EAU CLAIRE Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Eau Claire averaged
5.8%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
6.07% and
one month ago for the week of 2022-05-19, the
average rate was 5.24%.
Eau Claire's average rate one year ago was 3.1%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.05%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Eau Claire 30 Year Fixed Rate | 2022-06-23 | 5.8% |
| Eau Claire 30 Year Fixed Rate Refi | 2022-06-23 | 6.05% |
| Eau Claire 15 Year Fixed Rate | 2022-06-23 | 5.2% |
| Eau Claire 15 Year Fixed Rate Refi | 2022-06-23 | 5.29% |
| Eau Claire 30 Year FHA | 2022-06-23 | -0.12% |
| Eau Claire 30 Year FHA Refi | 2022-06-23 | -0.26% |
| Eau Claire 30 Year USDA | 2022-06-23 | 0.2% |
| Eau Claire 30 Year USDA Refi | 2022-06-23 | 2.77% |
| Eau Claire 30 Year VA | 2022-06-23 | 0.16% |
| Eau Claire 30 Year VA Refi | 2022-06-23 | -0.3% |
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 lendor, 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, WI's 172 lenders originated 8,528
loans during 2021. The total origination value was $1,644,640,000, with an average loan value of
$192,852.
The top EAU CLAIRE lender as defined by loan originations is Royal Credit Union, with
1,138 loans originated. Their average total fees are
$80, which is $2,776
lower than the next largest lender,
WESTconsin Credit Union.
The lowest fee EAU CLAIRE lenders (with over 10 loans originated) are
Royal Credit Union ($80), Merchants Bank ($1,699), CO-OP Credit Union ($1,714), Prevail Bank ($1,929) and Security Financial Bank ($1,932).
The lowest rate EAU CLAIRE lenders (with over 10 loans originated) are
Prevail Bank (2.77%), BETTER MORTGAGE CORPORATION (2.86%), Bankers' Bank (2.86%), AMERISAVE MORTGAGE CORPORATION (2.94%) and PARKSIDE LENDING, LLC (2.99%).
EAU CLAIRE, WI Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Royal Credit Union | $460,060,000 | $454,655,000 | -1.2% | 27.6% |
| Citizens Community Federal | $117,700,000 | $99,060,000 | -15.8% | 6.0% |
| Charter Bank | $38,365,000 | $80,435,000 | 109.7% | 4.9% |
| QUICKEN LOANS, LLC | $58,315,000 | $71,010,000 | 21.8% | 4.3% |
| U.S. Bank | $67,155,000 | $69,760,000 | 3.9% | 4.2% |
| WESTconsin Credit Union | $72,375,000 | $67,800,000 | -6.3% | 4.1% |
| Northwestern Bank | $79,325,000 | $46,415,000 | -41.5% | 2.8% |
| Associated Bank | $42,525,000 | $42,920,000 | 0.9% | 2.6% |
| Citizens State Bank | $64,055,000 | $34,000,000 | -46.9% | 2.1% |
| Wells Fargo Bank | $31,305,000 | $33,575,000 | 7.3% | 2.0% |
| Bremer Bank | $54,025,000 | $33,000,000 | -38.9% | 2.0% |
| Security Financial Bank | $51,685,000 | $30,830,000 | -40.4% | 1.9% |
| Merchants Bank | $23,080,000 | $29,285,000 | 26.9% | 1.8% |
| Prevail Bank | $21,060,000 | $26,405,000 | 25.4% | 1.6% |
| FINANCE OF AMERICA MORTGAGE LLC | $13,495,000 | $19,435,000 | 44.0% | 1.2% |
| Security Bank | $28,880,000 | $19,390,000 | -32.9% | 1.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,125,000 | $18,570,000 | 160.6% | 1.1% |
| American Mortgage & Equity Consultants, Inc. | $2,775,000 | $16,165,000 | 482.5% | 1.0% |
| Mortgage Research Center, LLC | $14,945,000 | $15,020,000 | 0.5% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $15,270,000 | $14,880,000 | -2.6% | 0.9% |
| River Bank | $5,070,000 | $13,620,000 | 168.6% | 0.8% |
| Citizens State Bank of La Crosse | $33,575,000 | $12,775,000 | -62.0% | 0.8% |
| WNB Financial, N.A. | $16,045,000 | $12,400,000 | -22.7% | 0.8% |
| LOANDEPOT.COM, LLC | $7,855,000 | $12,100,000 | 54.0% | 0.7% |
| Bankers' Bank | $11,825,000 | n/a | 0.7% | |
| Johnson Bank | $3,710,000 | $11,245,000 | 203.1% | 0.7% |
| Frandsen Bank & Trust | $3,390,000 | $10,845,000 | 219.9% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $7,285,000 | $10,665,000 | 46.4% | 0.6% |
| CO-OP Credit Union | $9,940,000 | $10,635,000 | 7.0% | 0.6% |
