States › Wisconsin › Eau Claire County
Eau Claire County, Wisconsin
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Eau Claire County, Wisconsin, saw 3,172 HMDA-reported applications and 2,132 originations ($484m) in 2024.
That is 47.7 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 17.1%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.3 percentage points and 14.6% of originations were 1.5 points or more above the average prime offer rate.
24 lenders reached 25 applications in the county; the most active by originations were Royal Credit Union (810), Westconsin Credit Union (123) and Rocket Mortgage (95).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Royal Credit Union | 1,050 | 810 | $148m | 7.7% | — |
| 2 | Westconsin Credit Union | 183 | 123 | $21m | 13.6% | — |
| 3 | Rocket Mortgage | 115 | 95 | $21m | 12.7% | — |
| 4 | Associated Bank NA | 139 | 89 | $14m | 27.6% | — |
| 5 | Nicolet National Bank | 99 | 82 | $33m | 4.7% | — |
| 6 | Us Bank, N.A. | 108 | 68 | $14m | 32.0% | — |
| 7 | Citizens Community Federal N.A. | 64 | 42 | $13m | 14.0% | — |
| 8 | United Wholesale Mortgage | 48 | 35 | $7.6m | 14.6% | — |
| 9 | Security Financial Bank | 40 | 30 | $4.5m | 14.3% | — |
| 10 | Fairway Independent Mort Corp | 39 | 27 | $7.2m | 10.0% | — |
| 11 | Union Home Mortgage Corp. | 33 | 26 | $6.1m | 13.3% | — |
| 12 | The Northwestern Bank | 28 | 25 | $7.1m | 0.0% | — |
| 13 | Marine Credit Union | 69 | 24 | $3.3m | 50.0% | — |
| 14 | Co-op Credit Union | 27 | 24 | $3.8m | 4.0% | — |
| 15 | Mortgage Research Center | 36 | 22 | $6.1m | 18.5% | — |
| 16 | Prosperity Home Mortgage, LLC | 25 | 22 | $4.8m | — | — |
| 17 | Guaranteed Rate, Inc. | 29 | 17 | $3.9m | — | — |
| 18 | Crosscountry Mortgage, LLC | 27 | 17 | $3.9m | — | — |
| 19 | Triad Financial Services, Inc. | 55 | 16 | $1.1m | 48.1% | — |
| 20 | BMO Harris Bank NA | 38 | 15 | $2.9m | 52.9% | — |
| 21 | Loandepot.com, LLC | 30 | 15 | $3.5m | — | — |
| 22 | Freedom Mortgage Corporation | 27 | 14 | $4.2m | — | — |
| 23 | Discover Bank | 40 | 10 | $690k | 63.0% | — |
| 24 | Credit Human Federal Credit Un | 38 | 5 | $385k | 71.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 24. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 17.1% | 17.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.6% | 11.0% | 15.6% |
| Average originated loan | $227k | $223k | $329k |
| Originations per 1,000 households | 47.7 | 55.4 | 48.0 |
| Home purchase share of originations | 53.9% | 46.3% | 57.0% |
| FHA-insured share | 4.8% | 5.6% | 13.4% |
| VA-guaranteed share | 4.2% | 4.3% | 7.9% |
Rate spread distribution
Share of 1,885 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Wisconsin). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (1,150)Home improvement 16% (341)Refinancing 8% (171)Cash-out refinancing 10% (213)Other purpose 12% (257)
By type
Conventional 91% (1,937)FHA 5% (103)VA 4% (90)USDA 0% (2)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Eau Claire County, WI?
By 2024 originations: Royal Credit Union (810), Westconsin Credit Union (123), Rocket Mortgage (95), Associated Bank NA (89), Nicolet National Bank (82). 24 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Eau Claire County?
17.1% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Eau Claire County in 2024?
2,132 loans totalling $484m, from 3,172 applications; 47.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 55035; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.