Baraboo Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Baraboo averaged 5.76% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.13% and one month ago for the week of 2022-05-19, the average rate was 5.4%.

Baraboo's average rate one year ago was 2.95%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.68%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Baraboo 30 Year Fixed Rate 2022-06-23 5.76%
Baraboo 30 Year Fixed Rate Refi 2022-06-23 5.68%
Baraboo 15 Year Fixed Rate 2022-06-23 5.01%
Baraboo 15 Year Fixed Rate Refi 2022-06-23 5.24%
Baraboo 30 Year FHA 2022-06-23 0.23%
Baraboo 30 Year FHA Refi 2022-06-23 -0.08%
Baraboo 30 Year USDA 2022-06-23 0.04%
Baraboo 30 Year USDA Refi 2022-06-23 0.25%
Baraboo 30 Year VA 2022-06-23 0.11%
Baraboo 30 Year VA Refi 2022-06-23 -0.05%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Baraboo, WI.

Baraboo Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Baraboo, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Summit Credit Union 170 2.95% $2,882
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 148 3.12% $2,637
University of Wisconsin Credit Union 69 2.89% $2,927
Prosperity Home Mortgage, LLC 50 3.15% $2,436
QUICKEN LOANS, LLC 49 3.13% $4,314
GUILD MORTGAGE COMPANY 40 3.06% $4,379
The Peoples Community Bank 36 2.80% $4,351
Wells Fargo Bank 31 3.21% $2,171
Associated Bank 24 3.06% $2,146
U.S. Bank 23 2.98% $2,682
Royal Bank 22 3.09% $2,077
BMO Harris Bank 20 3.18% $3,765
Monona Bank 18 3.06% $1,845
THOMPSON KANE & COMPANY, LLC 17 2.89% $2,331
HERITAGE CREDIT UNION 16 3.09% $1,342
State Bank of Cross Plains 15 2.93% $2,356
Barrington Bank & Trust Company, N.A. 14 2.98% $3,776
NEWREZ LLC 14 3.15% $2,188
JPMorgan Chase Bank 10 3.11% $3,803
LOANDEPOT.COM, LLC 10 3.17% $3,346
COMPEER FINANCIAL, FLCA 9 4.00% $3,176
Hometown Bank 8 3.42% $991
Bankers' Bank 8 3.22% $2,264
AMERISAVE MORTGAGE CORPORATION 8 3.27% $3,318
CORNERSTONE HOME LENDING, INC. 7 3.21% $4,141
INLANTA MORTGAGE, INC. 7 3.11% $2,352
DAS Acquisition Company, LLC 7 3.25% $3,099
The Park Bank 7 3.05% $2,552
Heartland Credit Union (Madison) 7 2.86% $3,299
UNITED WHOLESALE MORTGAGE, LLC 7 2.89% $6,952
Oregon Community Bank 7 3.09% $2,183
Bank Five Nine 6 3.15% $2,065
GUARANTEED RATE, INC. 6 3.04% $3,115
Bank of Sun Prairie 5 2.93% $2,811
BETTER MORTGAGE CORPORATION 5 2.48% $2,820
Johnson Bank 5 3.16% $2,619
Settlers Bank 5 3.28% $2,071
HOMEBRIDGE FINANCIAL SERVICES, INC. 4 3.22% $6,090
BROKER SOLUTIONS, INC. 4 3.37% $3,584
AMERICAN PACIFIC MORTGAGE CORPORATION 4 3.50% $3,294
Flagstar Bank, FSB 4 3.31% $2,147
CALIBER HOME LOANS, INC. 4 3.22% $2,513
EDUCATORS CREDIT UNION 4 3.13% $2,076
FREEDOM MORTGAGE CORPORATION 4 3.50% $5,551
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 3.29% $5,699
Mortgage Research Center, LLC 3 3.25% $3,756
Old National Bank 3 2.63% $3,452
Prevail Bank 3 2.92% $1,527
Servion, Inc. 3 3.00% $2,446
The Bank of New Glarus 3 3.25% $1,787
CHERRY CREEK MORTGAGE, LLC 3 3.38% $640
