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
6.51%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.91% and
one month ago for the week of 2025-05-29, the
average rate was 6.93%.
Eau Claire's average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.33%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Eau Claire 30 Year Fixed Rate | 2025-07-03 | 6.51% |
| Eau Claire 30 Year Fixed Rate Refi | 2025-07-03 | 7.33% |
| Eau Claire 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Eau Claire 15 Year Fixed Rate Refi | 2025-07-03 | 5.9% |
| Eau Claire 30 Year FHA | 2025-07-03 | 0.19% |
| Eau Claire 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Eau Claire 30 Year USDA | 2025-07-03 | -0.1% |
| Eau Claire 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Eau Claire 30 Year VA | 2025-07-03 | 0.37% |
| Eau Claire 30 Year VA Refi | 2025-07-03 | -0.2% |
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 117 lenders originated 3,612
loans during 2024. The total origination value was $799,470,000, with an average loan value of
$221,337.
EAU CLAIRE's average closing costs are $3,260.
The top EAU CLAIRE lender as defined by loan originations is Royal Credit Union, with
470 loans originated. Their average total fees are
$994, which is $5,372
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee EAU CLAIRE lenders (with over 10 loans originated) are
Royal Credit Union ($994), CO-OP Credit Union ($1,541), Prevail Bank ($2,425), Associated Bank ($2,492) and Nicolet National Bank ($3,256).
The lowest rate EAU CLAIRE lenders (with over 10 loans originated) are
Associated Bank (6.47%), U.S. Bank (6.48%), LOANDEPOT.COM, LLC (6.52%), JPMorgan Chase Bank (6.61%) and CO-OP Credit Union (6.65%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Royal Credit Union | $221,700,000 | $226,415,000 | 2.1% | 28.3% |
| Nicolet National Bank | $32,565,000 | $52,155,000 | 60.2% | 6.5% |
| WESTconsin Credit Union | $40,495,000 | $35,780,000 | -11.6% | 4.5% |
| QUICKEN LOANS, LLC | $17,505,000 | $34,895,000 | 99.3% | 4.4% |
| Northwestern Bank | $21,650,000 | $24,890,000 | 15.0% | 3.1% |
| U.S. Bank | $20,600,000 | $23,535,000 | 14.2% | 2.9% |
| Associated Bank | $23,605,000 | $22,290,000 | -5.6% | 2.8% |
| Frandsen Bank & Trust | $21,035,000 | $18,295,000 | -13.0% | 2.3% |
| National Bank of Commerce | $18,635,000 | $18,005,000 | -3.4% | 2.3% |
| Citizens Community Federal | $29,440,000 | $17,625,000 | -40.1% | 2.2% |
| Security Financial Bank | $13,380,000 | $16,755,000 | 25.2% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,475,000 | $15,555,000 | 48.5% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,710,000 | $13,425,000 | 38.3% | 1.7% |
| Citizens State Bank | $11,505,000 | $13,220,000 | 14.9% | 1.7% |
| Mortgage Research Center, LLC | $10,015,000 | $11,720,000 | 17.0% | 1.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $8,380,000 | $10,100,000 | 20.5% | 1.3% |
| UNION HOME MORTGAGE CORP. | $4,255,000 | $8,830,000 | 107.5% | 1.1% |
| MARINE | $5,530,000 | $8,570,000 | 55.0% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,100,000 | $8,225,000 | 1.5% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $1,255,000 | $7,780,000 | 519.9% | 1.0% |
| Security Bank | $5,980,000 | $7,720,000 | 29.1% | 1.0% |
| Prosperity Home Mortgage, LLC | $4,400,000 | $7,630,000 | 73.4% | 1.0% |
| WALKER & DUNLOP, LLC | $7,215,000 | n/a | 0.9% | |
