Eau Claire County
Wisconsin · FIPS 55035
According to CFPB HMDA 2024 application volume among U.S. counties, Eau Claire County ranks #679 of 3,210, and #19 of 72 in Wisconsin.
Mortgage lending activity in Eau Claire County, Wisconsin based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Eau Claire County, Wisconsin saw 3,294 HMDA-reported mortgage applications in 2024. Lenders originated 2,132 of those loans and denied 459, producing a denial rate of 13.9% and an approval (origination) rate of 64.7%. The average loan amount was $212,371 at an average note rate of 7.41%, with applicants self-reporting average annual income of $36K. 164 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Eau Claire County
In Eau Claire County, lead originator Royal Credit Union funded 38.0% of 2,132 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 48.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Eau Claire County's 3,294 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Eau Claire County's $212,371 average loan (deduped against volume peers).
Lenders active in Eau Claire County
Royal Credit Union funded 810 of the 2,132 loans originated in Eau Claire County, 38.0% of the county. 164 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Royal Credit Union | 810 | 38.0% |
| 2 | Westconsin Credit Union | 123 | 5.8% |
| 3 | Rocket Mortgage | 95 | 4.5% |
| 4 | Associated Bank NA | 89 | 4.2% |
| 5 | Nicolet National Bank | 82 | 3.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Eau Claire County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Eau Claire County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.