UNION HOME MORTGAGE CORP. 3 2.88% $2,820
INLAND BANK & TRUST 3 3.08% $2,879
InterContinental Capital Group, Inc 3 3.54% $6,549
Waterstone Mortgage Corporation 2 2.94% $3,835
Great Midwest Bank, S.S.B. 2 2.88% $8,100
Starion Bank 2 2.69% $1,448
HOME POINT FINANCIAL CORPORATION 2 3.31% $4,193
HOMESIDE FINANCIAL, LLC 2 3.06% $2,135
PARKSIDE LENDING, LLC 2 2.94% $2,305
Old Second National Bank 2 2.94% $2,327
EVERETT FINANCIAL, INC. 2 3.25% $1,589
Mr. Cooper ( Nationstar Mortgage ) 2 3.63% $4,689
Community First Credit Union 2 2.94% $2,291
CROSSCOUNTRY MORTGAGE, LLC 2 3.00% $3,417
DRAPER AND KRAMER MORTGAGE CORP. 2 2.81% $2,641
Wyndham Capital Mortgage, Inc. 2 3.50% $998
ZILLOW HOME LOANS, LLC 2 3.63% $3,585
MidWestOne Bank 1 3.00% $2,662
Ally Bank 1 2.38% $6,305
ALTRA 1 3.23% $2,141
AMERICAN FINANCIAL NETWORK, INC. 1 3.75% $8,775
AMERICAN FINANCING CORPORATION 1 3.25% $6,008
American Mortgage & Equity Consultants, Inc. 1 3.50% $2,149
A + MORTGAGE SERVICES, INC. 1 3.38% $1,875
Arvest Bank 1 3.25% $15,686
Bank of America 1 2.75% $2,712
Bank of Deerfield 1 2.88% $559
Bank of England 1 3.25% $2,607
Bank of Luxemburg 1 3.00% $4,547
Baxter Credit Union 1 3.63% $2,716
Carrington Mortgage Services, LLC 1 2.75% $4,976
Chicago Mortgage Solutions LLC 1 2.63% $6,124
CITIZENS EQUITY FIRST 1 3.38% $2,583
Commerce State Bank 1 3.38% $2,320
Dane County Credit Union 1 3.25% $2,868
Deere Employees Credit Union 1 2.25% $2,497
DUPACO COMMUNITY 1 2.88% $3,587
Fifth Third Bank 1 2.75% $2,112
FINANCE OF AMERICA MORTGAGE LLC 1 3.63% $4,015
FirstBank 1 2.75% $1,466
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.88% $2,470
First Guaranty Mortgage Corporation 1 3.38% $2,420
First National Bank of America 1 6.50% $5,753
GUARANTEED RATE AFFINITY, LLC 1 2.99% $3,295
HOMESTEAD FUNDING CORP. 1 2.75% $3,715
HomeTown Bank 1 3.00% $5,005
HOMEXPRESS MORTGAGE CORP. 1 3.38% $31,913
IncredibleBank 1 3.25% $2,162
Key Mortgage Services, Inc. 1 3.00% $3,223
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $1,894
Magnolia Bank 1 3.50% $8,050
MARINE 1 7.98% $5,055
MEMBERS COOPERATIVE 1 3.38% $4,574
Merchants Bank 1 2.90% $2,693
ACADEMY MORTGAGE CORPORATION 1 3.63% $2,840
NATIONS RELIABLE LENDING, LLC 1 3.13% $2,916
NAVY FEDERAL CREDIT UNION 1 3.25% $2,551
Nicolet National Bank 1 2.75% $2,411
Paramount Residential Mortgage Group, Inc. 1 2.63% $1,665
PENNYMAC LOAN SERVICES, LLC 1 3.00% $2,864
Plains Commerce Bank 1 2.88% $1,117
PLANET HOME LENDING, LLC 1 3.13% $2,520
PREMIER AMERICA 1 3.25% $4,504
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $2,238
PROPER RATE, LLC 1 3.63% $3,132
Royal Credit Union 1 3.13% $0
Summit Mortgage Corporation 1 2.99% $2,992
The Equitable Bank, S.S.B. 1 3.00% $2,730
The Northern Trust Company 1 2.63% $3,290
THRIVENT Federal Credit Union 1 2.63% $3,580
Watermark Capital, Inc. 1 2.75% $2,492

Baraboo, WI's 122 lenders originated 3,006 loans during 2021. The total origination value was $560,190,000, with an average loan value of $186,357.