| LOANDEPOT.COM, LLC | $3,695,000 | $6,540,000 | 77.0% | 0.8% |
| GUARANTEED RATE, INC. | $2,415,000 | $5,875,000 | 143.3% | 0.7% |
| Alerus Financial | $5,850,000 | n/a | 0.7% | |
| Florida Capital Bank | $2,560,000 | $5,700,000 | 122.7% | 0.7% |
| Bremer Bank | $5,800,000 | $5,150,000 | -11.2% | 0.6% |
| Prevail Bank | $7,410,000 | $5,110,000 | -31.0% | 0.6% |
| COMPEER FINANCIAL, FLCA | $4,735,000 | $4,965,000 | 4.9% | 0.6% |
| BMO Harris Bank | $8,110,000 | $4,800,000 | -40.8% | 0.6% |
| Barrington Bank & Trust Company, N.A. | $3,455,000 | $4,170,000 | 20.7% | 0.5% |
| Wells Fargo Bank | $5,545,000 | $4,105,000 | -26.0% | 0.5% |
| CO-OP Credit Union | $6,890,000 | $4,005,000 | -41.9% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $5,255,000 | $3,995,000 | -24.0% | 0.5% |
| First Federal Bank | $2,235,000 | $3,535,000 | 58.2% | 0.4% |
| JPMorgan Chase Bank | $1,390,000 | $3,390,000 | 143.9% | 0.4% |
| The Huntington National Bank | $2,235,000 | $3,315,000 | 48.3% | 0.4% |
| USAA Federal Savings Bank | $2,170,000 | $3,275,000 | 50.9% | 0.4% |
| BAY EQUITY LLC | $175,000 | $3,055,000 | 1,645.7% | 0.4% |
| Forward Bank | $2,325,000 | $3,040,000 | 30.8% | 0.4% |
| Old National Bank | $580,000 | $3,030,000 | 422.4% | 0.4% |
| Citizens State Bank of La Crosse | $6,315,000 | $2,780,000 | -56.0% | 0.3% |
| Bell Bank | $3,060,000 | $2,765,000 | -9.6% | 0.3% |
| Merchants Bank | $22,890,000 | $2,700,000 | -88.2% | 0.3% |
| Dairy State Bank | $2,100,000 | $2,595,000 | 23.6% | 0.3% |
| WNB Financial, N.A. | $7,835,000 | $2,550,000 | -67.5% | 0.3% |
| NEWREZ LLC | $1,000,000 | $2,435,000 | 143.5% | 0.3% |
| PLANET HOME LENDING, LLC | $2,335,000 | n/a | 0.3% | |
| Ixonia Bank | $330,000 | $2,300,000 | 597.0% | 0.3% |
| University of Wisconsin Credit Union | $2,375,000 | $2,060,000 | -13.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $25,000 | $2,040,000 | 8,060.0% | 0.3% |
| Tradition Mortgage, LLC | $585,000 | $2,020,000 | 245.3% | 0.3% |
| ENVOY MORTGAGE, LTD | $365,000 | $2,000,000 | 447.9% | 0.3% |
| AMERICAN FINANCING CORPORATION | $600,000 | $1,945,000 | 224.2% | 0.2% |
| Johnson Bank | $2,190,000 | $1,745,000 | -20.3% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $3,795,000 | $1,720,000 | -54.7% | 0.2% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $2,135,000 | $1,710,000 | -19.9% | 0.2% |
| SUPERIOR CHOICE | $1,950,000 | $1,710,000 | -12.3% | 0.2% |
| ALTRA | $1,670,000 | $1,605,000 | -3.9% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,540,000 | n/a | 0.2% | |
| Summit Credit Union | $3,135,000 | $1,445,000 | -53.9% | 0.2% |
| Carrington Mortgage Services, LLC | $120,000 | $1,375,000 | 1,045.8% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $175,000 | $1,290,000 | 637.1% | 0.2% |
| CARDINAL FINANCIAL | $3,025,000 | $1,265,000 | -58.2% | 0.2% |
| Bank First, N.A. | $1,230,000 | $1,260,000 | 2.4% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $1,200,000 | n/a | 0.2% | |
| LAKE MICHIGAN CREDIT UNION | $2,920,000 | $1,175,000 | -59.8% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $370,000 | $1,140,000 | 208.1% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,860,000 | $1,065,000 | -42.7% | 0.1% |
| Discover Bank | $525,000 | $1,015,000 | 93.3% | 0.1% |
| Chippewa Valley Bank | $555,000 | $1,000,000 | 80.2% | 0.1% |
| First National Community Bank | $1,000,000 | n/a | 0.1% | |
