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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Eau Claire County, Wisconsin

Fat Boy Data analyzed home improvement loan activity in Eau Claire County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,229 applications were decided by 65 lenders between 2023 and 2025.

Eau Claire County at a glance

65Active lenders6 with 20+ decisions
83.2%Market approval rate1,023 of 1,229 decided
$55KTypical loanmedian lender, $10K brackets
96%Borrower take-up983 loans funded

How Eau Claire County compares

Approval rate compared
Eau Claire County83.2%Wisconsin79.1%All 616 counties62.7%
Typical loan compared
Eau Claire County$55KWisconsin$65KAll 616 counties$75K

What the data shows

Royal Credit Union made the most home improvement loans in Eau Claire County, WI, 603 of them.

That is 61% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Nicolet National Bank approved the highest share of applications among lenders with at least 20 decisions here, 96% of 28.

The typical home improvement loan here is $55K, 15% smaller than the Wisconsin typical of $65K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 6 lenders with 20+ decisions here
0%25%50%75%100%BMO Bank National Association: 48% approved of 25U.S. Bank National Association: 60% approved of 68Associated Bank, National Association: 72% approved of 99Westconsin Credit Union: 86% approved of 139Royal Credit Union: 90% approved of 687Nicolet National Bank: 96% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Eau Claire County

LenderApprovalApprovedTaken upTypical loanLoans made
1Royal Credit Union90%618 / 68798%$55K603
2Westconsin Credit Union86%119 / 13996%$55K114
3Associated Bank, National Association72%71 / 9996%$55K68
4U.S. Bank National Association60%41 / 6898%$65K40
5Nicolet National Bank96%27 / 28100%$95K27

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 60 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Eau Claire County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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