAGE, LLC 3 4.00% $3,172
MAYO EMPLOYEES FEDERAL CREDIT UNION 3 4.92% $5,482
First Federal Bank 3 5.00% $3,786
The Huntington National Bank 3 3.97% $3,216
Bank of America 3 4.38% $3,980
COMPEER FINANCIAL, FLCA 3 5.23% $3,149
CHURCHILL MORTGAGE CORPORATION 3 5.08% $3,490
WINGS FINANCIAL 3 4.00% $2,656
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 3 4.83% $2,901
Baxter Credit Union 3 4.08% $2,569
Mortgage Research Center, LLC 3 5.88% $4,472
THRIVENT Federal Credit Union 3 5.13% $3,081
AbbyBank 2 5.44% $2,965
AFFINITY PLUS 2 5.88% $4,205
A + MORTGAGE SERVICES, INC. 2 4.94% $1,725
Armed Forces Bank 2 5.31% $5,628
Bankers' Bank 2 4.88% $4,587
CHERRY CREEK MORTGAGE, LLC 2 6.25% $2,245
CMG MORTGAGE, INC. 2 6.25% $5,269
Coulee Bank 2 5.25% $4,827
FIRST CENTENNIAL MORTGAGE CORPORATION 2 5.19% $2,730
Goldwater Bank, N.A. 2 6.38% $7,619
GSF Mortgage Corporation 2 5.06% $3,731
Landmark Credit Union 2 4.06% $2,177
NAVY FEDERAL CREDIT UNION 2 6.25% $3,760
NEWREZ LLC 2 4.93% $2,943
Old National Bank 2 5.94% $2,123
PENNYMAC LOAN SERVICES, LLC 2 4.31% $6,490
Peoples State Bank 2 5.19% $2,218
PNC Bank 2 5.44% $4,294
Servion, Inc. 2 5.00% $6,716
Summit Credit Union 2 6.13% $2,983
Summit Mortgage Corporation 2 5.31% $5,173
The Park Bank 2 4.44% $2,904
GUARANTY HOME MORTGAGE CORPORATION 1 3.25% $4,293
FOX COMMUNITIES 1 2.88% $0
Firefighters Credit Union 1 6.25% $1,395
FBC MORTGAGE, LLC 1 4.24% $2,136
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 1 4.13% $3,789
EVERETT FINANCIAL, INC. 1 4.88% $1,255
MOVEMENT MORTGAGE, LLC 1 5.56% $5,199
ENDEAVOR CAPITAL, LLC. 1 7.50% $5,326
M&T Bank 1 3.25% $6,062
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.88% $11,896
National Bank of Commerce 1 7.13% $3,895
AmeriHome Mortgage Company, LLC 1 4.13% $3,820
NBKC BANK 1 5.75% $1,936
USAA Federal Savings Bank 1 5.25% $2,545
Deere Employees Credit Union 1 2.13% $1,993
North American Savings Bank, F.S.B. 1 4.25% $630
North Shore Bank FSB 1 4.13% $1,949
Amerifirst Financial, Inc. 1 6.13% $5,315
Origin Bank 1 3.13% $3,575
Waukesha State Bank 1 3.85% $3,794
PENTAGON FEDERAL CREDIT UNION 1 5.50% $1,629
AMERICAN INTERNET MORTGAGE, INC. 1 4.25% $2,827
AMERICAN FINANCING CORPORATION 1 3.63% $5,404
PREMIA MORTGAGE, LLC 1 5.38% $0
CoVantage Credit Union 1 5.38% $3,543
Community First Credit Union 1 3.99% $1,906
Colonial Savings, F.A. 1 5.38% $5,397
PyraMax Bank, FSB 1 5.75% $1,919
CLEARPATH LENDING 1 5.00% $4,250
Royal Bank 1 6.75% $2,749
Chicago Mortgage Solutions LLC 1 3.12% $1,145
ROYAL UNITED MORTGAGE LLC 1 7.63% $6,662
RUOFF MORTGAGE COMPANY, INC. 1 6.50% $755
Carrington Mortgage Services, LLC 1 3.88% $4,525
WESTMARK Credit Union 1 4.00% $4,268
Settlers Bank 1 4.50% $3,383
Sierra Pacific Mortgage Company, Inc. 1 5.50% $9,710
SPIRE Credit Union 1 3.63% $968
Ally Bank 1 2.88% $1,351
ALAMEDA MORTGAGE CORPORATION 1 6.88% $4,702
Sunflower Bank 1 6.88% $3,055
SUPERIOR CHOICE 1 5.38% $2,871
CANOPY MORTGAGE, LLC 1 2.75% $3,210
ZILLOW HOME LOANS, LLC 1 6.00% $5,831
Think Mutual Bank 1 4.38% $3,122
THOMPSON KANE & COMPANY, LLC 1 5.25% $2,562
CALCON MUTUAL MORTGAGE LLC 1 5.63% $3,539
Bethpage Federal Credit Union 1 5.25% $7,238
Bank of the West 1 3.25% $3,347
Bank of Sun Prairie 1 4.13% $2,958
IncredibleBank 1 4.63% $3,195
Hometown Lenders, Inc. 1 5.00% $4,145
IOWA BANKERS MORTGAGE CORPORATION 1 3.75% $2,484
Ixonia Bank 1 5.25% $6,579
HOMESTEAD FUNDING CORP. 1 3.00% $3,217
HOMESIDE FINANCIAL, LLC 1 5.50% $2,319
HOME POINT FINANCIAL CORPORATION 1 3.99% $2,260
Kohler Credit Union 1 5.00% $2,603
Home Federal Savings Bank 1 4.00% $643
GUILD MORTGAGE COMPANY 1 4.50% $6,166
Axos Bank 1 3.99% $3,423