| Figure Lending LLC | $300,000 | $980,000 | 226.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $840,000 | $925,000 | 10.1% | 0.1% |
| Bankers' Bank | $430,000 | $920,000 | 114.0% | 0.1% |
| Think Mutual Bank | $385,000 | $910,000 | 136.4% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $350,000 | $905,000 | 158.6% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $905,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $880,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $305,000 | $845,000 | 177.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $330,000 | $835,000 | 153.0% | 0.1% |
| Servion, Inc. | $495,000 | $830,000 | 67.7% | 0.1% |
| Ally Bank | $650,000 | $825,000 | 26.9% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $770,000 | $810,000 | 5.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $870,000 | $800,000 | -8.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $1,750,000 | $800,000 | -54.3% | 0.1% |
| Flagstar Bank, FSB | $730,000 | $775,000 | 6.2% | 0.1% |
| The Central Trust Bank | $755,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $360,000 | $735,000 | 104.2% | 0.1% |
| Raymond James Bank | $660,000 | n/a | 0.1% | |
| Minnwest Bank | $205,000 | $650,000 | 217.1% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $635,000 | n/a | 0.1% | |
| Sound Community Bank | $635,000 | n/a | 0.1% | |
| AbbyBank | $315,000 | $625,000 | 98.4% | 0.1% |
| Citibank | $625,000 | n/a | 0.1% | |
| RESIDENTIAL BANCORP | $620,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $490,000 | $615,000 | 25.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $850,000 | $615,000 | -27.6% | 0.1% |
| IDEAL | $195,000 | $595,000 | 205.1% | 0.1% |
| Baxter Credit Union | $615,000 | $580,000 | -5.7% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $535,000 | $565,000 | 5.6% | 0.1% |
| EDUCATORS CREDIT UNION | $255,000 | $565,000 | 121.6% | 0.1% |
| Peoples State Bank of Plainview | $795,000 | $535,000 | -32.7% | 0.1% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $65,000 | $535,000 | 723.1% | 0.1% |
| Texana Bank | $520,000 | n/a | 0.1% | |
| IncredibleBank | $510,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $25,000 | $505,000 | 1,920.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $740,000 | $505,000 | -31.8% | 0.1% |
| Connexus Credit Union | $275,000 | $495,000 | 80.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,005,000 | $490,000 | -51.2% | 0.1% |
| The Federal Savings Bank | $270,000 | $450,000 | 66.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $205,000 | $435,000 | 112.2% | 0.1% |
| Taylor Credit Union | $435,000 | n/a | 0.1% | |
| Nations Lending Corporation | $810,000 | $430,000 | -46.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $420,000 | n/a | 0.1% | |
| CoVantage Credit Union | $1,295,000 | $420,000 | -67.6% | 0.1% |
| WINGS FINANCIAL | $135,000 | $420,000 | 211.1% | 0.1% |
| LENDSURE MORTGAGE CORP. | $415,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $115,000 | $400,000 | 247.8% | 0.1% |
| Waukesha State Bank | $395,000 | n/a | 0.0% | |
| Bank of America | $310,000 | $385,000 | 24.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $430,000 | $385,000 | -10.5% | 0.0% |
| Morgan Stanley Private Bank | $385,000 | n/a | 0.0% | |
| DMB Community Bank | $395,000 | $380,000 | -3.8% | 0.0% |
| HOMESTEAD FUNDING CORP. | $155,000 | $380,000 | 145.2% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $375,000 | n/a | 0.0% | |
