EAU CLAIRE Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Eau Claire averaged 6.66% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.88% and one month ago for the week of 2025-01-09, the average rate was 6.82%.

    Eau Claire's average rate one year ago was 6.43%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.17%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Eau Claire 30 Year Fixed Rate 2025-02-13 6.66%
    Eau Claire 30 Year Fixed Rate Refi 2025-02-13 7.17%
    Eau Claire 15 Year Fixed Rate 2025-02-13 5.89%
    Eau Claire 15 Year Fixed Rate Refi 2025-02-13 6.69%
    Eau Claire 30 Year FHA 2025-02-13 6.44%
    Eau Claire 30 Year FHA Refi 2025-02-13 6.72%
    Eau Claire 30 Year USDA 2025-02-13 6.53%
    Eau Claire 30 Year USDA Refi 2025-02-13 6.53%
    Eau Claire 30 Year VA 2025-02-13 6.47%
    Eau Claire 30 Year VA Refi 2025-02-13 6.43%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Royal Credit Union 416 6.59% $195
    WESTconsin Credit Union 66 6.58% $3,296
    Citizens Community Federal 52 6.44% $4,015
    U.S. Bank 49 6.68% $3,886
    QUICKEN LOANS, LLC 36 6.93% $5,404
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 35 7.00% $3,837
    Associated Bank 30 6.61% $2,143
    Nicolet National Bank 30 7.00% $3,339
    Security Financial Bank 28 6.46% $2,242
    CROSSCOUNTRY MORTGAGE, LLC 24 6.87% $4,876
    CO-OP Credit Union 21 6.21% $1,778
    UNITED WHOLESALE MORTGAGE, LLC 21 6.83% $7,499
    Prevail Bank 19 6.42% $2,724
    Wells Fargo Bank 16 6.70% $4,263
    Prosperity Home Mortgage, LLC 13 6.62% $4,984
    FIRST COMMUNITY MORTGAGE, INC. 13 7.08% $5,977
    UNION HOME MORTGAGE CORP. 12 7.23% $6,021
    Florida Capital Bank 11 7.32% $4,877
    Frandsen Bank & Trust 10 6.97% $5,255
    PENNYMAC LOAN SERVICES, LLC 10 6.65% $5,611
    Forward Bank 10 6.88% $2,112
    MARINE 10 8.70% $5,335
    Bremer Bank 10 6.35% $4,236
    Home Federal Savings Bank 9 6.53% $4,299
    American Mortgage & Equity Consultants, Inc. 9 6.65% $5,500
    GUARANTEED RATE, INC. 8 7.12% $4,593
    GUILD MORTGAGE COMPANY 8 7.09% $4,978
    Barrington Bank & Trust Company, N.A. 7 6.52% $4,147
    SUPERIOR CHOICE 7 6.10% $3,908
    GSF Mortgage Corporation 7 6.25% $6,835
    COMPEER FINANCIAL, FLCA 7 7.60% $2,976
    Johnson Bank 7 5.98% $2,067
    First Federal Bank 6 6.44% $4,201
    WNB Financial, N.A. 6 7.03% $5,092
    Bell Bank 5 6.47% $8,806
    BMO Harris Bank 5 7.03% $4,321
    LOANDEPOT.COM, LLC 5 6.32% $13,615
    Merchants Bank 4 6.56% $2,999
    JPMorgan Chase Bank 4 6.90% $5,587
    LAKE MICHIGAN CREDIT UNION 4 5.72% $4,299
    University of Wisconsin Credit Union 4 6.84% $3,063
    The Huntington National Bank 4 6.75% $4,485
    Summit Credit Union 4 6.06% $3,341
    CARDINAL FINANCIAL 4 6.72% $6,274
    Citizens State Bank of La Crosse 4 6.94% $2,387
    Mr. Cooper ( Nationstar Mortgage ) 3 6.92% $7,187
    PNC Bank 3 6.63% $2,404
    CoVantage Credit Union 3 6.88% $3,441
    Servion, Inc. 3 7.38% $3,883
    GUARANTEED RATE AFFINITY, LLC 3 6.77% $5,965
    Stifel Bank and Trust 3 5.54% $2,499
    AMERICAN FINANCIAL NETWORK, INC. 3 7.58% $5,730
    LAND HOME FINANCIAL SERVICES, INC. 3 6.63% $9,959
    MAYO EMPLOYEES FEDERAL CREDIT UNION 3 6.25% $6,035
    Baxter Credit Union 2 6.38% $3,554
    Ally Bank 2 7.13% $5,645
    ALTRA 2 6.78% $2,474
    Bank Five Nine 2 6.31% $4,535
    COMPASS MORTGAGE, INC. 2 6.69% $3,214
    DUPACO COMMUNITY 2 6.81% $3,732
    FREEDOM MORTGAGE CORPORATION 2 7.44% $3,990
    MEGASTAR FINANCIAL CORP. 2 6.69% $5,878
    NAVY FEDERAL CREDIT UNION 2 6.19% $5,337
    Paramount Residential Mortgage Group, Inc. 2 7.44% $7,828
    Peoples State Bank 2 6.94% $2,113
    SPIRE Credit Union 2 5.19% $5,437
    Summit Mortgage Corporation 2 7.31% $4,402
    THOMPSON KANE & COMPANY, LLC 2 7.06% $4,073
    Tradition Mortgage, LLC 2 6.25% $2,863
    V.I.P. MORTGAGE, INC. 2 6.75% $13,544
    Mortgage Research Center, LLC 1 6.63% $4,957
    First Bank & Trust 1 6.38% $7,655
    National Exchange Bank and Trust 1 6.25% $1,635
    Nations Lending Corporation 1 7.38% $8,563
    NATIONS RELIABLE LENDING, LLC 1 7.25% $6,088
    VERVE, A CREDIT UNION 1 6.75% $2,495
    NEWREZ LLC 1 6.49% $4,427
    EVERETT FINANCIAL, INC. 1 6.75% $11,642
    Old National Bank 1 6.75% $3,916
    ZILLOW HOME LOANS, LLC 1 7.25% $6,994
    ENVOY MORTGAGE, LTD 1 6.25% $7,508
    Waterstone Mortgage Corporation 1 7.13% $4,178
    ENDEAVOR CAPITAL, LLC. 1 6.63% $3,789
    PREMIA MORTGAGE, LLC 1 5.88% $769
    EMBRACE HOME LOANS, INC. 1 7.38% $3,948
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $5,648
    PROSPERA Credit Union 1 6.88% $1,882
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.50% $6,150
    Coulee Bank 1 5.63% $3,575
    Regions Bank 1 6.25% $2,552
    Connexus Credit Union 1 6.50% $2,160
    CHURCHILL MORTGAGE CORPORATION 1 6.50% $2,418
    CAPITAL Credit Union 1 5.75% $1,880
    Settlers Bank 1 6.00% $6,138
    A + MORTGAGE SERVICES, INC. 1 8.13% $2,135
    State Bank of Cross Plains 1 5.75% $2,903
    Blackhawk Community Credit Union 1 6.13% $2,087
    Blackhawk Bank 1 7.00% $6,839
    SUMMIT FUNDING, INC. 1 6.99% $10,751
    AMERISAVE MORTGAGE CORPORATION 1 7.38% $6,150
    BAY EQUITY LLC 1 6.63% $2,980
    SWBC MORTGAGE CORPORATION 1 7.00% $4,087
    The First National Bank and Trust Company 1 6.38% $2,044
    AbbyBank 1 7.50% $1,869
    Think Mutual Bank 1 5.63% $5,994
    WINGS FINANCIAL 1 5.75% $2,450
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $3,954
    Bank of America 1 7.50% $2,636
    Bank First, N.A. 1 5.75% $2,126
    Bankers' Bank 1 7.13% $4,233
    USAA Federal Savings Bank 1 5.50% $14,579
    Lend Smart Mortgage, LLC 1 5.63% $10,516
    LIBERTY HOME MORTGAGE CORPORATION 1 6.50% $6,331
    KINECTA 1 6.88% $5,219
    Ixonia Bank 1 6.13% $4,648
    IDEAL 1 5.88% $2,934
    Arvest Bank 1 6.25% $5,717
    HOMESIDE FINANCIAL, LLC 1 7.25% $2,674
    Minnwest Bank 1 6.38% $3,818
    MORTGAGE ACCESS CORP. 1 7.38% $7,328

