Mortgage lending in Eau Claire, WI
4,037 mortgages were originated in the Eau Claire, WI area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,037
- Median rate
- 6.750%
- Median lender fees
- $3,675
- Median loan amount
- $185,000
- Median spread over APOR
- 0.248
- Paid discount points
- 23.9%
- Received lender credits
- 14.2%
- Purchases / refinances
- 46.3% / 27.2%
- Conventional / FHA / VA
- 89.4% / 5.5% / 4.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 56.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Eau Claire, WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Royal Credit Union | 1,390 | $3,454 | 6.750% |
| WESTCONSIN Credit Union | 281 | $2,097 | 7.500% |
| Rocket Mortgage, LLC | 237 | $5,779 | 6.500% |
| Nicolet National Bank | 126 | — | 7.000% |
| U.S. Bank National Association | 110 | $2,843 | 8.000% |
| Associated Bank, National Association | 106 | — | 7.125% |
| Northwestern Bank | 90 | — | — |
| Citizens Community Federal National Association | 76 | $2,954 | 6.625% |
| Citizens State Bank | 76 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | $7,917 | 6.447% |