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
6.71%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.8% and
one month ago for the week of 2023-08-17, the
average rate was 6.81%.
Eau Claire's average rate one year ago was 5.44%.
For refis of the same type during the week of 2023-09-21, the average rate
was 5.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Eau Claire 30 Year Fixed Rate | 2023-09-21 | 6.71% |
| Eau Claire 30 Year Fixed Rate Refi | 2023-09-21 | 5.86% |
| Eau Claire 15 Year Fixed Rate | 2023-09-21 | 6.08% |
| Eau Claire 15 Year Fixed Rate Refi | 2023-09-21 | 5.3% |
| Eau Claire 30 Year FHA | 2023-09-21 | 6.83% |
| Eau Claire 30 Year FHA Refi | 2023-09-21 | 7.14% |
| Eau Claire 30 Year USDA | 2023-09-21 | 7.02% |
| Eau Claire 30 Year USDA Refi | 2023-09-21 | 7.12% |
| Eau Claire 30 Year VA | 2023-09-21 | 6.31% |
| Eau Claire 30 Year VA Refi | 2023-09-21 | 6.92% |
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.).
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 | $233,900 (6.4%) | $285,151 (2.8%) | 0.87 | 299 |
| 2018-02-01 | $244,900 (4.3%) | $294,674 (-0.1%) | 0.89 | 308 |
| 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 (2.5%) | $290,113 (1.7%) | 0.83 | 335 |
| 2019-02-01 | $253,050 (3.3%) | $307,584 (4.4%) | 0.86 | 323 |
| 2019-03-01 | $259,493 (4.3%) | $325,235 (12.9%) | 0.85 | 315 |
| 2019-04-01 | $259,243 (5.9%) | $320,381 (12.1%) | 0.82 | 329 |
| 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 (0.8%) | $331,988 (2.1%) | 0.82 | 304 |
| 2020-04-01 | $262,519 (1.3%) | $323,208 (0.9%) | 0.82 | 335 |
| 2020-05-01 | $270,400 (8.2%) | $326,960 (5.1%) | 0.82 | 325 |
| 2020-06-01 | $279,375 (11.8%) | $345,963 (14.4%) | 0.82 | 305 |
| 2020-07-01 | $286,775 (17.6%) | $355,011 (17.1%) | 0.83 | 270 |
| 2020-08-01 | $274,900 (13.5%) | $341,231 (11.6%) | 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 | 157 |
| 2021-06-01 | $284,900 (2.0%) | $349,821 (1.1%) | 0.75 | 178 |
| 2021-07-01 | $287,450 (0.2%) | $348,141 (-1.9%) | 0.76 | 206 |
| 2021-08-01 | $299,900 (9.1%) | $347,883 (2.0%) | 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%) | 0.76 | 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 | $354,200 (24.3%) | $406,406 (16.2%) | 0.79 | 202 |
| 2022-07-01 | $346,000 (20.4%) | $393,280 (13.0%) | 0.78 | 257 |
| 2022-08-01 | $364,925 (21.7%) | $413,096 (18.8%) | 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 | 224 |
| 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 |
| 2023-03-01 | $334,950 (2.5%) | $413,482 (3.3%) | 0.79 | 136 |
| 2023-04-01 | $346,900 (8.4%) | $433,717 (14.2%) | 0.81 | 131 |
| 2023-05-01 | $382,450 (14.7%) | $467,997 (18.6%) | 0.87 | 143 |
| 2023-06-01 | $382,450 (8.0%) | $451,488 (11.1%) | 0.86 | 157 |
| 2023-07-01 | $394,950 (14.2%) | $469,206 (19.3%) | 0.90 | 183 |
| 2023-08-01 | $372,413 (2.1%) | $451,009 (9.2%) | 0.86 | 219 |
EAU CLAIRE's median listing price for 2023-08-01 was $372,413, a difference of
$7,488
(2.1%) versus the prior year and
$-22,537 versus the prior month.
EAU CLAIRE's median listing price comes in at 86% of the national average.
EAU CLAIRE's average listing price for 2023-08-01 was $451,009, a difference of $37,913 (9.2%) versus the prior year and $-18,197 versus the prior month.
For the 2023-08-01 period, EAU CLAIRE had 219 MLS listings, a difference of 36 listings (20%) versus the prior month and -27 listings (-11%) versus the prior year.