    EAU CLAIRE Average Closing Costs & Other Stats

    EAU CLAIRE, WI's 120 lenders originated 3,427 loans during 2023. The total origination value was $801,515,000, with an average loan value of $233,882.

    EAU CLAIRE's average closing costs are $3,149.

    The top EAU CLAIRE lender as defined by loan originations is Royal Credit Union, with 416 loans originated. Their average total fees are $195, which is $3,101 lower than the next largest lender, WESTconsin Credit Union.

    The lowest fee EAU CLAIRE lenders (with over 10 loans originated) are Royal Credit Union ($195), CO-OP Credit Union ($1,778), Forward Bank ($2,112), Associated Bank ($2,143) and Security Financial Bank ($2,242).

    The lowest rate EAU CLAIRE lenders (with over 10 loans originated) are CO-OP Credit Union (6.21%), Bremer Bank (6.35%), Prevail Bank (6.42%), Citizens Community Federal (6.44%) and Security Financial Bank (6.46%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Royal Credit Union $288,440,000 $221,700,000 -23.1% 27.7%
    State Bank of Cross Plains $40,750,000 n/a 5.1%
    WESTconsin Credit Union $57,450,000 $40,495,000 -29.5% 5.1%
    Nicolet National Bank $12,695,000 $32,565,000 156.5% 4.1%
    Citizens Community Federal $43,175,000 $29,440,000 -31.8% 3.7%
    Associated Bank $22,895,000 $23,605,000 3.1% 2.9%
    Merchants Bank $29,715,000 $22,890,000 -23.0% 2.9%
    Northwestern Bank $37,220,000 $21,650,000 -41.8% 2.7%
    Frandsen Bank & Trust $11,770,000 $21,035,000 78.7% 2.6%
    U.S. Bank $27,820,000 $20,600,000 -26.0% 2.6%
    National Bank of Commerce $235,000 $18,635,000 7,829.8% 2.3%
    QUICKEN LOANS, LLC $32,110,000 $17,505,000 -45.5% 2.2%
    River Bank $225,000 $15,005,000 6,568.9% 1.9%
    Security Financial Bank $14,035,000 $13,380,000 -4.7% 1.7%
    Citizens State Bank $21,075,000 $11,505,000 -45.4% 1.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,565,000 $10,475,000 -16.6% 1.3%
    Mortgage Research Center, LLC $14,185,000 $10,015,000 -29.4% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $6,450,000 $9,710,000 50.5% 1.2%
    FIRST COMMUNITY MORTGAGE, INC. $1,590,000 $8,380,000 427.0% 1.0%
    BMO Harris Bank $8,470,000 $8,110,000 -4.3% 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $9,700,000 $8,100,000 -16.5% 1.0%
    WNB Financial, N.A. $5,670,000 $7,835,000 38.2% 1.0%
    Prevail Bank $10,390,000 $7,410,000 -28.7% 0.9%
    CO-OP Credit Union $8,090,000 $6,890,000 -14.8% 0.9%
    Citizens State Bank of La Crosse $4,480,000 $6,315,000 41.0% 0.8%
    Security Bank $9,635,000 $5,980,000 -37.9% 0.7%
    Bremer Bank $20,190,000 $5,800,000 -71.3% 0.7%
    Wells Fargo Bank $14,465,000 $5,545,000 -61.7% 0.7%
    MARINE $10,180,000 $5,530,000 -45.7% 0.7%
    PENNYMAC LOAN SERVICES, LLC $3,615,000 $5,255,000 45.4% 0.7%
    COMPEER FINANCIAL, FLCA $4,470,000 $4,735,000 5.9% 0.6%
    GSF Mortgage Corporation $790,000 $4,535,000 474.1% 0.6%
    Prosperity Home Mortgage, LLC $6,630,000 $4,400,000 -33.6% 0.5%
    UNION HOME MORTGAGE CORP. $3,015,000 $4,255,000 41.1% 0.5%
    American Mortgage & Equity Consultants, Inc. $15,150,000 $4,165,000 -72.5% 0.5%
    NAVY FEDERAL CREDIT UNION $3,195,000 $3,795,000 18.8% 0.5%
    LOANDEPOT.COM, LLC $7,310,000 $3,695,000 -49.5% 0.5%
    Home Federal Savings Bank $355,000 $3,570,000 905.6% 0.4%
    Barrington Bank & Trust Company, N.A. $3,325,000 $3,455,000 3.9% 0.4%
    Summit Credit Union $1,575,000 $3,135,000 99.0% 0.4%
    Bell Bank $2,610,000 $3,060,000 17.2% 0.4%
    CARDINAL FINANCIAL $3,405,000 $3,025,000 -11.2% 0.4%
    LAKE MICHIGAN CREDIT UNION $2,920,000 n/a 0.4%
    Florida Capital Bank $2,560,000 n/a 0.3%
    GUARANTEED RATE, INC. $2,575,000 $2,415,000 -6.2% 0.3%
    University of Wisconsin Credit Union $4,325,000 $2,375,000 -45.1% 0.3%
    Forward Bank $5,350,000 $2,325,000 -56.5% 0.3%