| MARINE | $11,630,000 | $10,250,000 | -11.9% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,820,000 | $10,140,000 | 29.7% | 0.6% |
| COMPEER FINANCIAL, FLCA | $16,345,000 | $9,005,000 | -44.9% | 0.5% |
| Prosperity Home Mortgage, LLC | $7,885,000 | $7,935,000 | 0.6% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,570,000 | $7,495,000 | 109.9% | 0.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,010,000 | $7,395,000 | 5.5% | 0.4% |
| BETTER MORTGAGE CORPORATION | $1,055,000 | $7,335,000 | 595.3% | 0.4% |
| Forward Bank | $10,870,000 | $7,265,000 | -33.2% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,160,000 | $6,835,000 | 32.5% | 0.4% |
| First National Community Bank | $4,990,000 | $6,355,000 | 27.4% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $9,935,000 | $6,190,000 | -37.7% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $2,615,000 | $6,075,000 | 132.3% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $4,865,000 | $5,925,000 | 21.8% | 0.4% |
| BMO Harris Bank | $6,095,000 | $5,925,000 | -2.8% | 0.4% |
| Flagstar Bank, FSB | $19,755,000 | $5,865,000 | -70.3% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $4,785,000 | $5,525,000 | 15.5% | 0.3% |
| Bank of Sun Prairie | $3,325,000 | $5,485,000 | 65.0% | 0.3% |
| Dairy State Bank | $7,630,000 | $5,255,000 | -31.1% | 0.3% |
| JPMorgan Chase Bank | $3,445,000 | $5,200,000 | 50.9% | 0.3% |
| Plains Commerce Bank | $6,000,000 | $5,125,000 | -14.6% | 0.3% |
| USAA Federal Savings Bank | $5,755,000 | $5,115,000 | -11.1% | 0.3% |
| University of Wisconsin Credit Union | $2,025,000 | $4,520,000 | 123.2% | 0.3% |
| PARKSIDE LENDING, LLC | $7,060,000 | $4,515,000 | -36.0% | 0.3% |
| INLANTA MORTGAGE, INC. | $1,170,000 | $4,255,000 | 263.7% | 0.3% |
| CALIBER HOME LOANS, INC. | $1,870,000 | $3,485,000 | 86.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $2,335,000 | $3,455,000 | 48.0% | 0.2% |
| Bank Five Nine | $9,975,000 | $3,410,000 | -65.8% | 0.2% |
| BROKER SOLUTIONS, INC. | $2,975,000 | $3,295,000 | 10.8% | 0.2% |
| DMB Community Bank | $1,010,000 | $3,045,000 | 201.5% | 0.2% |
| AbbyBank | $3,205,000 | $2,875,000 | -10.3% | 0.2% |
| HOMESTEAD FUNDING CORP. | $1,320,000 | $2,845,000 | 115.5% | 0.2% |
| NEW DAY FINANCIAL, LLC | $3,280,000 | $2,795,000 | -14.8% | 0.2% |
| GUARANTEED RATE, INC. | $635,000 | $2,705,000 | 326.0% | 0.2% |
| Servion, Inc. | $4,815,000 | $2,640,000 | -45.2% | 0.2% |
| UNION HOME MORTGAGE CORP. | $2,550,000 | n/a | 0.2% | |
| Bell Bank | $3,805,000 | $2,395,000 | -37.1% | 0.1% |
| NEWREZ LLC | $1,165,000 | $2,390,000 | 105.2% | 0.1% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $2,445,000 | $2,335,000 | -4.5% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $2,745,000 | $2,225,000 | -18.9% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $23,735,000 | $2,205,000 | -90.7% | 0.1% |
| HERITAGE CREDIT UNION | $1,740,000 | $2,130,000 | 22.4% | 0.1% |
| Summit Credit Union | $2,220,000 | $2,055,000 | -7.4% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,815,000 | $2,045,000 | -27.4% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $2,275,000 | $2,015,000 | -11.4% | 0.1% |
| Bank of America | $1,080,000 | $1,945,000 | 80.1% | 0.1% |
| ALTRA | $4,385,000 | $1,905,000 | -56.6% | 0.1% |
| KELLER MORTGAGE, LLC | $1,555,000 | $1,780,000 | 14.5% | 0.1% |
| Unity Bank | $3,120,000 | $1,765,000 | -43.4% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,705,000 | $1,745,000 | 2.3% | 0.1% |
| Old National Bank | $4,240,000 | $1,715,000 | -59.6% | 0.1% |
| Tradition Mortgage, LLC | $720,000 | $1,665,000 | 131.3% | 0.1% |
| KeyBank | $1,635,000 | n/a | 0.1% | |
| First Federal Bank | $2,480,000 | $1,630,000 | -34.3% | 0.1% |
| Home Federal Savings Bank | $1,640,000 | $1,620,000 | -1.2% | 0.1% |
| GSF Mortgage Corporation | $3,970,000 | $1,615,000 | -59.3% | 0.1% |
