Metro area · WI
Lenders in Eau Claire, WI
23 lenders made 96 multifamily loans in the Eau Claire, WI metro area in 2024 and 2025, $278.9M in all. Nicolet National Bank made the most, with 19. The typical loan was about $860K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 23
- HMDA,
- Multifamily loans, 2024-25
- 96
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $279M
- HMDA,
- Typical loan
- $860K
- HMDA,
Cite this
Source: The Lender Report, Lenders in Eau Claire, WI, https://lender.report/lenders-in/eau-claire-wi/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| Nicolet National Bank multifamily record | Bank | Green Bay, WI | 19 | $40.7M | 9 | 10 |
| CCFBank National Association multifamily record | Bank | Altoona, WI | 11 | $20.8M | 10 | 1 |
| Citizens State Bank multifamily record | Bank | Cadott, WI | 10 | $8.02M | 4 | 6 |
| Westconsin Credit Union multifamily record | Credit union | Menomonie, WI | 9 | $10.2M | 7 | 2 |
| Northwestern Bank multifamily record | Bank | Chippewa Falls, WI | 9 | $10.2M | 5 | 4 |
| Royal Credit Union multifamily record | Credit union | Eau Claire, WI | 6 | $15.0M | 5 | 1 |
| Security Financial Bank multifamily record | Bank | Durand, WI | 5 | $17.3M | 3 | 2 |
| Security Bank multifamily record | Bank | New Auburn, WI | 3 | $2.30M | 3 | 0 |
| Citizens State Bank of La Crosse multifamily record | Bank | La Crosse, WI | 3 | $465K | 1 | 2 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 2 | $15.2M | 2 | 0 |
| Frandsen Bank & Trust multifamily record | Bank | Lonsdale, MN | 2 | $14.3M | 1 | 1 |
| Old National Bank multifamily record | Bank | Evansville, IN | 2 | $2.00M | 2 | 0 |
| Merchants Bank, National Association multifamily record | Bank | Winona, MN | 2 | $300K | 1 | 1 |
| Magnifi Financial Credit Union multifamily record | Credit union | Melrose, MN | 1 | $22.0M | 1 | 0 |
| National Bank of Commerce multifamily record | Bank | Superior, WI | 1 | $18.0M | 0 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Eau Claire County, WI | 64 | $223M | 19 |
| Chippewa County, WI | 30 | $41.4M | 13 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 55 |
| $1M to $2.5M | 16 |
| $2.5M to $5M | 10 |
| $5M to $10M | 7 |
| $10M or more | 8 |
- Lenders made 96 multifamily loans totaling $278.9M in Eau Claire, WI in 2024 and 2025. HMDA,
- 3 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 61 of the loans were made in 2025 and 35 in 2024. HMDA,
- The typical loan in Eau Claire, WI was about $860K, with the middle half between $420K and $2.7M. HMDA,
- 55 of the loans were under $1M, and 15 were $5M or more. HMDA,
- Lenders reported a median rate of 6.63% on 65 loans in Eau Claire, WI, with the middle half between 6.11% and 7.25%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 67%. HMDA,
- 45% of the loans were refinancings and 49% were purchases. HMDA,
- Banks and savings institutions made 74 of the loans, credit unions 16, and non-banks 3. HMDA,
- The five most active lenders made 60.4% of the loans. HMDA,
- The three most active lenders were Nicolet National Bank with 19, CCFBank National Association with 11, and Citizens State Bank with 10. HMDA,
- 16 of the 23 lenders are based in Wisconsin. The rest are based elsewhere, most often in Minnesota, Indiana and Maryland. HMDA,
- The most common property size was 5 to 24 units, with 69 loans. HMDA,
- 2 counties in the metro area have loans on record, and Eau Claire County, WI has the most, with 64. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Eau Claire, WI metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.