    First Federal Bank $1,320,000 $2,235,000 69.3% 0.3%
    The Huntington National Bank $1,560,000 $2,235,000 43.3% 0.3%
    Bank of Sun Prairie $18,690,000 $2,215,000 -88.1% 0.3%
    LAND HOME FINANCIAL SERVICES, INC. $7,515,000 $2,200,000 -70.7% 0.3%
    Johnson Bank $1,855,000 $2,190,000 18.1% 0.3%
    USAA Federal Savings Bank $3,595,000 $2,170,000 -39.6% 0.3%
    MAYO EMPLOYEES FEDERAL CREDIT UNION $4,200,000 $2,135,000 -49.2% 0.3%
    Dairy State Bank $3,445,000 $2,100,000 -39.0% 0.3%
    Stifel Bank and Trust $2,030,000 n/a 0.3%
    SUPERIOR CHOICE $200,000 $1,950,000 875.0% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $3,780,000 $1,860,000 -50.8% 0.2%
    GUILD MORTGAGE COMPANY $225,000 $1,750,000 677.8% 0.2%
    ALTRA $1,630,000 $1,670,000 2.5% 0.2%
    Blackhawk Bank $1,565,000 n/a 0.2%
    JPMorgan Chase Bank $3,160,000 $1,390,000 -56.0% 0.2%
    V.I.P. MORTGAGE, INC. $1,335,000 n/a 0.2%
    CoVantage Credit Union $535,000 $1,295,000 142.1% 0.2%
    FREEDOM MORTGAGE CORPORATION $5,125,000 $1,255,000 -75.5% 0.2%
    Bank First, N.A. $305,000 $1,230,000 303.3% 0.2%
    PNC Bank $1,570,000 $1,025,000 -34.7% 0.1%
    GUARANTEED RATE AFFINITY, LLC $1,655,000 $1,005,000 -39.3% 0.1%
    NEWREZ LLC $610,000 $1,000,000 63.9% 0.1%
    MidWestOne Bank $885,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $870,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $760,000 $850,000 11.8% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,245,000 $840,000 -32.5% 0.1%
    Peoples State Bank $340,000 $840,000 147.1% 0.1%
    Independence State Bank $820,000 n/a 0.1%
    Nations Lending Corporation $225,000 $810,000 260.0% 0.1%
    Peoples State Bank of Plainview $625,000 $795,000 27.2% 0.1%
    AMERISAVE MORTGAGE CORPORATION $2,740,000 $770,000 -71.9% 0.1%
    Paramount Residential Mortgage Group, Inc. $740,000 n/a 0.1%
    Flagstar Bank, FSB $2,485,000 $730,000 -70.6% 0.1%
    Waterstone Mortgage Corporation $700,000 $730,000 4.3% 0.1%
    AFFINITY PLUS $530,000 $720,000 35.8% 0.1%
    American Bank and Trust Company $710,000 n/a 0.1%
    SPIRE Credit Union $300,000 $710,000 136.7% 0.1%
    Ally Bank $540,000 $650,000 20.4% 0.1%
    ZILLOW HOME LOANS, LLC $285,000 $640,000 124.6% 0.1%
    MEGASTAR FINANCIAL CORP. $630,000 n/a 0.1%
    Baxter Credit Union $605,000 $615,000 1.7% 0.1%
    AMERICAN FINANCING CORPORATION $955,000 $600,000 -37.2% 0.1%
    Tradition Mortgage, LLC $1,965,000 $585,000 -70.2% 0.1%
    Old National Bank $790,000 $580,000 -26.6% 0.1%
    Chippewa Valley Bank $555,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $725,000 $535,000 -26.2% 0.1%
    Discover Bank $110,000 $525,000 377.3% 0.1%
    DUPACO COMMUNITY $65,000 $515,000 692.3% 0.1%
    First Bank & Trust $505,000 n/a 0.1%
    Servion, Inc. $1,165,000 $495,000 -57.5% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $1,015,000 $490,000 -51.7% 0.1%
    Unity Bank $2,345,000 $490,000 -79.1% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $12,210,000 $470,000 -96.2% 0.1%
    Lend Smart Mortgage, LLC $1,405,000 $460,000 -67.3% 0.1%
    SWBC MORTGAGE CORPORATION $460,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $915,000 $435,000 -52.5% 0.1%
    Bankers' Bank $860,000 $430,000 -50.0% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $125,000 $430,000 244.0% 0.1%
    Summit Mortgage Corporation $1,460,000 $410,000 -71.9% 0.1%
    THOMPSON KANE & COMPANY, LLC $325,000 $410,000 26.2% 0.1%
    Coastal Community Bank $395,000 n/a 0.0%
    DMB Community Bank $10,805,000 $395,000 -96.3% 0.0%
    Think Mutual Bank $390,000 $385,000 -1.3% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $475,000 $370,000 -22.1% 0.0%
    ENVOY MORTGAGE, LTD $375,000 $365,000 -2.7% 0.0%
    ENDEAVOR CAPITAL, LLC. $655,000 $360,000 -45.0% 0.0%
    PREMIA MORTGAGE, LLC $155,000 $355,000 129.0% 0.0%