| Lend Smart Mortgage, LLC | $920,000 | $1,600,000 | 73.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $840,000 | $1,590,000 | 89.3% | 0.1% |
| Minnwest Bank | $1,575,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $970,000 | $1,565,000 | 61.3% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $935,000 | $1,485,000 | 58.8% | 0.1% |
| The Huntington National Bank | $255,000 | $1,470,000 | 476.5% | 0.1% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $745,000 | $1,400,000 | 87.9% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $435,000 | $1,375,000 | 216.1% | 0.1% |
| Waterstone Mortgage Corporation | $2,230,000 | $1,365,000 | -38.8% | 0.1% |
| Carrington Mortgage Services, LLC | $1,600,000 | $1,315,000 | -17.8% | 0.1% |
| CMG MORTGAGE, INC. | $850,000 | $1,315,000 | 54.7% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $415,000 | $1,305,000 | 214.5% | 0.1% |
| Ixonia Bank | $545,000 | $1,295,000 | 137.6% | 0.1% |
| Peoples State Bank of Plainview | $1,510,000 | $1,275,000 | -15.6% | 0.1% |
| PLANET HOME LENDING, LLC | $455,000 | $1,255,000 | 175.8% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $920,000 | $1,230,000 | 33.7% | 0.1% |
| MidWestOne Bank | $1,230,000 | $1,225,000 | -0.4% | 0.1% |
| The Federal Savings Bank | $1,870,000 | $1,130,000 | -39.6% | 0.1% |
| SUPERIOR CHOICE | $1,670,000 | $1,070,000 | -35.9% | 0.1% |
| Alerus Financial | $605,000 | $1,035,000 | 71.1% | 0.1% |
| SOFI LENDING CORP. | $225,000 | $1,010,000 | 348.9% | 0.1% |
| CLEARPATH LENDING | $1,690,000 | $1,005,000 | -40.5% | 0.1% |
| Bluff View Bank | $515,000 | $1,000,000 | 94.2% | 0.1% |
| Mortgages Unlimited Inc. | $405,000 | $1,000,000 | 146.9% | 0.1% |
| Low VA Rates, LLC | $1,020,000 | $975,000 | -4.4% | 0.1% |
| DAS Acquisition Company, LLC | $235,000 | $940,000 | 300.0% | 0.1% |
| AgCountry Farm Credit Services, FLCA | $105,000 | $935,000 | 790.5% | 0.1% |
| Northpointe Bank | $485,000 | $905,000 | 86.6% | 0.1% |
| RESIDENTIAL BANCORP. | $890,000 | n/a | 0.1% | |
| TCF National Bank | $905,000 | $885,000 | -2.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $605,000 | $850,000 | 40.5% | 0.1% |
| North American Savings Bank, F.S.B. | $930,000 | $820,000 | -11.8% | 0.0% |
| HOME POINT FINANCIAL CORPORATION | $430,000 | $815,000 | 89.5% | 0.0% |
| Citizens State Bank of Loyal | $1,540,000 | $800,000 | -48.1% | 0.0% |
| Stifel Bank and Trust | $2,080,000 | $800,000 | -61.5% | 0.0% |
| Landmark Credit Union | $370,000 | $795,000 | 114.9% | 0.0% |
| Arvest Bank | $760,000 | $780,000 | 2.6% | 0.0% |
| Nicolet National Bank | $1,110,000 | $755,000 | -32.0% | 0.0% |
| FirstBank | $780,000 | $740,000 | -5.1% | 0.0% |
| BELEM SERVICING LLC | $735,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $370,000 | $730,000 | 97.3% | 0.0% |
| AFFINITY PLUS | $725,000 | $720,000 | -0.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $645,000 | $720,000 | 11.6% | 0.0% |
| HIWAY | $710,000 | n/a | 0.0% | |
| ACCELERATE MORTGAGE, LLC | $695,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $755,000 | $690,000 | -8.6% | 0.0% |
| Hometown Lenders, Inc. | $685,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $685,000 | n/a | 0.0% | |
| Bank First, N.A. | $1,685,000 | $680,000 | -59.6% | 0.0% |
| ZILLOW HOME LOANS, LLC | $135,000 | $650,000 | 381.5% | 0.0% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $165,000 | $635,000 | 284.8% | 0.0% |
| EMBRACE HOME LOANS, INC. | $310,000 | $615,000 | 98.4% | 0.0% |
| Bank of England | $605,000 | n/a | 0.0% | |
| Paramount Bank | $600,000 | n/a | 0.0% | |
| Think Mutual Bank | $1,240,000 | $590,000 | -52.4% | 0.0% |
| Cambria Financial Group, LLC | $550,000 | $580,000 | 5.5% | 0.0% |
| Midwest Heritage Bank FSB | $570,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $1,185,000 | $570,000 | -51.9% | 0.0% |
| WINGS FINANCIAL | $690,000 | $565,000 | -18.1% | 0.0% |