| NBKC BANK | $375,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $2,030,000 | $375,000 | -81.5% | 0.0% |
| DUPACO COMMUNITY | $515,000 | $365,000 | -29.1% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $355,000 | n/a | 0.0% | |
| Bank Five Nine | $340,000 | $345,000 | 1.5% | 0.0% |
| Home State Bank | $335,000 | n/a | 0.0% | |
| Bluff View Bank | $325,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $435,000 | $315,000 | -27.6% | 0.0% |
| Gulf Coast Bank and Trust Company | $315,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $335,000 | $315,000 | -6.0% | 0.0% |
| ZILLOW HOME LOANS, LLC | $640,000 | $315,000 | -50.8% | 0.0% |
| Granite Community Bank | $295,000 | n/a | 0.0% | |
| Plains Commerce Bank | $295,000 | n/a | 0.0% | |
| AgCountry Farm Credit Services, FLCA | $305,000 | $290,000 | -4.9% | 0.0% |
| Fortifi Bank | $285,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $65,000 | $285,000 | 338.5% | 0.0% |
| A + MORTGAGE SERVICES, INC. | $275,000 | $275,000 | 0.0% | 0.0% |
| State Bank Financial | $145,000 | $275,000 | 89.7% | 0.0% |
| Wintrust Bank, N.A. | $275,000 | n/a | 0.0% | |
| Bankers Trust Company | $255,000 | n/a | 0.0% | |
| Magnolia Bank | $255,000 | n/a | 0.0% | |
| American Bank and Trust Company | $710,000 | $245,000 | -65.5% | 0.0% |
| CMG MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $245,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL | $245,000 | n/a | 0.0% | |
| FOX COMMUNITIES | $240,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $235,000 | n/a | 0.0% | |
| Gate City Bank | $235,000 | n/a | 0.0% | |
| LOANPAL, LLC | $235,000 | n/a | 0.0% | |
| Coulee Bank | $245,000 | $225,000 | -8.2% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $225,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| Union State Bank of Fargo | $215,000 | n/a | 0.0% | |
| SPIRE Credit Union | $710,000 | $210,000 | -70.4% | 0.0% |
| North American Savings Bank, F.S.B. | $265,000 | $205,000 | -22.6% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $95,000 | $205,000 | 115.8% | 0.0% |
| The Bank of Kaukauna | $205,000 | n/a | 0.0% | |
| Waldo State Bank | $205,000 | n/a | 0.0% | |
| First Community Credit Union | $195,000 | n/a | 0.0% | |
| First State Bank and Trust | $195,000 | n/a | 0.0% | |
| M&T Bank | $195,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $185,000 | n/a | 0.0% | |
| Platinum Bank | $185,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $85,000 | $185,000 | 117.6% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $65,000 | $180,000 | 176.9% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $175,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $165,000 | n/a | 0.0% | |
| The First National Bank of River Falls | $195,000 | $155,000 | -20.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| Community First Credit Union | $105,000 | $150,000 | 42.9% | 0.0% |
| DAS Acquisition Company, LLC | $245,000 | $145,000 | -40.8% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| Coastal Community Bank | $395,000 | $130,000 | -67.1% | 0.0% |
| AFFINITY PLUS | $720,000 | $125,000 | -82.6% | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| PNC Bank | $1,025,000 | $125,000 | -87.8% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $470,000 | $125,000 | -73.4% | 0.0% |
| GREENSTATE CREDIT UNION | $55,000 | $120,000 | 118.2% | 0.0% |