    AMERICAN PACIFIC MORTGAGE CORPORATION $355,000 $350,000 -1.4% 0.0%
    First Bank of Baldwin $350,000 n/a 0.0%
    National Exchange Bank and Trust $8,295,000 $345,000 -95.8% 0.0%
    Bank Five Nine $1,885,000 $340,000 -82.0% 0.0%
    Blackhawk Community Credit Union $200,000 $335,000 67.5% 0.0%
    MORTGAGE ACCESS CORP. $335,000 n/a 0.0%
    PROSPERA Credit Union $335,000 n/a 0.0%
    Ixonia Bank $185,000 $330,000 78.4% 0.0%
    MID AMERICA MORTGAGE, INC. $330,000 n/a 0.0%
    AbbyBank $600,000 $315,000 -47.5% 0.0%
    CLEARPATH LENDING $400,000 $315,000 -21.3% 0.0%
    Bank of America $2,160,000 $310,000 -85.6% 0.0%
    COMPASS MORTGAGE, INC. $125,000 $310,000 148.0% 0.0%
    AgCountry Farm Credit Services, FLCA $415,000 $305,000 -26.5% 0.0%
    F & M Community Bank $305,000 n/a 0.0%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $305,000 n/a 0.0%
    Figure Lending LLC $585,000 $300,000 -48.7% 0.0%
    Regions Bank $295,000 n/a 0.0%
    Merchants and Manufacturers Bank $285,000 n/a 0.0%
    A + MORTGAGE SERVICES, INC. $620,000 $275,000 -55.6% 0.0%
    Connexus Credit Union $275,000 n/a 0.0%
    EMBRACE HOME LOANS, INC. $275,000 n/a 0.0%
    KINECTA $275,000 n/a 0.0%
    Mid-Continent Funding, Inc. $165,000 $275,000 66.7% 0.0%
    SUMMIT FUNDING, INC. $275,000 n/a 0.0%
    The Federal Savings Bank $1,360,000 $270,000 -80.1% 0.0%
    Bank of Deerfield $265,000 n/a 0.0%
    Cleveland State Bank $265,000 n/a 0.0%
    North American Savings Bank, F.S.B. $315,000 $265,000 -15.9% 0.0%
    EDUCATORS CREDIT UNION $255,000 n/a 0.0%
    Oak Bank $255,000 n/a 0.0%
    Settlers Bank $705,000 $250,000 -64.5% 0.0%
    Coulee Bank $1,100,000 $245,000 -77.7% 0.0%
    DAS Acquisition Company, LLC $155,000 $245,000 58.1% 0.0%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $245,000 n/a 0.0%
    CRESCENT MORTGAGE COMPANY $635,000 $235,000 -63.0% 0.0%
    LIBERTY HOME MORTGAGE CORPORATION $235,000 n/a 0.0%
    Fifth Third Bank $215,000 n/a 0.0%
    Minnwest Bank $280,000 $205,000 -26.8% 0.0%
    PENTAGON FEDERAL CREDIT UNION $315,000 $205,000 -34.9% 0.0%
    VERVE, A CREDIT UNION $205,000 n/a 0.0%
    IDEAL $195,000 n/a 0.0%
    The First National Bank of River Falls $195,000 n/a 0.0%
    NATIONS RELIABLE LENDING, LLC $185,000 n/a 0.0%
    BAY EQUITY LLC $335,000 $175,000 -47.8% 0.0%
    Capital Bank $175,000 n/a 0.0%
    Lake Elmo Bank $225,000 $175,000 -22.2% 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $545,000 $175,000 -67.9% 0.0%
    HOMESTEAD FUNDING CORP. $335,000 $155,000 -53.7% 0.0%
    State Bank Financial $7,495,000 $145,000 -98.1% 0.0%
    The First National Bank and Trust Company $145,000 n/a 0.0%
    CAPITAL Credit Union $135,000 n/a 0.0%
    WINGS FINANCIAL $1,170,000 $135,000 -88.5% 0.0%
    MLD MORTGAGE INC. $125,000 n/a 0.0%
    Carrington Mortgage Services, LLC $1,140,000 $120,000 -89.5% 0.0%
    Centier Bank $165,000 $120,000 -27.3% 0.0%
    Arvest Bank $115,000 n/a 0.0%
    EVANSVILLE TEACHERS $115,000 n/a 0.0%
    HOMESIDE FINANCIAL, LLC $610,000 $115,000 -81.1% 0.0%
    Community First Credit Union $115,000 $105,000 -8.7% 0.0%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $105,000 n/a 0.0%
    Monona Bank $105,000 n/a 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $95,000 n/a 0.0%
    RUOFF MORTGAGE COMPANY, INC. $480,000 $85,000 -82.3% 0.0%
    FINANCE OF AMERICA REVERSE LLC $75,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $105,000 $65,000 -38.1% 0.0%
    SPRING EQ, LLC $55,000 $65,000 18.2% 0.0%
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION $820,000 $65,000 -92.1% 0.0%
    First American Bank $55,000 n/a 0.0%
    GREENSTATE CREDIT UNION $70,000 $55,000 -21.4% 0.0%
    HIWAY $155,000 $45,000 -71.0% 0.0%
    21ST MORTGAGE CORPORATION $250,000 $25,000 -90.0% 0.0%
    BROKER SOLUTIONS, INC. $2,305,000 $25,000 -98.9% 0.0%

