EAU CLAIRE Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Eau Claire averaged 6.59% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.48% and one month ago for the week of 2024-11-07, the average rate was 6.78%.

    Eau Claire's average rate one year ago was 6.92%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Eau Claire 30 Year Fixed Rate 2024-12-12 6.59%
    Eau Claire 30 Year Fixed Rate Refi 2024-12-12 6.5%
    Eau Claire 15 Year Fixed Rate 2024-12-12 6.04%
    Eau Claire 15 Year Fixed Rate Refi 2024-12-12 5.94%
    Eau Claire 30 Year FHA 2024-12-12 6.5%
    Eau Claire 30 Year FHA Refi 2024-12-12 6.18%
    Eau Claire 30 Year USDA 2024-12-12 6.5%
    Eau Claire 30 Year USDA Refi 2024-12-12 6.1%
    Eau Claire 30 Year VA 2024-12-12 6.12%
    Eau Claire 30 Year VA Refi 2024-12-12 5.88%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within EAU CLAIRE, WI.

    EAU CLAIRE Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the EAU CLAIRE, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

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

    EAU CLAIRE Average Closing Costs & Other Stats

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

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

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

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

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

    EAU CLAIRE, WI Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

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

    EAU CLAIRE's top lender by overall market share is Royal Credit Union, with 27.7% market share. In second place, with 5.1%, is State Bank of Cross Plains, having originated $40,750,000 in loans. In third place, with 5.1%, is WESTconsin Credit Union, having originated $40,495,000 in loans. In fourth place, with 4.1%, is Nicolet National Bank, having originated $32,565,000 in loans. In fifth place, with 3.7%, is Citizens Community Federal, having originated $29,440,000 in loans.

    EAU CLAIRE Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - EAU CLAIRE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $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 (2.7%) $288,016 (-4.1%) 0.87 358
    2018-04-01 $244,900 (2.1%) $285,823 (-7.4%) 0.83 363
    2018-05-01 $249,900 (0.0%) $289,666 (-8.0%) 0.83 381
    2018-06-01 $258,900 (4.3%) $302,409 (-2.1%) 0.86 378
    2018-07-01 $252,400 (1.0%) $297,157 (-4.0%) 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%) $286,576 (5.2%) 0.81 358
    2019-01-01 $240,450 (2.8%) $290,761 (2.0%) 0.83 333
    2019-02-01 $254,025 (3.7%) $308,380 (4.7%) 0.86 321
    2019-03-01 $259,900 (4.4%) $325,697 (13.1%) 0.85 314
    2019-04-01 $259,900 (6.1%) $320,815 (12.2%) 0.83 328
    2019-05-01 $249,900 (0.0%) $311,472 (7.5%) 0.78 347
    2019-06-01 $249,900 (-3.5%) $302,688 (0.1%) 0.78 389
    2019-07-01 $244,450 (-3.2%) $303,396 (2.1%) 0.77 406
    2019-08-01 $242,245 (-3.1%) $306,104 (4.6%) 0.77 412
    2019-09-01 $238,114 (-0.7%) $303,614 (4.7%) 0.76 421
    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 (5.9%) 0.75 375
    2020-01-01 $229,900 (-4.4%) $307,970 (5.9%) 0.77 306
    2020-02-01 $259,900 (2.3%) $329,594 (6.9%) 0.85 282
    2020-03-01 $261,463 (0.6%) $331,988 (1.9%) 0.82 304
    2020-04-01 $262,519 (1.0%) $323,208 (0.8%) 0.82 335
    2020-05-01 $270,400 (8.2%) $326,960 (5.0%) 0.82 325
    2020-06-01 $278,850 (11.6%) $345,983 (14.3%) 0.82 304
    2020-07-01 $286,350 (17.1%) $355,069 (17.0%) 0.83 269
    2020-08-01 $274,900 (13.5%) $341,358 (11.5%) 0.79 265
    2020-09-01 $263,450 (10.6%) $323,338 (6.5%) 0.75 283
    2020-10-01 $254,950 (8.5%) $312,344 (4.4%) 0.73 237
    2020-11-01 $248,450 (8.1%) $299,020 (-0.1%) 0.73 241
    2020-12-01 $248,481 (10.1%) $301,949 (-0.5%) 0.74 208
    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 $274,900 (1.7%) $349,948 (7.0%) 0.73 157
    2021-06-01 $284,900 (2.2%) $349,311 (1.0%) 0.75 178
    2021-07-01 $287,450 (0.4%) $348,141 (-2.0%) 0.76 206
    2021-08-01 $299,900 (9.1%) $347,883 (1.9%) 0.80 222
    2021-09-01 $299,925 (13.9%) $355,587 (10.0%) 0.80 256
    2021-10-01 $279,900 (9.8%) $337,645 (8.1%) 0.75 247
    2021-11-01 $282,450 (13.7%) $359,647 (20.3%) 0.75 216
    2021-12-01 $298,175 (20.0%) $360,246 (19.3%) 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 $324,400 (21.9%) $399,467 (4.9%) 0.81 118
    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 (16.4%) 0.79 202
    2022-07-01 $345,450 (20.2%) $393,280 (13.0%) 0.78 257
    2022-08-01 $364,925 (21.7%) $412,939 (18.7%) 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%) $406,800 (12.9%) 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 (3.3%) $413,482 (3.5%) 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 (14.3%) $469,206 (19.3%) 0.90 183
    2023-08-01 $372,413 (2.1%) $451,009 (9.2%) 0.86 219
    2023-09-01 $364,900 (-1.4%) $446,174 (6.9%) 0.85 244
    2023-10-01 $368,425 (-1.1%) $441,492 (4.0%) 0.87 280
    2023-11-01 $385,500 (7.9%) $455,979 (12.2%) 0.92 248
    2023-12-01 $395,000 (9.8%) $456,762 (12.3%) 0.96 213
    2024-01-01 $399,900 (11.3%) $466,856 (13.9%) 0.98 171
    2024-02-01 $399,900 (20.3%) $471,779 (15.7%) 0.96 161
    2024-03-01 $399,900 (19.4%) $464,711 (12.4%) 0.94 171
    2024-04-01 $393,450 (13.4%) $469,377 (8.2%) 0.92 207
    2024-05-01 $383,675 (0.3%) $463,612 (-0.9%) 0.87 238
    2024-06-01 $392,175 (2.5%) $477,803 (5.8%) 0.88 272
    2024-07-01 $374,175 (-5.3%) $469,889 (0.2%) 0.86 293
    2024-08-01 $369,900 (-0.7%) $451,818 (0.2%) 0.86 312
    2024-09-01 $368,725 (1.1%) $449,032 (0.6%) 0.87 341
    2024-10-01 $349,900 (-5.0%) $439,140 (-0.5%) 0.82 359
    2024-11-01 $342,900 (-11.1%) $432,515 (-5.2%) 0.82 335
    EAU CLAIRE's median listing price for 2024-11-01 was $342,900, a difference of $-42,600 (-11.1%) versus the prior year and $-7,000 versus the prior month.