The top Baraboo lender as defined by loan originations is Summit Credit Union, with 170 loans originated. Their average total fees are $2,882, which is $246 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Baraboo lenders (with over 10 loans originated) are HERITAGE CREDIT UNION ($1,342), Monona Bank ($1,845), Royal Bank ($2,077), Associated Bank ($2,146) and Wells Fargo Bank ($2,171).

The lowest rate Baraboo lenders (with over 10 loans originated) are The Peoples Community Bank (2.80%), University of Wisconsin Credit Union (2.89%), THOMPSON KANE & COMPANY, LLC (2.89%), State Bank of Cross Plains (2.93%) and Summit Credit Union (2.95%).

Baraboo, WI Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Summit Credit Union $82,555,000 $88,795,000 7.6% 15.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $53,725,000 $53,150,000 -1.1% 9.5%
Baraboo State Bank $55,760,000 $32,980,000 -40.9% 5.9%
University of Wisconsin Credit Union $27,705,000 $26,030,000 -6.0% 4.6%
QUICKEN LOANS, LLC $19,455,000 $21,550,000 10.8% 3.8%
The Peoples Community Bank $40,865,000 $20,940,000 -48.8% 3.7%
GUILD MORTGAGE COMPANY $20,775,000 $17,840,000 -14.1% 3.2%
Prosperity Home Mortgage, LLC $17,225,000 $17,660,000 2.5% 3.2%
Bank of Wisconsin Dells $20,365,000 $14,780,000 -27.4% 2.6%
BMO Harris Bank $9,850,000 $14,600,000 48.2% 2.6%
Associated Bank $11,260,000 $10,690,000 -5.1% 1.9%
FREEDOM MORTGAGE CORPORATION $8,860,000 $10,130,000 14.3% 1.8%
Wells Fargo Bank $12,250,000 $9,895,000 -19.2% 1.8%
Monona Bank $12,500,000 $8,955,000 -28.4% 1.6%
U.S. Bank $8,400,000 $7,775,000 -7.4% 1.4%
Royal Bank $15,315,000 $7,655,000 -50.0% 1.4%
THOMPSON KANE & COMPANY, LLC $6,545,000 $7,315,000 11.8% 1.3%
Barrington Bank & Trust Company, N.A. $9,760,000 $7,050,000 -27.8% 1.3%
HERITAGE CREDIT UNION $3,630,000 $6,875,000 89.4% 1.2%
State Bank of Cross Plains $11,035,000 $6,780,000 -38.6% 1.2%
WaterStone Bank, SSB $5,445,000 $6,705,000 23.1% 1.2%
Oregon Community Bank $2,570,000 $6,530,000 154.1% 1.2%
NEWREZ LLC $3,165,000 $6,050,000 91.2% 1.1%
The Park Bank $3,500,000 $4,670,000 33.4% 0.8%
LOANDEPOT.COM, LLC $1,835,000 $4,590,000 150.1% 0.8%
Mortgage Research Center, LLC $4,290,000 $4,395,000 2.4% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $4,480,000 $4,080,000 -8.9% 0.7%
GUARANTEED RATE, INC. $2,405,000 $4,070,000 69.2% 0.7%
COMPEER FINANCIAL, FLCA $5,465,000 $3,990,000 -27.0% 0.7%
JPMorgan Chase Bank $3,155,000 $3,960,000 25.5% 0.7%
Hometown Bank $1,335,000 $3,805,000 185.0% 0.7%
VERVE, A CREDIT UNION $3,450,000 $3,455,000 0.1% 0.6%
Johnson Bank $6,700,000 $2,945,000 -56.0% 0.5%
Prevail Bank $6,710,000 $2,930,000 -56.3% 0.5%
DAS Acquisition Company, LLC $2,425,000 $2,925,000 20.6% 0.5%
PENNYMAC LOAN SERVICES, LLC $435,000 $2,620,000 502.3% 0.5%
Settlers Bank $5,575,000 $2,555,000 -54.2% 0.5%
Bankers' Bank $2,460,000 n/a 0.4%
CORNERSTONE HOME LENDING, INC. $710,000 $2,425,000 241.5% 0.4%
INLANTA MORTGAGE, INC. $2,015,000 $2,375,000 17.9% 0.4%
Heartland Credit Union (Madison) $1,760,000 $2,320,000 31.8% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,750,000 $2,195,000 25.4% 0.4%
BETTER MORTGAGE CORPORATION $215,000 $2,125,000 888.4% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,580,000 $2,100,000 32.9% 0.4%
Old National Bank $2,150,000 $2,040,000 -5.1% 0.4%
HOMEXPRESS MORTGAGE CORP. $2,005,000 n/a 0.4%
INLAND BANK & TRUST $225,000 $1,980,000 780.0% 0.4%
CALIBER HOME LOANS, INC. $2,170,000 $1,920,000 -11.5% 0.3%
Flagstar Bank, FSB $2,250,000 $1,910,000 -15.1% 0.3%
USAA Federal Savings Bank $3,205,000 $1,910,000 -40.4% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $3,090,000 $1,865,000 -39.6% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,575,000 $1,855,000 17.8% 0.3%