    EAU CLAIRE's top lender by overall market share is Royal Credit Union, with 27.7% market share. In second place, with 5.1%, is State Bank of Cross Plains, having originated $40,750,000 in loans. In third place, with 5.1%, is WESTconsin Credit Union, having originated $40,495,000 in loans. In fourth place, with 4.1%, is Nicolet National Bank, having originated $32,565,000 in loans. In fifth place, with 3.7%, is Citizens Community Federal, having originated $29,440,000 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 $234,500 (6.6%) $286,821 (3.4%) 0.87 294
    2018-02-01 $246,400 (4.9%) $296,035 (0.3%) 0.89 305
    2018-03-01 $249,900 (3.1%) $288,572 (-4.0%) 0.87 356
    2018-04-01 $244,900 (2.1%) $286,945 (-7.3%) 0.83 358
    2018-05-01 $250,200 (0.1%) $290,947 (-8.0%) 0.83 375
    2018-06-01 $258,900 (4.3%) $303,249 (-2.2%) 0.86 374
    2018-07-01 $252,400 (1.0%) $297,758 (-4.2%) 0.84 428
    2018-08-01 $249,900 (3.0%) $293,079 (-3.3%) 0.84 481
    2018-09-01 $239,900 (2.1%) $290,121 (-2.9%) 0.81 472
    2018-10-01 $232,000 (0.9%) $283,826 (-4.5%) 0.79 476
    2018-11-01 $229,488 (0.8%) $283,624 (-3.9%) 0.78 438
    2018-12-01 $234,900 (2.8%) $287,007 (4.3%) 0.81 354
    2019-01-01 $239,675 (2.2%) $290,736 (1.4%) 0.83 330
    2019-02-01 $253,050 (2.7%) $308,460 (4.2%) 0.86 317
    2019-03-01 $259,207 (3.7%) $325,671 (12.9%) 0.85 312
    2019-04-01 $259,207 (5.8%) $320,894 (11.8%) 0.83 327
    2019-05-01 $249,900 (-0.1%) $311,662 (7.1%) 0.78 346
    2019-06-01 $249,900 (-3.5%) $302,723 (-0.2%) 0.78 386
    2019-07-01 $245,425 (-2.8%) $304,093 (2.1%) 0.77 403
    2019-08-01 $242,936 (-2.8%) $306,837 (4.7%) 0.77 408
    2019-09-01 $238,416 (-0.6%) $304,466 (4.9%) 0.76 418
    2019-10-01 $234,925 (1.3%) $300,063 (5.7%) 0.76 440
    2019-11-01 $229,900 (0.2%) $299,729 (5.7%) 0.75 432
    2019-12-01 $226,400 (-3.6%) $303,482 (5.7%) 0.75 375
    2020-01-01 $229,900 (-4.1%) $307,970 (5.9%) 0.77 306
    2020-02-01 $259,900 (2.7%) $329,594 (6.9%) 0.85 282
    2020-03-01 $262,650 (1.3%) $332,754 (2.2%) 0.82 301
    2020-04-01 $262,588 (1.3%) $323,619 (0.9%) 0.82 334
    2020-05-01 $270,150 (8.1%) $326,960 (4.9%) 0.82 324
    2020-06-01 $278,225 (11.3%) $345,324 (14.1%) 0.82 303
    2020-07-01 $286,350 (16.7%) $354,886 (16.7%) 0.83 267
    2020-08-01 $274,900 (13.2%) $341,480 (11.3%) 0.79 260
    2020-09-01 $262,475 (10.1%) $323,945 (6.4%) 0.75 280
    2020-10-01 $255,000 (8.6%) $313,587 (4.5%) 0.73 237
    2020-11-01 $248,450 (8.1%) $298,216 (-0.5%) 0.73 241
    2020-12-01 $248,481 (9.8%) $301,051 (-0.8%) 0.74 208
    2021-01-01 $259,900 (13.1%) $335,312 (8.9%) 0.77 139
    2021-02-01 $272,550 (4.9%) $354,542 (7.6%) 0.79 136
    2021-03-01 $266,150 (1.3%) $380,747 (14.4%) 0.76 121
    2021-04-01 $272,400 (3.7%) $382,497 (18.2%) 0.74 125