| First State Bank of St. Charles, Missouri | $105,000 | n/a | 0.0% | |
| Unity Bank | $490,000 | $90,000 | -81.6% | 0.0% |
| Blackhawk Community Credit Union | $335,000 | $85,000 | -74.6% | 0.0% |
| Peoples State Bank | $840,000 | $85,000 | -89.9% | 0.0% |
| R.I.A. Federal Credit Union | $75,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $75,000 | n/a | 0.0% | |
| COLORADO CREDIT UNION | $55,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $55,000 | n/a | 0.0% | |
| VERVE, A CREDIT UNION | $205,000 | $45,000 | -78.0% | 0.0% |
| First American Bank | $55,000 | $35,000 | -36.4% | 0.0% |
| The First National Bank of Bangor | $35,000 | n/a | 0.0% | |
| Park City Credit Union | $25,000 | n/a | 0.0% | |
| The First National Bank and Trust Company | $145,000 | $15,000 | -89.7% | 0.0% |
EAU CLAIRE's top lender by overall market share is Royal Credit Union, with 28.3% market share. In second place, with 6.5%, is Nicolet National Bank, having originated $52,155,000 in loans. In third place, with 4.5%, is WESTconsin Credit Union, having originated $35,780,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $34,895,000 in loans. In fifth place, with 3.1%, is Northwestern Bank, having originated $24,890,000 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%) | 0.88 | 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%) | 0.84 | 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%) | 0.85 | 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%) | 0.82 | 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%) | 0.78 | 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%) | 0.76 | 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%) | 0.82 | 114 |
| 2022-03-01 | $326,900 (22.8%) | $400,242 (5.1%) | 0.82 | 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%) | 0.89 | 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%) | 0.86 | 275 |
| 2023-11-01 | $383,700 (7.4%) | $455,640 (12.4%) | 0.91 | 245 |
| 2023-12-01 | $389,950 (8.4%) | $456,110 (12.4%) | 0.95 | 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%) | 0.88 | 237 |
| 2024-06-01 | $389,900 (2.0%) | $478,037 (5.9%) | 0.89 | 272 |
| 2024-07-01 | $373,400 (-4.8%) | $470,107 (0.4%) | 0.85 | 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%) | 0.86 | 285 |
| 2025-01-01 | $357,425 (-10.6%) | $426,868 (-8.8%) | 0.89 | 257 |
| 2025-02-01 | $369,950 (-7.5%) | $444,482 (-6.1%) | 0.90 | 233 |
| 2025-03-01 | $386,900 (-3.3%) | $458,619 (-1.3%) | 0.91 | 230 |
| 2025-04-01 | $381,900 (-2.9%) | $455,947 (-2.9%) | 0.89 | 244 |
| 2025-05-01 | $375,000 (-2.6%) | $450,453 (-3.3%) | 0.85 | 277 |
EAU CLAIRE's median listing price for 2025-05-01 was $375,000, a difference of
$-9,950
(-2.6%) versus the prior year and
$-6,900 versus the prior month.
EAU CLAIRE's median listing price comes in at 85% of the national average.
EAU CLAIRE's average listing price for 2025-05-01 was $450,453, a difference of $-15,301 (-3.3%) versus the prior year and $-5,494 versus the prior month.
For the 2025-05-01 period, EAU CLAIRE had 277 MLS listings, a difference of 33 listings (14%) versus the prior month and 40 listings (17%) versus the prior year.
EAU CLAIRE's median listing price comes in at 85% of the national average.
EAU CLAIRE's average listing price for 2025-05-01 was $450,453, a difference of $-15,301 (-3.3%) versus the prior year and $-5,494 versus the prior month.