EAU CLAIRE Average Closing Costs & Other Stats

EAU CLAIRE, WI's 145 lenders originated 4,918 loans during 2022. The total origination value was $1,060,170,000, with an average loan value of $215,569.

EAU CLAIRE's average closing costs are $3,070.

The top EAU CLAIRE lender as defined by loan originations is Royal Credit Union, with 613 loans originated. Their average total fees are $89, which is $2,558 lower than the next largest lender, WESTconsin Credit Union.

The lowest fee EAU CLAIRE lenders (with over 10 loans originated) are Royal Credit Union ($89), CO-OP Credit Union ($1,580), Security Financial Bank ($1,854), Citizens State Bank of La Crosse ($1,981) and Forward Bank ($2,079).

The lowest rate EAU CLAIRE lenders (with over 10 loans originated) are University of Wisconsin Credit Union (4.06%), WESTconsin Credit Union (4.06%), Prevail Bank (4.07%), Merchants Bank (4.10%) and CO-OP Credit Union (4.26%).

EAU CLAIRE, WI Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Royal Credit Union $454,655,000 $288,440,000 -36.6% 27.2%
WESTconsin Credit Union $67,800,000 $57,450,000 -15.3% 5.4%
Charter Bank $80,435,000 $47,875,000 -40.5% 4.5%
Citizens Community Federal $99,060,000 $43,175,000 -56.4% 4.1%
Northwestern Bank $46,415,000 $37,220,000 -19.8% 3.5%
QUICKEN LOANS, LLC $71,010,000 $32,110,000 -54.8% 3.0%
Merchants Bank $29,285,000 $29,715,000 1.5% 2.8%
U.S. Bank $69,760,000 $27,820,000 -60.1% 2.6%
Associated Bank $42,920,000 $22,895,000 -46.7% 2.2%
Citizens State Bank $34,000,000 $21,075,000 -38.0% 2.0%
Bremer Bank $33,000,000 $20,190,000 -38.8% 1.9%
Bank of Sun Prairie $5,485,000 $18,690,000 240.7% 1.8%
American Mortgage & Equity Consultants, Inc. $16,165,000 $15,150,000 -6.3% 1.4%
FINANCE OF AMERICA MORTGAGE LLC $19,435,000 $14,480,000 -25.5% 1.4%
Wells Fargo Bank $33,575,000 $14,465,000 -56.9% 1.4%
Mortgage Research Center, LLC $15,020,000 $14,185,000 -5.6% 1.3%
Security Financial Bank $30,830,000 $14,035,000 -54.5% 1.3%
Nicolet National Bank $755,000 $12,695,000 1,581.5% 1.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $10,665,000 $12,565,000 17.8% 1.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $18,570,000 $12,210,000 -34.2% 1.2%
Frandsen Bank & Trust $10,845,000 $11,770,000 8.5% 1.1%
DMB Community Bank $3,045,000 $10,805,000 254.8% 1.0%
Prevail Bank $26,405,000 $10,390,000 -60.7% 1.0%
MARINE $10,250,000 $10,180,000 -0.7% 1.0%
CROSSCOUNTRY MORTGAGE, LLC $10,140,000 $9,700,000 -4.3% 0.9%
Security Bank $19,390,000 $9,635,000 -50.3% 0.9%
BMO Harris Bank $5,925,000 $8,470,000 43.0% 0.8%
National Exchange Bank and Trust $155,000 $8,295,000 5,251.6% 0.8%
CO-OP Credit Union $10,635,000 $8,090,000 -23.9% 0.8%
LAND HOME FINANCIAL SERVICES, INC. $1,375,000 $7,515,000 446.5% 0.7%
State Bank Financial $7,495,000 n/a 0.7%
LOANDEPOT.COM, LLC $12,100,000 $7,310,000 -39.6% 0.7%
First National Community Bank $6,355,000 $6,855,000 7.9% 0.6%
Prosperity Home Mortgage, LLC $7,935,000 $6,630,000 -16.4% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $7,395,000 $6,450,000 -12.8% 0.6%
WNB Financial, N.A. $12,400,000 $5,670,000 -54.3% 0.5%
Forward Bank $7,265,000 $5,350,000 -26.4% 0.5%
FREEDOM MORTGAGE CORPORATION $14,880,000 $5,125,000 -65.6% 0.5%
Citizens State Bank of La Crosse $12,775,000 $4,480,000 -64.9% 0.4%
COMPEER FINANCIAL, FLCA $9,005,000 $4,470,000 -50.4% 0.4%