    EAU CLAIRE's median listing price comes in at 82% of the national average.

    EAU CLAIRE's average listing price for 2024-11-01 was $432,515, a difference of $-23,464 (-5.2%) versus the prior year and $-6,625 versus the prior month.

    For the 2024-11-01 period, EAU CLAIRE had 335 MLS listings, a difference of -24 listings (-7%) versus the prior month and 87 listings (35%) 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 92 days 1,840 sqft
    2019-01-01 98 days 1,796 sqft
    2019-02-01 94 days 1,949 sqft
    2019-03-01 70 days 2,020 sqft
    2019-04-01 50 days 1,997 sqft
    2019-05-01 44 days 1,839 sqft
    2019-06-01 40 days 1,906 sqft
    2019-07-01 49 days 1,887 sqft
    2019-08-01 55 days 1,818 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 2,066 sqft
    2020-07-01 62 days 2,011 sqft
    2020-08-01 47 days 2,028 sqft
    2020-09-01 33 days 1,922 sqft
    2020-10-01 40 days 1,890 sqft
    2020-11-01 43 days 1,785 sqft
    2020-12-01 59 days 1,784 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 1,672 sqft
    2021-06-01 26 days 1,683 sqft
    2021-07-01 26 days 1,714 sqft
    2021-08-01 31 days 1,913 sqft
    2021-09-01 38 days 1,859 sqft
    2021-10-01 45 days 1,685 sqft
    2021-11-01 56 days 1,698 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 40 days 1,725 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 2,129 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
    2023-09-01 39 days 2,000 sqft
    2023-10-01 43 days 2,083 sqft
    2023-11-01 62 days 2,083 sqft
    2023-12-01 83 days 2,059 sqft
    2024-01-01 99 days 2,011 sqft
    2024-02-01 83 days 2,014 sqft
    2024-03-01 40 days 2,085 sqft
    2024-04-01 32 days 2,065 sqft
    2024-05-01 31 days 2,010 sqft
    2024-06-01 37 days 2,148 sqft
    2024-07-01 44 days 2,089 sqft
    2024-08-01 43 days 2,020 sqft
    2024-09-01 43 days 2,069 sqft
    2024-10-01 51 days 2,038 sqft
    2024-11-01 60 days 2,000 sqft
    EAU CLAIRE's median listing age (time on market) for 2024-11-01 was 60 days. This is -3% shorter than the same period one year ago.

    EAU CLAIRE's median square footage for active listings during the 2024-11-01 period was 2,000 sqft. One year prior, the average listing was 2,083 sqft.

    EAU CLAIRE, WI Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    54433 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54701 Eau Claire, WI MSA $650 $730 $930 $1,270 $1,450
    54702 Eau Claire, WI MSA $640 $710 $910 $1,240 $1,420
    54703 Eau Claire, WI MSA $680 $760 $970 $1,320 $1,510
    54720 Eau Claire, WI MSA $620 $700 $890 $1,210 $1,390
    54722 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54724 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54726 Eau Claire, WI MSA $600 $670 $860 $1,170 $1,340
    54727 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54729 Eau Claire, WI MSA $660 $740 $940 $1,280 $1,470
    54730 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54732 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54738 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54739 Eau Claire, WI MSA $670 $750 $960 $1,310 $1,500
    54741 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54742 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54745 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54748 Eau Claire, WI MSA $600 $670 $860 $1,160 $1,340
    54755 Eau Claire, WI MSA $580 $650 $830 $1,130 $1,300
    54757 Eau Claire, WI MSA $600 $670 $860 $1,170 $1,340
    54758 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54766 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290
    54768 Eau Claire, WI MSA $590 $660 $840 $1,140 $1,310
    54770 Eau Claire, WI MSA $580 $650 $830 $1,120 $1,290

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

    EAU CLAIRE, WI Market Loan Reason

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

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

    Interest Rate Frequencies

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

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

    Loan Sizing (EAU CLAIRE, WI MSA)

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

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

    LTV Distribution

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

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