| First Guaranty Mortgage Corporation | $175,000 | $555,000 | 217.1% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $70,000 | $545,000 | 678.6% | 0.0% |
| BLUELEAF LENDING, LLC | $535,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $495,000 | $535,000 | 8.1% | 0.0% |
| Citibank | $165,000 | $525,000 | 218.2% | 0.0% |
| Deere Employees Credit Union | $525,000 | n/a | 0.0% | |
| First Western Trust Bank | $525,000 | n/a | 0.0% | |
| CoVantage Credit Union | $710,000 | $505,000 | -28.9% | 0.0% |
| Magnolia Bank | $940,000 | $505,000 | -46.3% | 0.0% |
| Ally Bank | $330,000 | $495,000 | 50.0% | 0.0% |
| EVERETT FINANCIAL, INC. | $1,080,000 | $475,000 | -56.0% | 0.0% |
| First National Bank | $465,000 | n/a | 0.0% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $465,000 | n/a | 0.0% | |
| The First National Bank of River Falls | $1,350,000 | $465,000 | -65.6% | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | $515,000 | $465,000 | -9.7% | 0.0% |
| Baxter Credit Union | $385,000 | $450,000 | 16.9% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $445,000 | n/a | 0.0% | |
| Nations Lending Corporation | $115,000 | $445,000 | 287.0% | 0.0% |
| Lake Area Bank | $195,000 | $435,000 | 123.1% | 0.0% |
| ENVOY MORTGAGE, LTD | $420,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $185,000 | $420,000 | 127.0% | 0.0% |
| Foresight Bank | $245,000 | $415,000 | 69.4% | 0.0% |
| Citizens Bank | $215,000 | $410,000 | 90.7% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $400,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $400,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $395,000 | n/a | 0.0% | |
| The Peoples Community Bank | $395,000 | n/a | 0.0% | |
| RESULTS MORTGAGE, LLC | $390,000 | n/a | 0.0% | |
| Oregon Community Bank | $315,000 | $385,000 | 22.2% | 0.0% |
| BAY EQUITY LLC | $255,000 | $375,000 | 47.1% | 0.0% |
| LENDERFI, INC. | $375,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $325,000 | $355,000 | 9.2% | 0.0% |
| LAKE MICHIGAN CREDIT UNION | $355,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $525,000 | $355,000 | -32.4% | 0.0% |
| AMERICAN ADVISORS GROUP | $585,000 | $350,000 | -40.2% | 0.0% |
| The Bank of Kaukauna | $265,000 | $350,000 | 32.1% | 0.0% |
| State Bank of Cross Plains | $155,000 | $335,000 | 116.1% | 0.0% |
| CAPITAL Credit Union | $145,000 | $330,000 | 127.6% | 0.0% |
| First State Bank and Trust | $320,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $320,000 | n/a | 0.0% | |
| WISCONSIN MORTGAGE CORPORATION | $265,000 | $315,000 | 18.9% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | $310,000 | 59.0% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,000,000 | $305,000 | -69.5% | 0.0% |
| Texana Bank | $305,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $290,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $175,000 | $280,000 | 60.0% | 0.0% |
| KS StateBank | $1,025,000 | $280,000 | -72.7% | 0.0% |
| BNC National Bank | $275,000 | n/a | 0.0% | |
| VERVE, A CREDIT UNION | $195,000 | $275,000 | 41.0% | 0.0% |
| Alliance Bank | $385,000 | $270,000 | -29.9% | 0.0% |
| Mound City Bank | $270,000 | n/a | 0.0% | |
| PNC Bank | $270,000 | n/a | 0.0% | |
| Waukesha State Bank | $265,000 | $270,000 | 1.9% | 0.0% |
| Chicago Mortgage Solutions LLC | $215,000 | $265,000 | 23.3% | 0.0% |
| Goldwater Bank, N.A. | $175,000 | $265,000 | 51.4% | 0.0% |
| The Park Bank | $265,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $260,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $260,000 | n/a | 0.0% | |
| Deerwood Bank | $255,000 | n/a | 0.0% | |
| Farmers & Merchants State Bank | $255,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $95,000 | $255,000 | 168.4% | 0.0% |
| Capital Bank | $255,000 | $245,000 | -3.9% | 0.0% |
| Discover Bank | $160,000 | $235,000 | 46.9% | 0.0% |
| DUPACO COMMUNITY | $95,000 | $235,000 | 147.4% | 0.0% |