University of Wisconsin Credit Union $4,520,000 $4,325,000 -4.3% 0.4%
MAYO EMPLOYEES FEDERAL CREDIT UNION $2,335,000 $4,200,000 79.9% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $6,835,000 $3,780,000 -44.7% 0.4%
PENNYMAC LOAN SERVICES, LLC $7,495,000 $3,615,000 -51.8% 0.3%
USAA Federal Savings Bank $5,115,000 $3,595,000 -29.7% 0.3%
Dairy State Bank $5,255,000 $3,445,000 -34.4% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,525,000 $3,405,000 -38.4% 0.3%
Barrington Bank & Trust Company, N.A. $6,190,000 $3,325,000 -46.3% 0.3%
NAVY FEDERAL CREDIT UNION $6,075,000 $3,195,000 -47.4% 0.3%
JPMorgan Chase Bank $5,200,000 $3,160,000 -39.2% 0.3%
UNION HOME MORTGAGE CORP. $2,550,000 $3,015,000 18.2% 0.3%
AMERISAVE MORTGAGE CORPORATION $5,925,000 $2,740,000 -53.8% 0.3%
Bell Bank $2,395,000 $2,610,000 9.0% 0.2%
GUARANTEED RATE, INC. $2,705,000 $2,575,000 -4.8% 0.2%
Flagstar Bank, FSB $5,865,000 $2,485,000 -57.6% 0.2%
Unity Bank $1,765,000 $2,345,000 32.9% 0.2%
BROKER SOLUTIONS, INC. $3,295,000 $2,305,000 -30.0% 0.2%
Bank of America $1,945,000 $2,160,000 11.1% 0.2%
Tradition Mortgage, LLC $1,665,000 $1,965,000 18.0% 0.2%
BNC National Bank $275,000 $1,930,000 601.8% 0.2%
Bank Five Nine $3,410,000 $1,885,000 -44.7% 0.2%
BETTER MORTGAGE CORPORATION $7,335,000 $1,865,000 -74.6% 0.2%
Johnson Bank $11,245,000 $1,855,000 -83.5% 0.2%
GUARANTEED RATE AFFINITY, LLC $1,655,000 n/a 0.2%
ALTRA $1,905,000 $1,630,000 -14.4% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $1,590,000 n/a 0.1%
Summit Credit Union $2,055,000 $1,575,000 -23.4% 0.1%
PNC Bank $270,000 $1,570,000 481.5% 0.1%
The Huntington National Bank $1,470,000 $1,560,000 6.1% 0.1%
Hiawatha National Bank $185,000 $1,540,000 732.4% 0.1%
Summit Mortgage Corporation $355,000 $1,460,000 311.3% 0.1%
KELLER MORTGAGE, LLC $1,780,000 $1,405,000 -21.1% 0.1%
Lend Smart Mortgage, LLC $1,600,000 $1,405,000 -12.2% 0.1%
The Federal Savings Bank $1,130,000 $1,360,000 20.4% 0.1%
First Federal Bank $1,630,000 $1,320,000 -19.0% 0.1%
INLANTA MORTGAGE, INC. $4,255,000 $1,320,000 -69.0% 0.1%
Bluff View Bank $1,000,000 $1,305,000 30.5% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,230,000 $1,245,000 1.2% 0.1%
WINGS FINANCIAL $565,000 $1,170,000 107.1% 0.1%
Servion, Inc. $2,640,000 $1,165,000 -55.9% 0.1%
Carrington Mortgage Services, LLC $1,315,000 $1,140,000 -13.3% 0.1%
CHERRY CREEK MORTGAGE, LLC $2,225,000 $1,115,000 -49.9% 0.1%
Coulee Bank $1,100,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $3,455,000 $1,015,000 -70.6% 0.1%
AMERICAN FINANCING CORPORATION $1,565,000 $955,000 -39.0% 0.1%
Grandbridge Real Estate Capital LLC $955,000 n/a 0.1%
CMG MORTGAGE, INC. $1,315,000 $940,000 -28.5% 0.1%
EVERETT FINANCIAL, INC. $475,000 $915,000 92.6% 0.1%
Bankers' Bank $11,825,000 $860,000 -92.7% 0.1%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $1,400,000 $820,000 -41.4% 0.1%
GSF Mortgage Corporation $1,615,000 $790,000 -51.1% 0.1%
Old National Bank $1,715,000 $790,000 -53.9% 0.1%
NEW DAY FINANCIAL, LLC $2,795,000 $760,000 -72.8% 0.1%
ALAMEDA MORTGAGE CORPORATION $725,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,590,000 $725,000 -54.4% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,045,000 $715,000 -65.0% 0.1%
CALIBER HOME LOANS, INC. $3,485,000 $705,000 -79.8% 0.1%
Settlers Bank $705,000 n/a 0.1%
