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2024 data HMDA 2024 disclosure official source

Eau Claire County

3,294 mortgage applications, 13.9% denial rate. Verify FIPS 55035 with U.S. Census Bureau →

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Wisconsin · FIPS 55035

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.

FIPS 55035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,294
Applications
2,132
Originated
13.9%
Denial Rate
64.7%
Approval Rate
$212,371
Avg Loan Amount
7.41%
Avg Interest Rate
$36K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Eau Claire County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Royal Credit Union vs Westconsin Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Eau Claire County?
In the 2024 HMDA reporting year, 3,294 mortgage applications were filed in Eau Claire County, Wisconsin. Of these, 2,132 were originated (approved and funded), while 459 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Eau Claire County?
The mortgage denial rate in Eau Claire County is 13.9%. The approval (origination) rate is 64.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Eau Claire County?
The average mortgage loan amount in Eau Claire County is $212,371. The average interest rate is 7.405%. The average applicant income is $36K.
What is the loan-to-income ratio in Eau Claire County?
The average loan-to-income ratio in Eau Claire County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Eau Claire County?
The top mortgage lenders in Eau Claire County by origination volume are Royal Credit Union, Westconsin Credit Union, Rocket Mortgage. In total, 164 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.