| Bay Bank | $225,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $215,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $215,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $490,000 | $215,000 | -56.1% | 0.0% |
| ROSS MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| Auto Club Trust, FSB | $205,000 | n/a | 0.0% | |
| Capitol Bank | $205,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $205,000 | n/a | 0.0% | |
| Horicon Bank | $145,000 | $195,000 | 34.5% | 0.0% |
| INTELLILOAN, INC. | $195,000 | n/a | 0.0% | |
| Hiawatha National Bank | $245,000 | $185,000 | -24.5% | 0.0% |
| Manufacturers and Traders Trust Company | $185,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $175,000 | n/a | 0.0% | |
| Collins State Bank | $175,000 | n/a | 0.0% | |
| Great Midwest Bank, S.S.B. | $175,000 | n/a | 0.0% | |
| Blackhawk Bank | $165,000 | n/a | 0.0% | |
| Community First Credit Union | $125,000 | $165,000 | 32.0% | 0.0% |
| Fortifi Bank | $155,000 | $165,000 | 6.5% | 0.0% |
| INTERCAP LENDING INC. | $165,000 | n/a | 0.0% | |
| THOMPSON KANE & COMPANY, LLC | $165,000 | $165,000 | 0.0% | 0.0% |
| A + MORTGAGE SERVICES, INC. | $155,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $95,000 | $155,000 | 63.2% | 0.0% |
| Denmark State Bank | $155,000 | n/a | 0.0% | |
| IncredibleBank | $485,000 | $155,000 | -68.0% | 0.0% |
| National Exchange Bank and Trust | $165,000 | $155,000 | -6.1% | 0.0% |
| North Shore Bank FSB | $410,000 | $155,000 | -62.2% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $85,000 | $155,000 | 82.4% | 0.0% |
| Taylor Credit Union | $230,000 | $155,000 | -32.6% | 0.0% |
| Triumph Bank | $155,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $175,000 | $145,000 | -17.1% | 0.0% |
| CITIZENS EQUITY FIRST | $145,000 | n/a | 0.0% | |
| EMM LOANS LLC | $575,000 | $145,000 | -74.8% | 0.0% |
| LENDINGONE, LLC | $230,000 | $145,000 | -37.0% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $390,000 | $145,000 | -62.8% | 0.0% |
| Chippewa Valley Bank | $135,000 | n/a | 0.0% | |
| Figure Lending LLC | $70,000 | $135,000 | 92.9% | 0.0% |
| GUILD MORTGAGE COMPANY | $285,000 | $135,000 | -52.6% | 0.0% |
| IDEAL | $135,000 | n/a | 0.0% | |
| Lake Elmo Bank | $135,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $145,000 | $135,000 | -6.9% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $135,000 | n/a | 0.0% | |
| VERIDIAN CREDIT UNION | $135,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $270,000 | $125,000 | -53.7% | 0.0% |
| WOODTRUST BANK | $125,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $120,000 | $115,000 | -4.2% | 0.0% |
| PHH Mortgage Corporation | $115,000 | n/a | 0.0% | |
| Royal Bank | $980,000 | $115,000 | -88.3% | 0.0% |
| SOUTHPOINT FINANCIAL | $115,000 | n/a | 0.0% | |
| Truist Bank | $125,000 | $115,000 | -8.0% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| PyraMax Bank, FSB | $470,000 | $95,000 | -79.8% | 0.0% |
| SPRING EQ, LLC | $45,000 | $95,000 | 111.1% | 0.0% |
| American Airlines Federal Credit Union | $85,000 | $85,000 | 0.0% | 0.0% |
| Fifth Third Bank | $85,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $85,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $145,000 | $75,000 | -48.3% | 0.0% |
| FOX COMMUNITIES | $235,000 | $75,000 | -68.1% | 0.0% |
| Centier Bank | $80,000 | $65,000 | -18.8% | 0.0% |
| SPIRE Credit Union | $55,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $35,000 | $25,000 | -28.6% | 0.0% |
| Bank of Deerfield | $15,000 | n/a | 0.0% |
EAU CLAIRE's top lender by overall market share is Royal Credit Union, with 27.6% market share. In second place, with 6.0%, is Citizens Community Federal, having originated $99,060,000 in loans. In third place, with 4.9%, is Charter Bank, having originated $80,435,000 in loans. In third place, with 4.3%, is QUICKEN LOANS, LLC, having originated $71,010,000 in loans. In third place, with 4.2%, is U.S. Bank, having originated $69,760,000 in loans.