Bank Five Nine $1,945,000 $1,835,000 -5.7% 0.3%
DMB Community Bank $3,065,000 $1,825,000 -40.5% 0.3%
LAKEVIEW LOAN SERVICING, LLC $760,000 $1,735,000 128.3% 0.3%
Bank of Deerfield $1,430,000 $1,445,000 1.0% 0.3%
BROKER SOLUTIONS, INC. $350,000 $1,435,000 310.0% 0.3%
Paramount Residential Mortgage Group, Inc. $260,000 $1,420,000 446.2% 0.3%
DUPACO COMMUNITY $1,410,000 n/a 0.3%
CHERRY CREEK MORTGAGE, LLC $350,000 $1,375,000 292.9% 0.2%
Servion, Inc. $1,560,000 $1,320,000 -15.4% 0.2%
Starion Bank $955,000 $1,315,000 37.7% 0.2%
NAVY FEDERAL CREDIT UNION $1,340,000 $1,310,000 -2.2% 0.2%
Bank of Sun Prairie $1,055,000 $1,180,000 11.8% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,465,000 $1,010,000 -31.1% 0.2%
HOME POINT FINANCIAL CORPORATION $1,850,000 $1,010,000 -45.4% 0.2%
Great Midwest Bank, S.S.B. $1,260,000 $990,000 -21.4% 0.2%
Wisconsin River Bank $710,000 $990,000 39.4% 0.2%
EDUCATORS CREDIT UNION $360,000 $975,000 170.8% 0.2%
Arvest Bank $970,000 n/a 0.2%
Carrington Mortgage Services, LLC $650,000 $965,000 48.5% 0.2%
PLANET HOME LENDING, LLC $380,000 $930,000 144.7% 0.2%
CLEARPATH LENDING $480,000 $920,000 91.7% 0.2%
DRAPER AND KRAMER MORTGAGE CORP. $225,000 $915,000 306.7% 0.2%
InterContinental Capital Group, Inc $510,000 $900,000 76.5% 0.2%
Ally Bank $310,000 $880,000 183.9% 0.2%
The Greenwood's State Bank $1,195,000 $850,000 -28.9% 0.2%
A + MORTGAGE SERVICES, INC. $520,000 $825,000 58.7% 0.1%
Plains Commerce Bank $815,000 n/a 0.1%
Community First Credit Union $795,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $1,425,000 $750,000 -47.4% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $470,000 $730,000 55.3% 0.1%
ENVOY MORTGAGE, LTD $1,665,000 $705,000 -57.7% 0.1%
Dane County Credit Union $855,000 $685,000 -19.9% 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $665,000 n/a 0.1%
WNB Financial, N.A. $650,000 n/a 0.1%
Royal Credit Union $270,000 $630,000 133.3% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $230,000 $630,000 173.9% 0.1%
First Guaranty Mortgage Corporation $175,000 $575,000 228.6% 0.1%
Merchants Bank $575,000 n/a 0.1%
THRIVENT Federal Credit Union $570,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $420,000 $545,000 29.8% 0.1%
Waukesha State Bank $225,000 $535,000 137.8% 0.1%
ALTRA $1,315,000 $520,000 -60.5% 0.1%
Old Second National Bank $510,000 n/a 0.1%
BM Real Estate Services, Inc. $505,000 n/a 0.1%
Capitol Bank $1,495,000 $505,000 -66.2% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $415,000 $480,000 15.7% 0.1%
HOMESIDE FINANCIAL, LLC $550,000 $475,000 -13.6% 0.1%
The Northern Trust Company $475,000 n/a 0.1%
Summit Mortgage Corporation $465,000 n/a 0.1%
CROSSCOUNTRY MORTGAGE, LLC $765,000 $460,000 -39.9% 0.1%
Bank of England $455,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $455,000 n/a 0.1%
Magnolia Bank $450,000 n/a 0.1%
Deere Employees Credit Union $440,000 n/a 0.1%
PARKSIDE LENDING, LLC $255,000 $440,000 72.5% 0.1%
Oak Bank $375,000 $435,000 16.0% 0.1%
The Bank of New Glarus $1,320,000 $435,000 -67.0% 0.1%
Bank of America $410,000 $430,000 4.9% 0.1%
NATIONS RELIABLE LENDING, LLC $290,000 $425,000 46.6% 0.1%
TOWNE MORTGAGE COMPANY $375,000 $415,000 10.7% 0.1%
Resource Bank, N.A. $405,000 n/a 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $390,000 n/a 0.1%
IOWA BANKERS MORTGAGE CORPORATION $375,000 n/a 0.1%
EVERETT FINANCIAL, INC. $1,715,000 $370,000 -78.4% 0.1%
ZILLOW HOME LOANS, LLC $370,000 n/a 0.1%
BLUELEAF LENDING, LLC $235,000 $345,000 46.8% 0.1%
Commerce State Bank $590,000 $345,000 -41.5% 0.1%
First American Bank $235,000 $340,000 44.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,050,000 $340,000 -67.6% 0.1%
