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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Royal Credit Union 1,138 3.00% $80
WESTconsin Credit Union 205 3.22% $2,857
QUICKEN LOANS, LLC 171 3.16% $4,537
U.S. Bank 142 3.05% $2,358
Citizens Community Federal 135 3.09% $2,721
Associated Bank 105 3.08% $2,028
Wells Fargo Bank 90 3.11% $3,252
Bremer Bank 89 3.15% $2,708
Security Financial Bank 65 3.14% $1,932
FINANCE OF AMERICA MORTGAGE LLC 58 3.19% $3,642
Prevail Bank 55 2.77% $1,929
PRIMELENDING, A PLAINSCAPITAL COMPANY 51 3.26% $2,995
Bankers' Bank 41 2.86% $2,958
American Mortgage & Equity Consultants, Inc. 40 3.10% $3,361
CO-OP Credit Union 34 3.36% $1,714
WNB Financial, N.A. 30 3.15% $3,456
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 30 3.11% $2,946
UNITED WHOLESALE MORTGAGE, LLC 29 3.08% $2,460
Merchants Bank 28 3.04% $1,699
Citizens State Bank of La Crosse 26 3.37% $2,001
Prosperity Home Mortgage, LLC 26 3.23% $3,260
Forward Bank 25 3.12% $2,010
LOANDEPOT.COM, LLC 25 3.22% $4,973
CROSSCOUNTRY MORTGAGE, LLC 24 3.07% $3,566
MARINE 22 8.32% $5,135
Frandsen Bank & Trust 21 3.08% $2,274
Flagstar Bank, FSB 19 3.27% $3,255
COMPEER FINANCIAL, FLCA 18 3.56% $2,834
BETTER MORTGAGE CORPORATION 18 2.86% $2,487
Barrington Bank & Trust Company, N.A. 17 3.14% $3,970
AMERISAVE MORTGAGE CORPORATION 16 2.94% $5,306
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 16 3.43% $3,542
Mr. Cooper ( Nationstar Mortgage ) 15 3.44% $4,727
INLANTA MORTGAGE, INC. 14 3.18% $2,525
Plains Commerce Bank 13 3.18% $3,658
BMO Harris Bank 12 3.29% $2,950
PARKSIDE LENDING, LLC 12 2.99% $3,148
JPMorgan Chase Bank 11 3.01% $3,937
Bank Five Nine 11 3.09% $2,016
Johnson Bank 9 3.10% $2,605
CALIBER HOME LOANS, INC. 9 3.09% $2,754
UNION HOME MORTGAGE CORP. 9 3.14% $2,724
GUARANTEED RATE, INC. 8 3.09% $3,069
BROKER SOLUTIONS, INC. 8 3.00% $3,636
LEADERONE FINANCIAL CORPORATION 8 3.00% $3,254
LAND HOME FINANCIAL SERVICES, INC. 8 3.30% $3,719
University of Wisconsin Credit Union 8 2.89% $2,279
NAVY FEDERAL CREDIT UNION 7 3.57% $2,481
CHERRY CREEK MORTGAGE, LLC 7 3.70% $842
KELLER MORTGAGE, LLC 7 3.20% $2,255
HERITAGE CREDIT UNION 7 3.23% $1,579
Bell Bank 7 2.92% $3,589
NEWREZ LLC 6 3.12% $2,812
FREEDOM MORTGAGE CORPORATION 6 3.33% $2,696
Alerus Financial 5 3.03% $1,853
Servion, Inc. 5 3.23% $3,155
Summit Credit Union 5 2.90% $2,344
PENNYMAC LOAN SERVICES, LLC 5 3.40% $4,438
AbbyBank 5 2.83% $2,320
AMERICAN FINANCING CORPORATION 5 3.15% $3,326
First Federal Bank 5 3.10% $2,332
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 5 3.25% $1,797
CMG MORTGAGE, INC. 5 3.30% $3,390
ALTRA 5 3.22% $1,762
HOMESTEAD FUNDING CORP. 4 2.78% $3,783
SUPERIOR CHOICE 4 3.03% $3,112
Lend Smart Mortgage, LLC 4 3.19% $2,603
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.31% $3,572
Nicolet National Bank 4 3.03% $2,901
Mortgages Unlimited Inc. 3 3.04% $6,585
Old National Bank 3 3.46% $1,730
CoVantage Credit Union 3 2.87% $2,069
RESIDENTIAL BANCORP. 3 2.92% $4,490
Bank First, N.A. 3 3.04% $2,110
ROYAL UNITED MORTGAGE LLC 3 3.25% $5,686
The Huntington National Bank 3 3.07% $2,038
Tradition Mortgage, LLC 3 3.04% $2,143
Waterstone Mortgage Corporation 3 3.50% $3,655
AMERICAN INTERNET MORTGAGE, INC. 3 2.75% $2,997
Hometown Lenders, Inc. 3 3.42% $3,714
Ixonia Bank 3 3.04% $2,876
CHURCHILL MORTGAGE CORPORATION 3 3.17% $2,981
MAYO EMPLOYEES FEDERAL CREDIT UNION 3 3.25% $5,718
Mortgage Research Center, LLC 3 2.79% $4,488