Waterstone Mortgage Corporation $1,365,000 $700,000 -48.7% 0.1%
Schaumburg Bank & Trust $675,000 n/a 0.1%
Citizens Bank $410,000 $655,000 59.8% 0.1%
ENDEAVOR CAPITAL, LLC. $655,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $305,000 $655,000 114.8% 0.1%
CRESCENT MORTGAGE COMPANY $2,015,000 $635,000 -68.5% 0.1%
Peoples State Bank of Plainview $1,275,000 $625,000 -51.0% 0.1%
A + MORTGAGE SERVICES, INC. $155,000 $620,000 300.0% 0.1%
HOMESIDE FINANCIAL, LLC $260,000 $610,000 134.6% 0.1%
NEWREZ LLC $2,390,000 $610,000 -74.5% 0.1%
Baxter Credit Union $450,000 $605,000 34.4% 0.1%
AbbyBank $2,875,000 $600,000 -79.1% 0.1%
THRIVENT Federal Credit Union $600,000 n/a 0.1%
Farmers Savings Bank $585,000 n/a 0.1%
Figure Lending LLC $135,000 $585,000 333.3% 0.1%
AMERICAN ADVISORS GROUP $350,000 $580,000 65.7% 0.1%
HOME POINT FINANCIAL CORPORATION $815,000 $555,000 -31.9% 0.1%
Armed Forces Bank $550,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,745,000 $545,000 -68.8% 0.1%
Ally Bank $495,000 $540,000 9.1% 0.1%
CoVantage Credit Union $505,000 $535,000 5.9% 0.1%
AFFINITY PLUS $720,000 $530,000 -26.4% 0.0%
St Charles Bank & Trust $525,000 n/a 0.0%
The Park Bank $265,000 $500,000 88.7% 0.0%
LEADERONE FINANCIAL CORPORATION $2,205,000 $495,000 -77.6% 0.0%
VILLAGE CAPITAL MORTGAGE $465,000 $495,000 6.5% 0.0%
RUOFF MORTGAGE COMPANY, INC. $260,000 $480,000 84.6% 0.0%
TRIAD FINANCIAL SERVICES, INC. $545,000 $475,000 -12.8% 0.0%
CANOPY MORTGAGE, LLC $455,000 n/a 0.0%
Landmark Credit Union $795,000 $435,000 -45.3% 0.0%
AgCountry Farm Credit Services, FLCA $935,000 $415,000 -55.6% 0.0%
CLEARPATH LENDING $1,005,000 $400,000 -60.2% 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $635,000 $390,000 -38.6% 0.0%
Goldwater Bank, N.A. $265,000 $390,000 47.2% 0.0%
Think Mutual Bank $590,000 $390,000 -33.9% 0.0%
MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $385,000 n/a 0.0%
Bank of England $605,000 $380,000 -37.2% 0.0%
ENVOY MORTGAGE, LTD $420,000 $375,000 -10.7% 0.0%
Firefighters Credit Union $365,000 n/a 0.0%
IOWA BANKERS MORTGAGE CORPORATION $365,000 n/a 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $355,000 n/a 0.0%
Home Federal Savings Bank $1,620,000 $355,000 -78.1% 0.0%
Deere Employees Credit Union $525,000 $350,000 -33.3% 0.0%
M&T Bank $185,000 $350,000 89.2% 0.0%
TOTAL MORTGAGE SERVICES, LLC $290,000 $345,000 19.0% 0.0%
Peoples State Bank $340,000 n/a 0.0%
BAY EQUITY LLC $375,000 $335,000 -10.7% 0.0%
CALCON MUTUAL MORTGAGE LLC $335,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $2,845,000 $335,000 -88.2% 0.0%
Colonial Savings, F.A. $280,000 $325,000 16.1% 0.0%
MORIA DEVELOPMENT, INC. $215,000 $325,000 51.2% 0.0%
THOMPSON KANE & COMPANY, LLC $165,000 $325,000 97.0% 0.0%
North American Savings Bank, F.S.B. $820,000 $315,000 -61.6% 0.0%
PENTAGON FEDERAL CREDIT UNION $395,000 $315,000 -20.3% 0.0%
Hometown Lenders, Inc. $685,000 $310,000 -54.7% 0.0%
Bank First, N.A. $680,000 $305,000 -55.1% 0.0%
Sierra Pacific Mortgage Company, Inc. $420,000 $305,000 -27.4% 0.0%
SPIRE Credit Union $55,000 $300,000 445.5% 0.0%
AXIA FINANCIAL, LLC $155,000 $295,000 90.3% 0.0%
FLAT BRANCH MORTGAGE, INC. $285,000 n/a 0.0%
Libertyville Bank & Trust $285,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $650,000 $285,000 -56.2% 0.0%
Minnwest Bank $1,575,000 $280,000 -82.2% 0.0%