EAU CLAIRE's median listing price comes in at 86% of the national average.
EAU CLAIRE's average listing price for 2023-08-01 was $451,009, a difference of $37,913 (9.2%) versus the prior year and $-18,197 versus the prior month.
For the 2023-08-01 period, EAU CLAIRE had 219 MLS listings, a difference of 36 listings (20%) versus the prior month and -27 listings (-11%) 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 | 1,964 sqft |
| 2018-03-01 | 41 days | 2,018 sqft |
| 2018-04-01 | 45 days | 2,067 sqft |
| 2018-05-01 | 53 days | 2,029 sqft |
| 2018-06-01 | 51 days | 2,027 sqft |
| 2018-07-01 | 48 days | 2,052 sqft |
| 2018-08-01 | 47 days | 2,036 sqft |
| 2018-09-01 | 54 days | 1,975 sqft |
| 2018-10-01 | 61 days | 1,977 sqft |
| 2018-11-01 | 70 days | 1,876 sqft |
| 2018-12-01 | 91 days | 1,836 sqft |
| 2019-01-01 | 97 days | 1,781 sqft |
| 2019-02-01 | 94 days | 1,941 sqft |
| 2019-03-01 | 70 days | 2,010 sqft |
| 2019-04-01 | 51 days | 1,988 sqft |
| 2019-05-01 | 44 days | 1,830 sqft |
| 2019-06-01 | 40 days | 1,904 sqft |
| 2019-07-01 | 49 days | 1,880 sqft |
| 2019-08-01 | 55 days | 1,816 sqft |
| 2019-09-01 | 58 days | 1,784 sqft |
| 2019-10-01 | 58 days | 1,762 sqft |
| 2019-11-01 | 64 days | 1,745 sqft |
| 2019-12-01 | 80 days | 1,716 sqft |
| 2020-01-01 | 89 days | 1,722 sqft |
| 2020-02-01 | 96 days | 1,796 sqft |
| 2020-03-01 | 57 days | 1,905 sqft |
| 2020-04-01 | 51 days | 1,900 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 | 32 days | 1,925 sqft |
| 2020-10-01 | 40 days | 1,891 sqft |
| 2020-11-01 | 43 days | 1,785 sqft |
| 2020-12-01 | 60 days | 1,785 sqft |
| 2021-01-01 | 72 days | 1,800 sqft |
| 2021-02-01 | 50 days | 1,854 sqft |
| 2021-03-01 | 31 days | 1,800 sqft |
| 2021-04-01 | 25 days | 1,803 sqft |
| 2021-05-01 | 18 days | 1,668 sqft |
| 2021-06-01 | 26 days | 1,679 sqft |
| 2021-07-01 | 26 days | 1,707 sqft |
| 2021-08-01 | 31 days | 1,909 sqft |
| 2021-09-01 | 38 days | 1,849 sqft |
| 2021-10-01 | 45 days | 1,685 sqft |
| 2021-11-01 | 56 days | 1,692 sqft |
| 2021-12-01 | 56 days | 1,735 sqft |
| 2022-01-01 | 66 days | 1,628 sqft |
| 2022-02-01 | 63 days | 1,672 sqft |
| 2022-03-01 | 38 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 | 2,047 sqft |
| 2022-11-01 | 49 days | 1,994 sqft |
| 2022-12-01 | 68 days | 2,000 sqft |
| 2023-01-01 | 78 days | 1,970 sqft |
| 2023-02-01 | 78 days | 1,834 sqft |
| 2023-03-01 | 59 days | 1,840 sqft |
| 2023-04-01 | 36 days | 1,893 sqft |
| 2023-05-01 | 30 days | 2,122 sqft |
| 2023-06-01 | 28 days | 2,152 sqft |
| 2023-07-01 | 29 days | 2,154 sqft |
| 2023-08-01 | 30 days | 2,028 sqft |
EAU CLAIRE's median listing age (time on market) for 2023-08-01 was 30 days.
This
is -30%
shorter
than the same period one year ago.
EAU CLAIRE's median square footage for active listings during the 2023-08-01 period was 2,028 sqft. One year prior, the average listing was 2,136 sqft.
EAU CLAIRE's median square footage for active listings during the 2023-08-01 period was 2,028 sqft. One year prior, the average listing was 2,136 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.
| 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.