    2021-05-01 $274,900 (1.8%) $351,034 (7.4%) 0.73 155
    2021-06-01 $284,900 (2.4%) $351,426 (1.8%) 0.75 176
    2021-07-01 $289,900 (1.2%) $349,366 (-1.6%) 0.76 204
    2021-08-01 $299,925 (9.1%) $348,591 (2.1%) 0.80 220
    2021-09-01 $299,925 (14.3%) $356,041 (9.9%) 0.80 254
    2021-10-01 $279,900 (9.8%) $338,022 (7.8%) 0.75 247
    2021-11-01 $283,675 (14.2%) $360,209 (20.8%) 0.75 216
    2021-12-01 $299,450 (20.5%) $361,394 (20.0%) 0.81 185
    2022-01-01 $289,900 (11.5%) $351,607 (4.9%) 0.78 137
    2022-02-01 $316,400 (16.1%) $373,890 (5.5%) 0.81 114
    2022-03-01 $326,900 (22.8%) $400,242 (5.1%) 0.81 118
    2022-04-01 $319,900 (17.4%) $379,914 (-0.7%) 0.76 133
    2022-05-01 $334,450 (21.7%) $395,835 (12.8%) 0.76 170
    2022-06-01 $354,200 (24.3%) $405,192 (15.3%) 0.79 201
    2022-07-01 $346,000 (19.4%) $393,190 (12.5%) 0.78 255
    2022-08-01 $364,925 (21.7%) $413,070 (18.5%) 0.84 244
    2022-09-01 $369,900 (23.3%) $417,179 (17.2%) 0.86 224
    2022-10-01 $372,400 (33.1%) $423,456 (25.3%) 0.88 220
    2022-11-01 $357,425 (26.0%) $405,384 (12.5%) 0.86 223
    2022-12-01 $359,900 (20.2%) $405,882 (12.3%) 0.89 190
    2023-01-01 $359,450 (24.0%) $409,840 (16.6%) 0.89 159
    2023-02-01 $330,000 (4.3%) $407,844 (9.1%) 0.80 140
    2023-03-01 $334,950 (2.5%) $413,961 (3.4%) 0.79 134
    2023-04-01 $346,900 (8.4%) $433,717 (14.2%) 0.81 131
    2023-05-01 $382,425 (14.3%) $467,230 (18.0%) 0.87 142
    2023-06-01 $382,425 (8.0%) $451,480 (11.4%) 0.86 156
    2023-07-01 $392,400 (13.4%) $468,214 (19.1%) 0.90 181
    2023-08-01 $372,375 (2.0%) $450,260 (9.0%) 0.86 216
    2023-09-01 $364,900 (-1.4%) $445,924 (6.9%) 0.85 240
    2023-10-01 $367,450 (-1.3%) $442,092 (4.4%) 0.87 275
    2023-11-01 $383,700 (7.4%) $455,640 (12.4%) 0.92 245
    2023-12-01 $389,950 (8.4%) $456,110 (12.4%) 0.96 210
    2024-01-01 $399,900 (11.3%) $468,058 (14.2%) 0.98 169
    2024-02-01 $399,900 (21.2%) $473,257 (16.0%) 0.96 160
    2024-03-01 $399,900 (19.4%) $464,711 (12.3%) 0.94 171
    2024-04-01 $393,450 (13.4%) $469,377 (8.2%) 0.92 207
    2024-05-01 $384,950 (0.7%) $465,754 (-0.3%) 0.87 237
    2024-06-01 $389,900 (2.0%) $478,037 (5.9%) 0.88 272
    2024-07-01 $373,400 (-4.8%) $470,107 (0.4%) 0.86 292
    2024-08-01 $369,900 (-0.7%) $451,818 (0.4%) 0.86 312
    2024-09-01 $369,888 (1.4%) $449,277 (0.8%) 0.87 340
    2024-10-01 $349,925 (-4.8%) $439,490 (-0.6%) 0.82 358
    2024-11-01 $343,400 (-10.5%) $433,493 (-4.9%) 0.82 333
    2024-12-01 $345,575 (-11.4%) $425,242 (-6.8%) 0.85 285
    2025-01-01 $357,425 (-10.6%) $426,868 (-8.8%) 0.00 257
    EAU CLAIRE's median listing price for 2025-01-01 was $357,425, a difference of $-42,475 (-10.6%) versus the prior year and $11,850 versus the prior month.