Low VA Rates, LLC $975,000 $275,000 -71.8% 0.0%
Amerifirst Financial, Inc. $265,000 n/a 0.0%
Axos Bank $265,000 n/a 0.0%
CITY-COUNTY CREDIT UNION $265,000 n/a 0.0%
RESIDENTIAL BANCORP. $890,000 $265,000 -70.2% 0.0%
FOX COMMUNITIES $75,000 $260,000 246.7% 0.0%
FirstBank $740,000 $255,000 -65.5% 0.0%
First Interstate Bank $255,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $105,000 $255,000 142.9% 0.0%
Waukesha State Bank $270,000 $255,000 -5.6% 0.0%
21ST MORTGAGE CORPORATION $145,000 $250,000 72.4% 0.0%
PLAZA HOME MORTGAGE, INC. $320,000 $245,000 -23.4% 0.0%
Royal Bank $115,000 $245,000 113.0% 0.0%
TOWNE MORTGAGE COMPANY $690,000 $245,000 -64.5% 0.0%
WESTMARK Credit Union $245,000 n/a 0.0%
National Bank of Commerce $235,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,305,000 $225,000 -82.8% 0.0%
GUILD MORTGAGE COMPANY $135,000 $225,000 66.7% 0.0%
Lake Elmo Bank $135,000 $225,000 66.7% 0.0%
Nations Lending Corporation $445,000 $225,000 -49.4% 0.0%
River Bank $13,620,000 $225,000 -98.3% 0.0%
MOVEMENT MORTGAGE, LLC $215,000 n/a 0.0%
Chicago Mortgage Solutions LLC $265,000 $210,000 -20.8% 0.0%
Indianhead Credit Union $205,000 n/a 0.0%
NBKC BANK $205,000 n/a 0.0%
Blackhawk Community Credit Union $200,000 n/a 0.0%
SUPERIOR CHOICE $1,070,000 $200,000 -81.3% 0.0%
BELEM SERVICING LLC $735,000 $195,000 -73.5% 0.0%
First Internet Bank of Indiana $195,000 n/a 0.0%
IncredibleBank $155,000 $185,000 19.4% 0.0%
Ixonia Bank $1,295,000 $185,000 -85.7% 0.0%
LOANPAL, LLC $185,000 n/a 0.0%
Citibank $525,000 $175,000 -66.7% 0.0%
Park City Credit Union $175,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $165,000 n/a 0.0%
Centier Bank $65,000 $165,000 153.8% 0.0%
Mid-Continent Funding, Inc. $165,000 n/a 0.0%
1st Community Credit Union $155,000 n/a 0.0%
Bank of the West $155,000 n/a 0.0%
DAS Acquisition Company, LLC $940,000 $155,000 -83.5% 0.0%
First State Bank and Trust $320,000 $155,000 -51.6% 0.0%
HIWAY $710,000 $155,000 -78.2% 0.0%
PREMIA MORTGAGE, LLC $155,000 n/a 0.0%
GOVERNMENTAL EMPLOYEES $150,000 n/a 0.0%
Community Mortgage Banc Corporation $145,000 n/a 0.0%
Kohler Credit Union $145,000 n/a 0.0%
North Shore Bank FSB $155,000 $145,000 -6.5% 0.0%
Origin Bank $145,000 n/a 0.0%
PyraMax Bank, FSB $95,000 $135,000 42.1% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $125,000 $125,000 0.0% 0.0%
Bethpage Federal Credit Union $125,000 n/a 0.0%
COMPASS MORTGAGE, INC. $125,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $115,000 $125,000 8.7% 0.0%
Northview Bank $125,000 n/a 0.0%
Sunflower Bank $125,000 n/a 0.0%
COLORADO CREDIT UNION $115,000 n/a 0.0%
Community First Credit Union $165,000 $115,000 -30.3% 0.0%
Discover Bank $235,000 $110,000 -53.2% 0.0%
NUMARK CREDIT UNION $110,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $570,000 $105,000 -81.6% 0.0%
Citizens State Bank of Loyal $800,000 $95,000 -88.1% 0.0%
FBC MORTGAGE, LLC $95,000 n/a 0.0%
THE MONEY SOURCE INC. $95,000 n/a 0.0%
First Guaranty Mortgage Corporation $555,000 $85,000 -84.7% 0.0%
Plains Commerce Bank $5,125,000 $85,000 -98.3% 0.0%
GREENSTATE CREDIT UNION $70,000 n/a 0.0%
DUPACO COMMUNITY $235,000 $65,000 -72.3% 0.0%
SPRING EQ, LLC $95,000 $55,000 -42.1% 0.0%
Great Midwest Bank, S.S.B. $175,000 $35,000 -80.0% 0.0%
Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

