Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Eau Claire County, Wisconsin
Every institution that decided a 1–4 unit mortgage application in Eau Claire County between 2023 and 2025: 6,975 applications, 5,659 loans actually funded, across 8 kinds of borrowing.
Eau Claire County at a glance
6,975Applications decided
2023–2025
5,659Loans funded
81% of decisions
22Census tracts
6 ZIP codes
106,328People
ACS 2023
What the data shows
Lenders approved 88.9% of home-purchase applications in Eau Claire County, 3.2 points below the Wisconsin rate.
The typical purchase mortgage here is $245K.
Cash-out refinance is the hardest money to get here: lenders approved 71% of 967 applications.
Lending by loan type in Eau Claire County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.9% | 3,558 | $245K | 95% | 200 |
| Home improvement loans | 83.2% | 1,229 | $55K | 96% | 65 |
| Cash-out refinance | 70.6% | 967 | $145K | 95% | 96 |
| Refinance | 81.7% | 632 | $155K | 95% | 102 |
| Investment property purchase | 94.1% | 358 | $185K | 96% | 79 |
| Investment cash-out refinance | 79.6% | 54 | $165K | 98% | 21 |
| Investment refinance | 98.1% | 106 | $95K | 100% | 27 |
| Investment home improvement | 80.3% | 71 | $55K | 98% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.