Bank of Luxemburg $335,000 n/a 0.1%
HomeTown Bank $335,000 n/a 0.1%
The Federal Savings Bank $1,700,000 $335,000 -80.3% 0.1%
Wyndham Capital Mortgage, Inc. $330,000 n/a 0.1%
Bank First, N.A. $445,000 $320,000 -28.1% 0.1%
FirstBank $315,000 n/a 0.1%
HOMESTEAD FUNDING CORP. $315,000 $315,000 0.0% 0.1%
NBH Bank $315,000 n/a 0.1%
ACCELERATE MORTGAGE, LLC $305,000 n/a 0.1%
Key Mortgage Services, Inc. $205,000 $305,000 48.8% 0.1%
WOODTRUST BANK $3,705,000 $305,000 -91.8% 0.1%
Waterstone Mortgage Corporation $530,000 $300,000 -43.4% 0.1%
MARINE $995,000 $290,000 -70.9% 0.1%
PremierBank $325,000 $285,000 -12.3% 0.1%
Blackhawk Community Credit Union $340,000 $280,000 -17.6% 0.0%
EMBRACE HOME LOANS, INC. $330,000 $275,000 -16.7% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $185,000 $265,000 43.2% 0.0%
MEMBERS COOPERATIVE $265,000 n/a 0.0%
PNC Bank $620,000 $260,000 -58.1% 0.0%
AMERIFIRST FINANCIAL CORPORATION $115,000 $255,000 121.7% 0.0%
Chicago Mortgage Solutions LLC $255,000 $255,000 0.0% 0.0%
MidWestOne Bank $1,850,000 $255,000 -86.2% 0.0%
GOVERNMENTAL EMPLOYEES $200,000 $250,000 25.0% 0.0%
Woodford State Bank $330,000 $250,000 -24.2% 0.0%
COMPASS MORTGAGE, INC. $800,000 $245,000 -69.4% 0.0%
GoPrime Mortgage, Inc. $245,000 $245,000 0.0% 0.0%
AMERICAN FINANCING CORPORATION $225,000 n/a 0.0%
HANCOCK MORTGAGE PARTNERS, LLC $225,000 n/a 0.0%
PREMIER AMERICA $225,000 n/a 0.0%
River Bank $225,000 n/a 0.0%
Mid-Continent Funding, Inc. $450,000 $215,000 -52.2% 0.0%
Nicolet National Bank $510,000 $215,000 -57.8% 0.0%
Citizens State Bank of La Crosse $335,000 $210,000 -37.3% 0.0%
CITIZENS EQUITY FIRST $310,000 $205,000 -33.9% 0.0%
Oostburg State Bank $145,000 $205,000 41.4% 0.0%
ROYAL UNITED MORTGAGE LLC $375,000 $190,000 -49.3% 0.0%
CMG MORTGAGE, INC. $185,000 n/a 0.0%
Citizens Community Federal $180,000 n/a 0.0%
First Midwest Bank $520,000 $175,000 -66.3% 0.0%
GUARANTEED RATE AFFINITY, LLC $175,000 n/a 0.0%
IncredibleBank $470,000 $175,000 -62.8% 0.0%
PHH Mortgage Corporation $175,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $175,000 n/a 0.0%
ATLANTA POSTAL $165,000 n/a 0.0%
Union Federal Savings and Loan Association $85,000 $165,000 94.1% 0.0%
Watermark Capital, Inc. $215,000 $165,000 -23.3% 0.0%
ACADEMY MORTGAGE CORPORATION $155,000 n/a 0.0%
First Federal Bank $830,000 $155,000 -81.3% 0.0%
First National Bank of America $155,000 n/a 0.0%
GREAT LAKES $255,000 $155,000 -39.2% 0.0%
Northpointe Bank $305,000 $155,000 -49.2% 0.0%
The Equitable Bank, S.S.B. $240,000 $155,000 -35.4% 0.0%
UBS Bank USA $1,000,000 $155,000 -84.5% 0.0%
Citizens Bank $510,000 $145,000 -71.6% 0.0%
PROPER RATE, LLC $235,000 $145,000 -38.3% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $665,000 $135,000 -79.7% 0.0%
Luana Savings Bank $135,000 n/a 0.0%
American Mortgage & Equity Consultants, Inc. $920,000 $125,000 -86.4% 0.0%
Fifth Third Bank $175,000 $125,000 -28.6% 0.0%
Fortifi Bank $1,145,000 $115,000 -90.0% 0.0%
Horicon Bank $115,000 n/a 0.0%
Nations Lending Corporation $135,000 $95,000 -29.6% 0.0%
CAMPUS USA $85,000 n/a 0.0%
ADVIA $75,000 n/a 0.0%
Baxter Credit Union $175,000 $75,000 -57.1% 0.0%
Central State Bank $85,000 $75,000 -11.8% 0.0%
21ST MORTGAGE CORPORATION $60,000 $65,000 8.3% 0.0%
Discover Bank $90,000 $65,000 -27.8% 0.0%
Landmark Credit Union $1,095,000 $65,000 -94.1% 0.0%
SPRING EQ, LLC $270,000 $65,000 -75.9% 0.0%
Farmers and Merchants Union Bank $185,000 $55,000 -70.3% 0.0%
PENTAGON FEDERAL CREDIT UNION $280,000 $55,000 -80.4% 0.0%
DuTrac Community Credit Union $35,000 n/a 0.0%
AMERICAN ADVISORS GROUP $95,000 $25,000 -73.7% 0.0%
Figure Lending LLC $35,000 $15,000 -57.1% 0.0%