EAU CLAIRE's top lender by overall market share is Royal Credit Union, with 27.2% market share. In second place, with 5.4%, is WESTconsin Credit Union, having originated $57,450,000 in loans. In third place, with 4.5%, is Charter Bank, having originated $47,875,000 in loans. In fourth place, with 4.1%, is Citizens Community Federal, having originated $43,175,000 in loans. In fifth place, with 3.5%, is Northwestern Bank, having originated $37,220,000 in loans.


EAU CLAIRE Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - EAU CLAIRE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $234,175 (6.5%) $285,485 (3.0%) 0.87 298
2018-02-01 $246,400 (4.9%) $295,329 (0.1%) 0.89 307
2018-03-01 $248,900 (2.4%) $288,016 (-4.2%) 0.87 358
2018-04-01 $244,900 (2.1%) $285,823 (-7.6%) 0.83 363
2018-05-01 $249,900 (0.0%) $289,666 (-8.2%) 0.83 381
2018-06-01 $258,900 (3.8%) $302,409 (-2.2%) 0.86 378
2018-07-01 $252,400 (1.0%) $297,157 (-4.1%) 0.84 432
2018-08-01 $249,900 (2.0%) $292,739 (-3.1%) 0.84 483
2018-09-01 $239,900 (2.1%) $289,875 (-2.6%) 0.81 474
2018-10-01 $232,688 (1.3%) $283,338 (-4.3%) 0.79 481
2018-11-01 $230,194 (2.1%) $283,529 (-3.2%) 0.78 443
2018-12-01 $234,900 (3.3%) $286,277 (5.1%) 0.81 359
2019-01-01 $239,650 (2.3%) $290,113 (1.6%) 0.83 334
2019-02-01 $253,050 (2.7%) $307,584 (4.2%) 0.85 322
2019-03-01 $259,086 (4.1%) $324,863 (12.8%) 0.85 315
2019-04-01 $258,836 (5.7%) $319,576 (11.8%) 0.82 330
2019-05-01 $249,900 (0.0%) $311,097 (7.4%) 0.78 348
2019-06-01 $249,900 (-3.5%) $302,368 (0.0%) 0.78 390
2019-07-01 $243,950 (-3.4%) $303,098 (2.0%) 0.76 407
2019-08-01 $242,245 (-3.1%) $305,880 (4.5%) 0.77 412
2019-09-01 $238,114 (-0.7%) $303,516 (4.7%) 0.76 422
2019-10-01 $234,900 (1.0%) $299,117 (5.6%) 0.76 443
2019-11-01 $229,900 (-0.1%) $299,206 (5.5%) 0.75 433
2019-12-01 $225,675 (-3.9%) $303,351 (6.0%) 0.75 375
2020-01-01 $229,900 (-4.1%) $307,970 (6.2%) 0.77 306
2020-02-01 $259,900 (2.7%) $329,594 (7.2%) 0.85 282
2020-03-01 $261,463 (0.9%) $331,988 (2.2%) 0.82 304
2020-04-01 $262,519 (1.4%) $323,208 (1.1%) 0.82 335
2020-05-01 $270,400 (8.2%) $326,960 (5.1%) 0.82 325
2020-06-01 $278,850 (11.6%) $344,062 (13.8%) 0.82 304
2020-07-01 $286,350 (17.4%) $352,899 (16.4%) 0.83 269
2020-08-01 $274,900 (13.5%) $339,177 (10.9%) 0.79 264
2020-09-01 $262,500 (10.2%) $323,279 (6.5%) 0.75 282
2020-10-01 $255,000 (8.6%) $313,304 (4.7%) 0.73 238
2020-11-01 $249,450 (8.5%) $300,119 (0.3%) 0.73 242
2020-12-01 $249,900 (10.7%) $303,196 (-0.1%) 0.74 209
2021-01-01 $259,400 (12.8%) $335,312 (8.9%) 0.77 140
2021-02-01 $272,050 (4.7%) $352,700 (7.0%) 0.79 136
2021-03-01 $266,150 (1.8%) $380,747 (14.7%) 0.76 121
2021-04-01 $272,400 (3.8%) $381,430 (18.0%) 0.74 127
2021-05-01 $274,950 (1.7%) $349,948 (7.0%) 0.73 156
2021-06-01 $284,900 (2.2%) $349,821 (1.7%) 0.75 178
2021-07-01 $287,450 (0.4%) $348,141 (-1.4%) 0.76 206
2021-08-01 $299,900 (9.1%) $347,883 (2.6%) 0.80 222
2021-09-01 $299,925 (14.3%) $355,587 (10.0%) 0.80 256
2021-10-01 $279,900 (9.8%) $337,645 (7.8%) 0.75 247
2021-11-01 $282,450 (13.2%) $359,647 (19.8%) 0.75 216
2021-12-01 $298,175 (19.3%) $360,246 (18.8%) 0.81 186
2022-01-01 $289,900 (11.8%) $349,399 (4.2%) 0.78 139
2022-02-01 $312,325 (14.8%) $370,575 (5.1%) 0.81 116
2022-03-01 $326,900 (22.8%) $400,242 (5.1%) 0.82 118
2022-04-01 $319,900 (17.4%) $379,819 (-0.4%) 0.76 134
2022-05-01 $333,450 (21.3%) $394,776 (12.8%) 0.76 171
2022-06-01 $356,000 (25.0%) $407,222 (16.4%) 0.79 201
2022-07-01 $347,950 (21.1%) $393,908 (13.2%) 0.78 256
2022-08-01 $364,925 (21.7%) $413,452 (18.9%) 0.84 246
2022-09-01 $369,900 (23.3%) $417,447 (17.4%) 0.86 226
2022-10-01 $372,400 (33.1%) $424,514 (25.7%) 0.88 222
2022-11-01 $357,450 (26.6%) $406,479 (13.0%) 0.86 223
2022-12-01 $359,900 (20.7%) $406,062 (12.7%) 0.89 190
2023-01-01 $359,450 (24.0%) $409,840 (17.3%) 0.89 159
2023-02-01 $332,475 (6.5%) $407,618 (10.0%) 0.80 140
EAU CLAIRE's median listing price for 2023-02-01 was $332,475, a difference of $20,150 (6.5%) versus the prior year and $-26,975 versus the prior month.

