Mortgage lending in Eau Claire County, Wisconsin
Lenders in Eau Claire County, Wisconsin reported 3,616 mortgage applications for 2025, according to the CFPB.
3,616 mortgage applications and 2,500 loans originated in 2025; the denial rate was 15.1% of 3,121 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Eau Claire, WI MSA.
- 3,616
- Applications
- 2,500
- Loans originated
- 15.1%
- Denial rate
- 471 denied of 3,121 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,616 | 2,500 |
| 2024 | 3,172 | 2,132 |
| 2023 | 2,988 | 2,062 |
| 2022 | 4,224 | 3,011 |
| 2021 | 6,949 | 5,187 |
| 2020 | 7,348 | 5,351 |
| 2019 | 5,096 | 3,770 |
| 2018 | 4,214 | 3,010 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Royal Credit Union | 891 | 1,112 |
| Westconsin Credit Union | 162 | 225 |
| Rocket Mortgage | 146 | 185 |
| Nicolet National Bank | 91 | 108 |
| Associated Bank NA | 78 | 127 |
| US Bank, N.A. | 77 | 112 |
| Citizens Community Federal N.A. | 58 | 75 |
| United Wholesale Mortgage | 46 | 66 |
| Marine Credit Union | 39 | 114 |
| Fairway Independent Mort Corp | 35 | 43 |
| Union Home Mortgage Corp. | 35 | 51 |
| Mortgage Research Center | 33 | 57 |
| Security Financial Bank | 31 | 36 |
| The Northwestern Bank | 30 | 41 |
| Co-op Credit Union | 29 | 31 |
| Crosscountry Mortgage, LLC | 27 | 38 |
| BMO Harris Bank NA | 26 | 45 |
| Guaranteed Rate, Inc. | 25 | 37 |
| Frandsen Bank & Trust | 23 | 27 |
| Pennymac Loan Services LLC | 22 | 34 |
| Prevail Bank | 20 | 22 |
| Old National Bank | 20 | 28 |
| Freedom Mortgage Corporation | 20 | 31 |
| Citizens State Bank | 19 | 21 |
| Uw Credit Union | 18 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 100 | 25.6% of 82 decided |
| Black or African American | 19 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,910 | 14.8% of 2,516 decided |
| 2 or more minority races | under 10 | |
| Joint | 54 | no rate: base under 50 |
| Race Not Available | 522 | 15.5% of 452 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 65 | 28.3% of 53 decided |
| Not Hispanic or Latino | 2,968 | 15.0% of 2,561 decided |
| Joint | 40 | no rate: base under 50 |
| Ethnicity Not Available | 543 | 14.0% of 470 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 981 | 19.0% of 832 decided |
| Female | 700 | 20.9% of 608 decided |
| Joint | 1,561 | 10.9% of 1,355 decided |
| Sex Not Available | 374 | 11.7% of 326 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1348 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved