DSCR Loans in Eau Claire County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 38 lenders made 172 investment-property loans in Eau Claire County, 1.9% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Eau Claire County, Wisconsin, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $240,000.
Eau Claire County investor market at a glance
| Statistic | Eau Claire County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 172 | 8,874 | 14th of 17 |
| Reporting lenders | 38 | 462 | 17th of 17 |
| Loan volume | $35.6M | $1.96B | 14th of 17 |
| Average loan | $207K | $221K | 8th of 17 |
| Median loan | $155K | $175K | 11th of 17 |
| Purchases | 57.0% | 59.3% | 12th of 17 |
| Cash-out refinances | 6.4% | 16.9% | 15th of 17 |
| 2–4 unit properties | 43.0% | 41.0% | 7th of 17 |
| Top five lenders' share | 60.5% | 14.2% | 2nd of 17 |
| Reported business-purpose | 82.6% | 66.8% | 1st of 17 |
Eau Claire County: closed-end loans on 1–4 unit investment properties. Eau Claire County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Eau Claire County's investor loans.
What stands out in Eau Claire County
By share of investor loans reported as business-purpose, Eau Claire County ranks highest of Wisconsin's 17 counties with published data (statewide: 66.8%).
82.6% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The five most active lenders wrote 60.5% of Eau Claire County's investor loans, the 2nd-highest share of Wisconsin's 17 counties with published data (statewide: 14.2%).
Five lenders write 60.5% of the loans here, so comparing written term sheets matters more.
6.4% of Eau Claire County's investor loans were cash-out refinances, the 3rd-lowest share of Wisconsin's 17 counties with published data (statewide: 16.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Eau Claire County?
At HUD's fair market rent of $1,695 for a 3-bedroom in Eau Claire County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Eau Claire County's median home value is $261,000; at that price the payment is $1,826 a month, so the property would need $1,850 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,259 / $1,695 / $1,701 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $261,000 |
| Median property taxes and effective rate | $3,514 (1.35% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,826 |
| Rent needed to cover that payment | $1,850 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Eau Claire County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Eau Claire County?
The most active investment-property lenders in Eau Claire County in 2025 HMDA data were Royal Credit Union, Nicolet National Bank and WESTCONSIN Credit Union, out of 38 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Eau Claire County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 172 loans and $35.6M from 38 lenders. Royal Credit Union led Eau Claire County with 42 loans, 24.4% of the county's total, and the average Eau Claire County loan of $207K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Royal Credit Union | 42 | $5.8M | $139K | 42.9% |
| Nicolet National Bank | 25 | $6.6M | $264K | 80.0% |
| WESTCONSIN Credit Union | 16 | $3.7M | $233K | 43.8% |
| Citizens Community Federal National Association | 12 | $2.9M | $239K | 75.0% |
| Citizens State Bank | 9 | $1.6M | $173K | 44.4% |
| United Wholesale Mortgage | 5 | $0.7M | $139K | 80.0% |
| Merchants Bank, National Association | 5 | $0.6M | $111K | 0.0% |
| Northwestern Bank | 4 | $2.1M | $515K | 75.0% |
| CO-OP Credit Union | 4 | $0.9M | $235K | 0.0% |
| Old National Bank | 4 | $0.8M | $198K | 25.0% |
| Frandsen Bank & Trust | 4 | $0.7M | $178K | 75.0% |
| COMPEER FINANCIAL, FLCA | 3 | $1.6M | $532K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.6M | $208K | 66.7% |
| Prevail Bank | 3 | $0.6M | $192K | 66.7% |
| Verus Residential Loanco, LLC | 3 | $0.5M | $168K | 100.0% |
| GUARANTEED RATE, INC. | 3 | $0.4M | $142K | 66.7% |
| Bank First, N.A. | 2 | $0.4M | $210K | 50.0% |
| Security Financial Bank | 2 | $0.4M | $205K | 0.0% |
| Superior Choice Credit Union | 2 | $0.4M | $195K | 100.0% |
| HOMESTEAD FUNDING CORP. | 2 | $0.3M | $175K | 100.0% |
| FIRST NORTHERN Credit Union | 2 | $0.3M | $155K | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | $0.5M | $535K | 100.0% |
| Chippewa Valley Bank | 1 | $0.5M | $505K | 100.0% |
| BMO Bank National Association | 1 | $0.4M | $355K | 100.0% |
| Citizens State Bank | 1 | $0.2M | $245K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Eau Claire County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Eau Claire County CSV, all 25 lenders
What Eau Claire County's table can't show you: fit. Short-term financing is exempt from HMDA, so Eau Claire County's fix-and-flip and bridge lenders barely appear among its 38 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Eau Claire County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Eau Claire County |
|---|---|---|---|
| La Crosse County, WI | 250 | 49 | About 55 miles away |
| Olmsted County, MN | 248 | 71 | About 75 miles away |
| Marathon County, WI | 193 | 42 | About 75 miles away |
| Washington County, MN | 271 | 86 | About 80 miles away |
Run the coverage test on your Eau Claire County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Eau Claire County, Wisconsin property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Eau Claire County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 38 lenders and 172 loans: 2025 HMDA loan-level data rolled up to Eau Claire County.
- Eau Claire County investor-lender dataset (CSV) — All 25 lenders in the Eau Claire County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Eau Claire County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Eau Claire, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Eau Claire County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.