Baraboo's top lender by overall market share is Summit Credit Union, with 15.9% market share. In second place, with 9.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $53,150,000 in loans. In third place, with 5.9%, is Baraboo State Bank, having originated $32,980,000 in loans. In third place, with 4.6%, is University of Wisconsin Credit Union, having originated $26,030,000 in loans. In third place, with 3.8%, is QUICKEN LOANS, LLC, having originated $21,550,000 in loans.


Baraboo, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,173 $210,145,000 $179,152
Home Purchase 909 $215,745,000 $237,343
Cash Out Refi 577 $111,165,000 $192,660
Other 215 $15,455,000 $71,884
Home Improvement 132 $7,680,000 $58,182

Baraboo's most frequently cited loan purpose was Refi, with 1,173 originations. The 2nd most popular reason was Home Purchase, with 909 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,097 $212,885,000 $194,061
<2.5% 775 $116,115,000 $149,826
3-4% 725 $153,005,000 $211,041
4-5% 82 $16,680,000 $203,415
5-6% 31 $2,265,000 $73,065
6-7% 8 $410,000 $51,250
7-8% 4 $290,000 $72,500
Over 8% 2 $210,000 $105,000

During 2021, Baraboo's most frequently originated rate bucket was 2.5-3%, with 1,097 originations.