EAU CLAIRE's median listing price comes in at 80% of the national average.

EAU CLAIRE's average listing price for 2023-02-01 was $407,618, a difference of $37,043 (10.0%) versus the prior year and $-2,222 versus the prior month.

For the 2023-02-01 period, EAU CLAIRE had 140 MLS listings, a difference of -19 listings (-12%) versus the prior month and 24 listings (21%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - EAU CLAIRE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 128 days 2,015 sqft
2018-02-01 112 days 1,965 sqft
2018-03-01 46 days 2,018 sqft
2018-04-01 48 days 2,067 sqft
2018-05-01 57 days 2,029 sqft
2018-06-01 57 days 2,027 sqft
2018-07-01 52 days 2,052 sqft
2018-08-01 52 days 2,036 sqft
2018-09-01 60 days 1,975 sqft
2018-10-01 66 days 1,977 sqft
2018-11-01 73 days 1,876 sqft
2018-12-01 94 days 1,836 sqft
2019-01-01 101 days 1,781 sqft
2019-02-01 96 days 1,941 sqft
2019-03-01 81 days 1,999 sqft
2019-04-01 62 days 1,977 sqft
2019-05-01 47 days 1,830 sqft
2019-06-01 42 days 1,904 sqft
2019-07-01 52 days 1,880 sqft
2019-08-01 59 days 1,816 sqft
2019-09-01 61 days 1,784 sqft
2019-10-01 62 days 1,762 sqft
2019-11-01 66 days 1,745 sqft
2019-12-01 83 days 1,716 sqft
2020-01-01 95 days 1,722 sqft
2020-02-01 103 days 1,796 sqft
2020-03-01 60 days 1,905 sqft
2020-04-01 54 days 1,900 sqft
2020-05-01 53 days 1,965 sqft
2020-06-01 62 days 2,059 sqft
2020-07-01 69 days 2,002 sqft
2020-08-01 51 days 2,034 sqft
2020-09-01 38 days 1,925 sqft
2020-10-01 45 days 1,891 sqft
2020-11-01 50 days 1,785 sqft
2020-12-01 67 days 1,785 sqft
2021-01-01 79 days 1,800 sqft
2021-02-01 63 days 1,854 sqft
2021-03-01 35 days 1,800 sqft
2021-04-01 28 days 1,803 sqft
2021-05-01 21 days 1,668 sqft
2021-06-01 30 days 1,679 sqft
2021-07-01 30 days 1,707 sqft
2021-08-01 34 days 1,909 sqft
2021-09-01 40 days 1,849 sqft
2021-10-01 45 days 1,685 sqft
2021-11-01 59 days 1,692 sqft
2021-12-01 59 days 1,735 sqft
2022-01-01 66 days 1,628 sqft
2022-02-01 65 days 1,672 sqft
2022-03-01 40 days 1,732 sqft
2022-04-01 24 days 1,825 sqft
2022-05-01 23 days 2,047 sqft
2022-06-01 28 days 2,084 sqft
2022-07-01 31 days 1,952 sqft
2022-08-01 43 days 2,136 sqft
2022-09-01 53 days 2,098 sqft
2022-10-01 50 days 2,047 sqft
2022-11-01 49 days 1,994 sqft
2022-12-01 70 days 2,000 sqft
2023-01-01 79 days 1,970 sqft
2023-02-01 79 days 1,834 sqft
EAU CLAIRE's median listing age (time on market) for 2023-02-01 was 79 days. This is 22% longer than the same period one year ago.