For the 2025-05-01 period, EAU CLAIRE had 277 MLS listings, a difference of 33 listings (14%) versus the prior month and 40 listings (17%) 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 | 101 days | 1,963 sqft |
| 2018-03-01 | 40 days | 2,020 sqft |
| 2018-04-01 | 45 days | 2,080 sqft |
| 2018-05-01 | 53 days | 2,040 sqft |
| 2018-06-01 | 50 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 | 97 days | 1,807 sqft |
| 2019-02-01 | 92 days | 1,949 sqft |
| 2019-03-01 | 69 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 | 58 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 | 32 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 | 52 days | 1,855 sqft |
| 2021-03-01 | 31 days | 1,800 sqft |
| 2021-04-01 | 25 days | 1,797 sqft |
| 2021-05-01 | 17 days | 1,672 sqft |
| 2021-06-01 | 26 days | 1,679 sqft |
| 2021-07-01 | 25 days | 1,707 sqft |
| 2021-08-01 | 30 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 | 38 days | 1,732 sqft |
| 2022-04-01 | 23 days | 1,825 sqft |
| 2022-05-01 | 22 days | 2,047 sqft |
| 2022-06-01 | 28 days | 2,084 sqft |
| 2022-07-01 | 30 days | 1,952 sqft |
| 2022-08-01 | 42 days | 2,136 sqft |
| 2022-09-01 | 52 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 | 80 days | 2,022 sqft |
| 2024-01-01 | 100 days | 2,005 sqft |
| 2024-02-01 | 84 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 | 89 days | 1,994 sqft |
| 2025-02-01 | 79 days | 2,036 sqft |
| 2025-03-01 | 46 days | 2,022 sqft |
| 2025-04-01 | 42 days | 2,129 sqft |
| 2025-05-01 | 42 days | 2,118 sqft |
EAU CLAIRE's median listing age (time on market) for 2025-05-01 was 42 days.
This
is 36%
longer
than the same period one year ago.
EAU CLAIRE's median square footage for active listings during the 2025-05-01 period was 2,118 sqft. One year prior, the average listing was 2,025 sqft.
EAU CLAIRE's median square footage for active listings during the 2025-05-01 period was 2,118 sqft. One year prior, the average listing was 2,025 sqft.
EAU CLAIRE, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,862 | $567,880,000 | $304,984 |
| Home Improvement | 575 | $45,385,000 | $78,930 |
| Other | 432 | $39,280,000 | $90,926 |
| Cash Out Refi | 429 | $76,055,000 | $177,284 |
| Refi | 314 | $70,870,000 | $225,701 |
Eau Claire's most frequently cited loan purpose was Home Purchase, with 1,862 originations. The 2nd most popular reason was Home Improvement, with 575 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,374 | $364,950,000 | $265,611 |
| Over 8% | 965 | $87,565,000 | $90,741 |
| 7-8% | 676 | $174,340,000 | $257,899 |
| 5-6% | 295 | $95,305,000 | $323,068 |
| <2.5% | 15 | $1,775,000 | $118,333 |
| 4-5% | 7 | $2,045,000 | $292,143 |
| 2.5-3% | 4 | $730,000 | $182,500 |
| 3-4% | 2 | $400,000 | $200,000 |
During 2024, Eau Claire's most frequently originated rate bucket was 6-7%, with 1,374 originations.
Loan Sizing (EAU CLAIRE, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,301 | $357,635,000 | $274,892 |
| $100,000 or less | 1,100 | $58,220,000 | $52,927 |
| $100k-200k | 896 | $134,820,000 | $150,469 |
| $400k-600k | 214 | $101,170,000 | $472,757 |
| $600k-1000k | 78 | $56,040,000 | $718,462 |
| $Over $1MM | 23 | $91,585,000 | $3,981,957 |
EAU CLAIRE's loan sizing saw the bucket of loans from $200k-400k with 1,301 originations, totaling $357,635,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,091 | $313,665,000 | $287,502 |
| 60-80% | 704 | $224,110,000 | $318,338 |
| Under 20% | 607 | $27,745,000 | $45,708 |
| 20-40% | 588 | $74,310,000 | $126,378 |
| 40-60% | 294 | $71,980,000 | $244,830 |
| Over 100% | 20 | $7,410,000 | $370,500 |
EAU CLAIRE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,091 originations, totaling $313,665,000 in origination value.