    EAU CLAIRE's median listing price comes in at 0% of the national average.

    EAU CLAIRE's average listing price for 2025-01-01 was $426,868, a difference of $-41,190 (-8.8%) versus the prior year and $1,626 versus the prior month.

    For the 2025-01-01 period, EAU CLAIRE had 257 MLS listings, a difference of -28 listings (-10%) versus the prior month and 88 listings (52%) 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
    2018-01-01 118 days 2,015 sqft
    2018-02-01 103 days 1,963 sqft
    2018-03-01 41 days 2,020 sqft
    2018-04-01 45 days 2,080 sqft
    2018-05-01 53 days 2,040 sqft
    2018-06-01 51 days 2,033 sqft
    2018-07-01 48 days 2,063 sqft
    2018-08-01 47 days 2,041 sqft
    2018-09-01 54 days 1,980 sqft
    2018-10-01 61 days 1,977 sqft
    2018-11-01 70 days 1,878 sqft
    2018-12-01 92 days 1,851 sqft
    2019-01-01 98 days 1,807 sqft
    2019-02-01 94 days 1,949 sqft
    2019-03-01 70 days 2,010 sqft
    2019-04-01 50 days 1,988 sqft
    2019-05-01 44 days 1,822 sqft
    2019-06-01 40 days 1,909 sqft
    2019-07-01 49 days 1,893 sqft
    2019-08-01 55 days 1,820 sqft
    2019-09-01 58 days 1,791 sqft
    2019-10-01 58 days 1,771 sqft
    2019-11-01 64 days 1,748 sqft
    2019-12-01 80 days 1,719 sqft
    2020-01-01 89 days 1,722 sqft
    2020-02-01 96 days 1,800 sqft
    2020-03-01 57 days 1,905 sqft
    2020-04-01 51 days 1,901 sqft
    2020-05-01 49 days 1,965 sqft
    2020-06-01 58 days 2,063 sqft
    2020-07-01 62 days 2,004 sqft
    2020-08-01 47 days 2,034 sqft
    2020-09-01 33 days 1,926 sqft
    2020-10-01 40 days 1,890 sqft
    2020-11-01 43 days 1,785 sqft
    2020-12-01 59 days 1,785 sqft
    2021-01-01 72 days 1,800 sqft
    2021-02-01 50 days 1,855 sqft
    2021-03-01 31 days 1,800 sqft
    2021-04-01 25 days 1,797 sqft
    2021-05-01 18 days 1,672 sqft
    2021-06-01 26 days 1,679 sqft
    2021-07-01 26 days 1,707 sqft
    2021-08-01 31 days 1,903 sqft
    2021-09-01 38 days 1,843 sqft
    2021-10-01 45 days 1,679 sqft
    2021-11-01 56 days 1,691 sqft
    2021-12-01 56 days 1,731 sqft
    2022-01-01 66 days 1,618 sqft
    2022-02-01 63 days 1,643 sqft
    2022-03-01 40 days 1,732 sqft
    2022-04-01 23 days 1,825 sqft
    2022-05-01 23 days 2,047 sqft
    2022-06-01 27 days 2,084 sqft
    2022-07-01 30 days 1,952 sqft
    2022-08-01 42 days 2,136 sqft
    2022-09-01 53 days 2,098 sqft
    2022-10-01 48 days 2,014 sqft
    2022-11-01 49 days 1,981 sqft
    2022-12-01 68 days 2,000 sqft
    2023-01-01 78 days 1,970 sqft
    2023-02-01 78 days 1,825 sqft
    2023-03-01 59 days 1,837 sqft
    2023-04-01 36 days 1,893 sqft
    2023-05-01 30 days 2,120 sqft
    2023-06-01 28 days 2,150 sqft
    2023-07-01 29 days 2,120 sqft
    2023-08-01 30 days 2,014 sqft
    2023-09-01 39 days 1,990 sqft
    2023-10-01 43 days 2,066 sqft
    2023-11-01 62 days 2,070 sqft
    2023-12-01 83 days 2,022 sqft
    2024-01-01 99 days 2,005 sqft
    2024-02-01 83 days 2,020 sqft
    2024-03-01 40 days 2,085 sqft
    2024-04-01 32 days 2,065 sqft
    2024-05-01 31 days 2,025 sqft
    2024-06-01 37 days 2,123 sqft
    2024-07-01 44 days 2,092 sqft
    2024-08-01 43 days 2,020 sqft
    2024-09-01 43 days 2,071 sqft
    2024-10-01 51 days 2,039 sqft
    2024-11-01 60 days 2,000 sqft
    2024-12-01 75 days 1,929 sqft
    2025-01-01 0 days 1,994 sqft
    EAU CLAIRE's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    EAU CLAIRE's median square footage for active listings during the 2025-01-01 period was 1,994 sqft. One year prior, the average listing was 2,005 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 MSA $580 $650 $830 $1,120 $1,290
    54701 Eau Claire, WI MSA $650 $730 $930 $1,270 $1,450
    54702 Eau Claire, WI MSA $640 $710 $910 $1,240 $1,420
    54703 Eau Claire, WI MSA $680 $760 $970 $1,320 $1,510
    54720 Eau Claire, WI MSA $620 $700 $890 $1,210 $1,390
    54722 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54724 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54726 Eau Claire, WI MSA $600 $670 $860 $1,170 $1,340
    54727 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54729 Eau Claire, WI MSA $660 $740 $940 $1,280 $1,470
    54730 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54732 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54738 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54739 Eau Claire, WI MSA $670 $750 $960 $1,310 $1,500
    54741 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54742 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54745 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54748 Eau Claire, WI MSA $600 $670 $860 $1,160 $1,340
    54755 Eau Claire, WI MSA $580 $650 $830 $1,130 $1,300
    54757 Eau Claire, WI MSA $600 $670 $860 $1,170 $1,340
    54758 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54766 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54768 Eau Claire, WI MSA $590 $660 $840 $1,140 $1,310
    54770 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290