Waukesha State Bank 2 3.88% $2,135
Nations Lending Corporation 2 3.25% $5,619
BAY EQUITY LLC 2 3.38% $3,168
Carrington Mortgage Services, LLC 2 3.50% $3,946
TOWNE MORTGAGE COMPANY 2 3.88% $3,379
TOTAL MORTGAGE SERVICES, LLC 2 3.31% $3,144
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.31% $3,530
Paramount Bank 2 2.88% $2,759
Think Mutual Bank 2 3.13% $2,557
EVERETT FINANCIAL, INC. 2 3.44% $1,188
Baxter Credit Union 2 3.00% $3,656
Ally Bank 2 2.88% $2,041
ENVOY MORTGAGE, LTD 2 3.50% $3,565
Stifel Bank and Trust 2 2.81% $2,077
Bank of England 2 3.19% $2,818
RUOFF MORTGAGE COMPANY, INC. 2 3.06% $2,728
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.44% $2,772
DAS Acquisition Company, LLC 2 3.13% $8,242
Arvest Bank 2 2.94% $2,502
Paramount Residential Mortgage Group, Inc. 2 2.88% $3,976
GSF Mortgage Corporation 2 3.18% $2,665
HIWAY 2 3.06% $3,664
WINGS FINANCIAL 2 2.88% $2,232
HOME POINT FINANCIAL CORPORATION 2 3.12% $1,767
CAPITAL Credit Union 2 2.88% $1,721
ZILLOW HOME LOANS, LLC 1 3.00% $2,866
Alliance Bank 1 3.00% $3,310
ALLIANT CREDIT UNION 1 2.75% $3,718
AMERICAN FINANCIAL NETWORK, INC. 1 3.13% $3,938
Auto Club Trust, FSB 1 3.13% $2,191
AXIA FINANCIAL, LLC 1 3.25% $3,081
Bank of America 1 3.13% $1,872
BAYSHORE MORTGAGE FUNDING, LLC 1 3.63% $6,535
Blackhawk Bank 1 3.63% $3,109
Cambria Financial Group, LLC 1 2.75% $2,630
Chicago Mortgage Solutions LLC 1 3.00% $1,790
Citibank 1 2.88% $3,802
CITIZENS EQUITY FIRST 1 3.38% $1,898
CITYWIDE HOME LOANS, LLC 1 3.13% $2,367
Community First Credit Union 1 3.38% $2,264
CRESCENT MORTGAGE COMPANY 1 3.13% $4,352
Deere Employees Credit Union 1 3.38% $3,110
Deerwood Bank 1 3.00% $1,952
DMB Community Bank 1 2.88% $1,180
DRAPER AND KRAMER MORTGAGE CORP. 1 2.75% $3,488
EMBRACE HOME LOANS, INC. 1 3.50% $2,607
EMM LOANS LLC 1 3.38% $4,743
EVANSVILLE TEACHERS 1 2.63% $3,184
Fifth Third Bank 1 2.88% $2,227
FirstBank 1 3.63% $3,712
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.75% $1,750
First Guaranty Mortgage Corporation 1 2.88% $3,866
First National Bank 1 2.38% $3,341
First Western Trust Bank 1 3.25% $4,581
Goldwater Bank, N.A. 1 3.38% $6,584
Great Midwest Bank, S.S.B. 1 3.00% $865
GUILD MORTGAGE COMPANY 1 3.99% $5,159
Home Federal Savings Bank 1 3.00% $1,700
HOMESIDE FINANCIAL, LLC 1 3.38% $6,332
Horicon Bank 1 3.25% $1,179
IDEAL 1 3.50% $3,240
IncredibleBank 1 2.88% $2,009
INTERCAP LENDING INC. 1 2.88% $2,652
LAKEVIEW LOAN SERVICING, LLC 1 3.88% $1,372
Landmark Credit Union 1 3.13% $1,354
LENDERFI, INC. 1 3.00% $1,738
Manufacturers and Traders Trust Company 1 3.13% $3,078
Midwest Heritage Bank FSB 1 3.25% $2,383
Mound City Bank 1 2.75% $2,126
National Exchange Bank and Trust 1 2.88% $1,210
Northpointe Bank 1 3.25% $2,387
North Shore Bank FSB 1 3.25% $1,843
NORWICH COMMERCIAL GROUP, INC. 1 3.13% $6,341
Oregon Community Bank 1 3.13% $3,323
PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,184
PLANET HOME LENDING, LLC 1 2.88% $3,458
PNC Bank 1 2.88% $1,964
RESULTS MORTGAGE, LLC 1 3.38% $3,648
ROSS MORTGAGE CORPORATION 1 2.88% $2,174
SIRVA MORTGAGE, INC. 1 2.88% $0
SOFI LENDING CORP. 1 2.50% $4,953
State Bank of Cross Plains 1 3.00% $1,355
TCF National Bank 1 2.75% $2,596
Texana Bank 1 3.25% $2,779
The Bank of Kaukauna 1 4.25% $1,699
The Park Bank 1 3.38% $2,778
THOMPSON KANE & COMPANY, LLC 1 2.63% $825
VAN DYK MORTGAGE CORPORATION 1 2.75% $2,299

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.

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.