EAU CLAIRE, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,921 | $718,355,000 | $245,928 |
| Refi | 2,557 | $473,545,000 | $185,196 |
| Cash Out Refi | 1,853 | $343,975,000 | $185,631 |
| Other | 715 | $69,665,000 | $97,434 |
| Home Improvement | 482 | $39,100,000 | $81,120 |
Eau Claire's most frequently cited loan purpose was Home Purchase, with 2,921 originations. The 2nd most popular reason was Refi, with 2,557 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,199 | $649,025,000 | $202,884 |
| 3-4% | 2,400 | $469,760,000 | $195,733 |
| <2.5% | 1,402 | $248,950,000 | $177,568 |
| 4-5% | 354 | $39,470,000 | $111,497 |
| 5-6% | 196 | $13,220,000 | $67,449 |
| Over 8% | 41 | $4,505,000 | $109,878 |
| 7-8% | 29 | $3,355,000 | $115,690 |
| 6-7% | 22 | $1,670,000 | $75,909 |
During 2021, Eau Claire's most frequently originated rate bucket was 2.5-3%, with 3,199 originations.
Loan Sizing (EAU CLAIRE, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 3,770 | $557,430,000 | $147,859 |
| $200k-400k | 2,422 | $641,350,000 | $264,802 |
| $100,000 or less | 1,922 | $114,650,000 | $59,651 |
| $400k-600k | 304 | $144,530,000 | $475,428 |
| $600k-1000k | 59 | $42,335,000 | $717,542 |
| $Over $1MM | 51 | $144,345,000 | $2,830,294 |
EAU CLAIRE's loan sizing saw the bucket of loans from $100k-200k with 3,770 originations, totaling $557,430,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,667 | $584,615,000 | $219,203 |
| 80-100% | 2,219 | $511,405,000 | $230,466 |
| 40-60% | 1,192 | $187,180,000 | $157,030 |
| 20-40% | 704 | $72,630,000 | $103,168 |
| Under 20% | 640 | $22,170,000 | $34,641 |
| Over 100% | 54 | $22,480,000 | $416,296 |
EAU CLAIRE's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,667 originations, totaling $584,615,000 in origination value.
Market Conditions (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 | $235,950 (4.9%) | $302,134 (6.1%) | 0.87 | 328 |
| 2018-02-01 | $249,850 (4.2%) | $309,500 (2.4%) | 0.90 | 340 |
| 2018-03-01 | $249,900 (3.1%) | $300,467 (-1.9%) | 0.86 | 393 |
| 2018-04-01 | $244,900 (-0.9%) | $291,255 (-9.5%) | 0.82 | 390 |
| 2018-05-01 | $249,900 (-1.6%) | $291,105 (-10.1%) | 0.83 | 414 |
| 2018-06-01 | $269,900 (8.0%) | $314,499 (-0.6%) | 0.90 | 414 |
| 2018-07-01 | $260,400 (0.2%) | $314,534 (0.1%) | 0.87 | 483 |
| 2018-08-01 | $257,450 (-0.7%) | $312,073 (-3.1%) | 0.86 | 550 |
| 2018-09-01 | $249,900 (0.0%) | $308,164 (-1.2%) | 0.84 | 534 |
| 2018-10-01 | $239,900 (0.2%) | $297,382 (-4.5%) | 0.80 | 550 |
| 2018-11-01 | $234,900 (2.6%) | $296,906 (-3.2%) | 0.79 | 500 |
| 2018-12-01 | $239,000 (4.9%) | $300,064 (4.1%) | 0.82 | 407 |
| 2019-01-01 | $244,900 (3.8%) | $307,846 (1.9%) | 0.84 | 380 |
| 2019-02-01 | $256,400 (2.6%) | $326,775 (5.6%) | 0.86 | 366 |
