Largest lenders in Eau Claire County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Royal Credit Union | B | 1,112 | 891 | 7.0% | 6.75% |
| 2 | WESTCONSIN Credit Union | C | 225 | 162 | 10.7% | 7.50% |
| 3 | Rocket Mortgage | C | 185 | 146 | 13.0% | 6.50% |
| 4 | Associated Bank | B | 127 | 78 | 31.5% | 7.25% |
| 5 | Marine Credit Union | F | 114 | 39 | 34.2% | 8.73% |
| 6 | U.S. Bank | D | 112 | 77 | 15.2% | 8.05% |
| 7 | Nicolet National Bank | A | 108 | 91 | 3.7% | 7.00% |
| 8 | Citizens Community Federal | B | 75 | 58 | 6.7% | 6.63% |
| 9 | United Shore Financial Services | B | 66 | 46 | 15.2% | 6.50% |
| 10 | Mortgage Research Center | C | 57 | 33 | 17.5% | 6.38% |
| 11 | Union Home Mortgage | B | 51 | 35 | 9.8% | 6.88% |
| 12 | BMO Bank | F | 45 | 26 | 26.7% | 7.88% |
| 13 | Fairway Independent Mortgage | B | 43 | 35 | 0.0% | 6.49% |
| 14 | Triad Financial Services | D | 43 | 11 | 46.5% | 8.73% |
| 15 | Northwestern Bank | C | 41 | 30 | 7.3% | — |
| 16 | Crosscountry Mortgage | B | 38 | 27 | 7.9% | 6.75% |
| 17 | Guaranteed Rate | B | 37 | 25 | 8.1% | 6.63% |
| 18 | Security Financial Bank | B | 36 | 31 | 0.0% | — |
| 19 | Pennymac Loan Services | C | 34 | 22 | 5.9% | 6.50% |
| 20 | Freedom Mortgage | B | 31 | 20 | 6.5% | 6.25% |
| 21 | CO-OP Credit Union | B | 31 | 29 | 3.2% | 6.65% |
| 22 | Loandepot.Com | D | 29 | 11 | 37.9% | 6.75% |
| 23 | Old National Bank | B | 28 | 20 | 21.4% | 6.44% |
| 24 | Frandsen Bank & Trust | B | 27 | 23 | 0.0% | 7.00% |
| 25 | Broker Solutions | D | 27 | 8 | 3.7% | 7.00% |
Best approval odds in Eau Claire County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Nicolet National Bank | 95 | 4.2% |
| 2 | Royal Credit Union | 1,013 | 7.7% |
| 3 | Citizens Community Federal | 63 | 7.9% |
| 4 | WESTCONSIN Credit Union | 192 | 12.5% |
| 5 | Rocket Mortgage | 174 | 13.8% |
| 6 | United Shore Financial Services | 57 | 17.5% |
| 7 | U.S. Bank | 95 | 17.9% |
| 8 | Associated Bank | 120 | 33.3% |
| 9 | Marine Credit Union | 84 | 46.4% |
What Eau Claire County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Eau Claire County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,988 | 2,062 | 14.1% | 7.13% | $145,000 |
| 2024 | 3,172 | 2,132 | 14.5% | 7.00% | $165,000 |
| 2025 | 3,616 | 2,500 | 13.0% | 6.75% | $175,000 |
Frequently asked questions
13.0% of applications in Eau Claire County were denied in 2025, against 14.0% statewide in Wisconsin.
Royal Credit Union, with 1,112 applications in 2025 and a denial rate of 7.0%.
The median mortgage application in Eau Claire County in 2025 was for $175,000; the median property value on originated loans was $315,000.