    2022 Average & Median Rent Data Statistics
    EAU CLAIRE, WI average 1BR rent: $673, median: $650
    EAU CLAIRE, WI average 2BR rent: $860, median: $830
    EAU CLAIRE, WI average 3BR rent: $1,165, median: $1,120

    EAU CLAIRE, WI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,764 $567,950,000 $321,967
    Other 570 $44,650,000 $78,333
    Home Improvement 562 $53,370,000 $94,964
    Cash Out Refi 304 $44,080,000 $145,000
    Refi 227 $91,465,000 $402,930

    Eau Claire's most frequently cited loan purpose was Home Purchase, with 1,764 originations. The 2nd most popular reason was Other, with 570 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 1,058 $319,860,000 $302,325
    7-8% 903 $182,825,000 $202,464
    Over 8% 797 $66,735,000 $83,733
    5-6% 381 $157,405,000 $413,136
    4-5% 24 $5,440,000 $226,667
    <2.5% 15 $1,645,000 $109,667
    2.5-3% 13 $1,245,000 $95,769
    3-4% 6 $3,340,000 $556,667

    During 2023, Eau Claire's most frequently originated rate bucket was 6-7%, with 1,058 originations.

    Loan Sizing (EAU CLAIRE, WI MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 1,235 $62,435,000 $50,555
    $200k-400k 1,065 $292,105,000 $274,277
    $100k-200k 866 $128,400,000 $148,268
    $400k-600k 167 $80,075,000 $479,491
    $600k-1000k 60 $43,540,000 $725,667
    $Over $1MM 34 $194,960,000 $5,734,118

    EAU CLAIRE's loan sizing saw the bucket of loans from $100,000 or less with 1,235 originations, totaling $62,435,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 988 $316,010,000 $319,848
    Under 20% 694 $29,570,000 $42,608
    60-80% 629 $269,705,000 $428,784
    20-40% 552 $50,420,000 $91,341
    40-60% 303 $61,265,000 $202,195
    Over 100% 20 $10,350,000 $517,500

    EAU CLAIRE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 988 originations, totaling $316,010,000 in origination value.