| 2019-03-01 | $262,900 (5.2%) | $339,571 (13.0%) | 0.86 | 356 |
| 2019-04-01 | $262,900 (7.4%) | $339,434 (16.5%) | 0.83 | 370 |
| 2019-05-01 | $257,400 (3.0%) | $325,362 (11.8%) | 0.79 | 393 |
| 2019-06-01 | $249,900 (-7.4%) | $307,893 (-2.1%) | 0.77 | 452 |
| 2019-07-01 | $248,900 (-4.4%) | $308,570 (-1.9%) | 0.77 | 467 |
| 2019-08-01 | $240,943 (-6.4%) | $303,780 (-2.7%) | 0.76 | 525 |
| 2019-09-01 | $234,743 (-6.1%) | $294,703 (-4.4%) | 0.75 | 555 |
| 2019-10-01 | $237,200 (-1.1%) | $297,215 (-0.1%) | 0.76 | 517 |
| 2019-11-01 | $236,900 (0.9%) | $295,065 (-0.6%) | 0.76 | 478 |
| 2019-12-01 | $227,450 (-4.8%) | $301,576 (0.5%) | 0.76 | 416 |
| 2020-01-01 | $231,825 (-5.3%) | $303,898 (-1.3%) | 0.77 | 346 |
| 2020-02-01 | $264,900 (3.3%) | $331,281 (1.4%) | 0.85 | 322 |
| 2020-03-01 | $264,950 (0.8%) | $336,533 (-0.9%) | 0.83 | 353 |
| 2020-04-01 | $267,900 (1.9%) | $325,489 (-4.1%) | 0.83 | 386 |
| 2020-05-01 | $279,900 (8.7%) | $330,875 (1.7%) | 0.85 | 371 |
| 2020-06-01 | $282,450 (13.0%) | $347,064 (12.7%) | 0.82 | 332 |
| 2020-07-01 | $279,900 (12.5%) | $348,672 (13.0%) | 0.80 | 289 |
| 2020-08-01 | $275,000 (14.1%) | $341,911 (12.6%) | 0.79 | 276 |
| 2020-09-01 | $266,400 (13.5%) | $329,193 (11.7%) | 0.76 | 296 |
| 2020-10-01 | $255,000 (7.5%) | $319,677 (7.6%) | 0.73 | 252 |
| 2020-11-01 | $249,450 (5.3%) | $305,771 (3.6%) | 0.71 | 254 |
| 2020-12-01 | $250,000 (9.9%) | $309,486 (2.6%) | 0.73 | 218 |
| 2021-01-01 | $264,900 (14.3%) | $353,668 (16.4%) | 0.78 | 157 |
| 2021-02-01 | $278,650 (5.2%) | $384,034 (15.9%) | 0.80 | 149 |
| 2021-03-01 | $273,950 (3.4%) | $432,691 (28.6%) | 0.77 | 133 |
| 2021-04-01 | $279,950 (4.5%) | $429,651 (32.0%) | 0.75 | 137 |
| 2021-05-01 | $279,000 (-0.3%) | $386,014 (16.7%) | 0.73 | 160 |
| 2021-06-01 | $287,400 (1.8%) | $383,030 (10.4%) | 0.75 | 187 |
| 2021-07-01 | $312,400 (11.6%) | $366,279 (5.1%) | 0.81 | 216 |
| 2021-08-01 | $269,900 (-1.9%) | $322,773 (-5.6%) | 0.71 | 557 |
| 2021-09-01 | $263,725 (-1.0%) | $318,326 (-3.3%) | 0.69 | 525 |
| 2021-10-01 | $262,000 (2.8%) | $317,962 (-0.5%) | 0.69 | 521 |
| 2021-11-01 | $284,900 (14.2%) | $371,178 (21.4%) | 0.75 | 227 |
| 2021-12-01 | $292,500 (17.0%) | $369,983 (19.6%) | 0.78 | 196 |
| 2022-01-01 | $298,900 (12.8%) | $363,239 (2.7%) | 0.80 | 145 |
| 2022-02-01 | $324,900 (16.6%) | $409,388 (6.6%) | 0.83 | 125 |
| 2022-03-01 | $341,400 (24.6%) | $442,699 (2.3%) | 0.84 | 127 |
| 2022-04-01 | $319,900 (14.3%) | $403,234 (-6.2%) | 0.75 | 143 |
| 2022-05-01 | $329,450 (18.1%) | $402,933 (4.4%) | 0.74 | 183 |
EAU CLAIRE's median listing price for 2022-05-01 was $329,450, a difference of
$50,450
(18.1%) versus the prior year and
$9,550 versus the prior month.