EAU CLAIRE's median square footage for active listings during the 2023-02-01 period was 1,834 sqft. One year prior, the average listing was 1,672 sqft.

EAU CLAIRE, WI Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
54433 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54701 Eau Claire, WI $560 $640 $840 $1,140 $1,300
54702 Eau Claire, WI $560 $640 $840 $1,140 $1,300
54703 Eau Claire, WI $580 $660 $870 $1,180 $1,350
54720 Eau Claire, WI $560 $630 $830 $1,120 $1,290
54722 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54724 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54726 Eau Claire, WI $540 $610 $800 $1,080 $1,240
54727 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54729 Eau Claire, WI $560 $640 $840 $1,140 $1,300
54730 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54732 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54738 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54739 Eau Claire, WI $600 $690 $900 $1,220 $1,390
54741 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54742 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54745 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54748 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54755 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54757 Eau Claire, WI $540 $610 $800 $1,080 $1,240
54758 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54766 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54768 Eau Claire, WI $520 $600 $790 $1,070 $1,220
54770 Eau Claire, WI $520 $600 $790 $1,070 $1,220

2022 Average & Median Rent Data Statistics
EAU CLAIRE, WI average 1BR rent: $613, median: $600
EAU CLAIRE, WI average 2BR rent: $807, median: $790
EAU CLAIRE, WI average 3BR rent: $1,093, median: $1,070

EAU CLAIRE, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,354 $673,890,000 $286,274
Cash Out Refi 788 $165,730,000 $210,317
Other 706 $78,190,000 $110,751
Home Improvement 551 $47,065,000 $85,417
Refi 519 $95,295,000 $183,613

Eau Claire's most frequently cited loan purpose was Home Purchase, with 2,354 originations. The 2nd most popular reason was Cash Out Refi, with 788 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 1,231 $232,245,000 $188,664
3-4% 1,162 $247,600,000 $213,081
4-5% 1,019 $242,725,000 $238,199
6-7% 432 $71,940,000 $166,528
2.5-3% 320 $82,740,000 $258,563
7-8% 132 $17,360,000 $131,515
Over 8% 93 $7,105,000 $76,398
<2.5% 88 $14,010,000 $159,205

During 2022, Eau Claire's most frequently originated rate bucket was 5-6%, with 1,231 originations.

Loan Sizing (EAU CLAIRE, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,642 $242,750,000 $147,838
$200k-400k 1,544 $416,750,000 $269,916
$100,000 or less 1,390 $74,970,000 $53,935
$400k-600k 221 $105,595,000 $477,805
$600k-1000k 77 $53,835,000 $699,156
$Over $1MM 44 $166,270,000 $3,778,864

EAU CLAIRE's loan sizing saw the bucket of loans from $100k-200k with 1,642 originations, totaling $242,750,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,418 $381,600,000 $269,111
60-80% 1,185 $342,445,000 $288,983
Under 20% 705 $31,105,000 $44,121
20-40% 594 $62,560,000 $105,320
40-60% 513 $84,135,000 $164,006
Over 100% 31 $10,615,000 $342,419

EAU CLAIRE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,418 originations, totaling $381,600,000 in origination value.