EAU CLAIRE's median listing price comes in at 74% of the national average.
EAU CLAIRE's average listing price for 2022-05-01 was $402,933, a difference of $16,919 (4.4%) versus the prior year and $-301 versus the prior month.
For the 2022-05-01 period, EAU CLAIRE had 183 MLS listings, a difference of 40 listings (28%) versus the prior month and 23 listings (14%) versus the prior year.
EAU CLAIRE's median listing price comes in at 74% of the national average.
EAU CLAIRE's average listing price for 2022-05-01 was $402,933, a difference of $16,919 (4.4%) versus the prior year and $-301 versus the prior month.
For the 2022-05-01 period, EAU CLAIRE had 183 MLS listings, a difference of 40 listings (28%) versus the prior month and 23 listings (14%) 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 | 129 days | 2,032 sqft |
| 2018-02-01 | 115 days | 2,022 sqft |
| 2018-03-01 | 46 days | 2,072 sqft |
| 2018-04-01 | 48 days | 2,100 sqft |
| 2018-05-01 | 56 days | 2,037 sqft |
| 2018-06-01 | 55 days | 2,072 sqft |
| 2018-07-01 | 51 days | 2,132 sqft |
| 2018-08-01 | 52 days | 2,124 sqft |
| 2018-09-01 | 61 days | 2,033 sqft |
| 2018-10-01 | 66 days | 2,029 sqft |
| 2018-11-01 | 74 days | 1,925 sqft |
| 2018-12-01 | 94 days | 1,900 sqft |
| 2019-01-01 | 104 days | 1,896 sqft |
| 2019-02-01 | 100 days | 2,046 sqft |
| 2019-03-01 | 84 days | 2,095 sqft |
| 2019-04-01 | 64 days | 2,070 sqft |
| 2019-05-01 | 46 days | 1,937 sqft |
| 2019-06-01 | 43 days | 1,920 sqft |
| 2019-07-01 | 50 days | 1,911 sqft |
| 2019-08-01 | 56 days | 1,809 sqft |
| 2019-09-01 | 57 days | 1,777 sqft |
| 2019-10-01 | 58 days | 1,782 sqft |
| 2019-11-01 | 65 days | 1,750 sqft |
| 2019-12-01 | 78 days | 1,739 sqft |
| 2020-01-01 | 91 days | 1,742 sqft |
| 2020-02-01 | 94 days | 1,850 sqft |
| 2020-03-01 | 58 days | 1,983 sqft |
| 2020-04-01 | 55 days | 1,984 sqft |
| 2020-05-01 | 55 days | 2,033 sqft |
| 2020-06-01 | 64 days | 2,073 sqft |
| 2020-07-01 | 69 days | 2,022 sqft |
| 2020-08-01 | 51 days | 2,064 sqft |
| 2020-09-01 | 36 days | 1,965 sqft |
| 2020-10-01 | 43 days | 1,900 sqft |
| 2020-11-01 | 50 days | 1,811 sqft |
| 2020-12-01 | 65 days | 1,802 sqft |
| 2021-01-01 | 78 days | 1,854 sqft |
| 2021-02-01 | 78 days | 1,953 sqft |
| 2021-03-01 | 47 days | 1,867 sqft |
| 2021-04-01 | 31 days | 1,820 sqft |
| 2021-05-01 | 24 days | 1,700 sqft |
| 2021-06-01 | 33 days | 1,707 sqft |
| 2021-07-01 | 30 days | 1,837 sqft |
| 2021-08-01 | 39 days | 1,801 sqft |
| 2021-09-01 | 43 days | 1,808 sqft |
| 2021-10-01 | 43 days | 1,794 sqft |
| 2021-11-01 | 58 days | 1,732 sqft |
| 2021-12-01 | 57 days | 1,752 sqft |
| 2022-01-01 | 65 days | 1,695 sqft |
| 2022-02-01 | 66 days | 1,705 sqft |
| 2022-03-01 | 36 days | 1,819 sqft |
| 2022-04-01 | 24 days | 1,896 sqft |
| 2022-05-01 | 26 days | 2,041 sqft |
EAU CLAIRE's median listing age (time on market) for 2022-05-01 was 26 days.
This
is 8%
longer
than the same period one year ago.
EAU CLAIRE's median square footage for active listings during the 2022-05-01 period was 2,041 sqft. One year prior, the average listing was 1,700 sqft.
EAU CLAIRE's median square footage for active listings during the 2022-05-01 period was 2,041 sqft. One year prior, the average listing was 1,700 sqft.