Loan Sizing (Baraboo, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,273 $189,235,000 $148,653
$200k-400k 945 $248,295,000 $262,746
$100,000 or less 651 $37,765,000 $58,011
$400k-600k 114 $53,270,000 $467,281
$600k-1000k 14 $10,380,000 $741,429
$Over $1MM 9 $21,245,000 $2,360,556

Baraboo's loan sizing saw the bucket of loans from $100k-200k with 1,273 originations, totaling $189,235,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 830 $182,270,000 $219,602
80-100% 822 $190,130,000 $231,302
40-60% 435 $71,065,000 $163,368
20-40% 275 $28,145,000 $102,345
Under 20% 265 $10,215,000 $38,547
Over 100% 21 $5,195,000 $247,381

Baraboo's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 830 originations, totaling $182,270,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $224,900 (12.5%) $275,864 (4.2%) 0.00 305
2018-02-01 $231,950 (16.0%) $286,699 (6.4%) 0.00 279
2018-03-01 $243,900 (12.2%) $290,144 (4.8%) 0.00 294
2018-04-01 $249,900 (11.1%) $302,581 (8.6%) 0.00 309
2018-05-01 $249,000 (11.5%) $306,465 (6.9%) 0.00 333
2018-06-01 $245,000 (7.7%) $305,596 (2.6%) 0.00 354
2018-07-01 $255,900 (11.3%) $313,457 (3.4%) 0.00 367
2018-08-01 $248,700 (8.2%) $314,306 (3.6%) 0.00 375
2018-09-01 $249,900 (9.1%) $319,204 (9.9%) 0.00 364
2018-10-01 $239,900 (4.4%) $306,413 (5.1%) 0.00 362
2018-11-01 $231,450 (2.9%) $282,423 (2.0%) 0.00 352
2018-12-01 $234,900 (6.8%) $287,126 (4.1%) 0.00 313
2019-01-01 $234,950 (4.5%) $293,713 (6.5%) 0.00 296
2019-02-01 $241,050 (3.9%) $292,917 (2.2%) 0.00 263
2019-03-01 $239,000 (-2.0%) $294,234 (1.4%) 0.00 283
2019-04-01 $242,000 (-3.2%) $303,240 (0.2%) 0.00 307
2019-05-01 $255,450 (2.6%) $330,676 (7.9%) 0.00 328
2019-06-01 $259,900 (6.1%) $331,641 (8.5%) 0.00 350
2019-07-01 $266,450 (4.1%) $340,678 (8.7%) 0.00 357
2019-08-01 $264,529 (6.4%) $336,944 (7.2%) 0.00 355
2019-09-01 $259,900 (4.0%) $333,426 (4.5%) 0.00 348
2019-10-01 $259,900 (8.3%) $343,942 (12.3%) 0.00 332
2019-11-01 $259,900 (12.3%) $348,994 (23.6%) 0.00 293
2019-12-01 $254,900 (8.5%) $335,838 (17.0%) 0.00 280
2020-01-01 $255,999 (9.0%) $350,539 (19.4%) 0.00 254
2020-02-01 $268,350 (11.3%) $367,287 (25.4%) 0.00 253
2020-03-01 $284,950 (19.2%) $375,115 (27.5%) 0.00 245
2020-04-01 $274,900 (13.6%) $354,460 (16.9%) 0.00 254
2020-05-01 $265,000 (3.7%) $355,941 (7.6%) 0.00 248
2020-06-01 $264,900 (1.9%) $372,791 (12.4%) 0.00 212
2020-07-01 $271,700 (2.0%) $373,565 (9.7%) 0.00 198
2020-08-01 $269,000 (1.7%) $391,703 (16.3%) 0.00 175
2020-09-01 $259,900 (0.0%) $371,445 (11.4%) 0.00 181
2020-10-01 $254,000 (-2.3%) $330,364 (-4.0%) 0.00 141
2020-11-01 $249,000 (-4.2%) $333,638 (-4.4%) 0.00 137
2020-12-01 $234,950 (-7.8%) $320,787 (-4.5%) 0.00 123
2021-01-01 $229,900 (-10.2%) $313,639 (-10.5%) 0.00 108
2021-02-01 $237,400 (-11.5%) $340,501 (-7.3%) 0.00 100
2021-03-01 $249,950 (-12.3%) $357,870 (-4.6%) 0.00 102
2021-04-01 $237,000 (-13.8%) $348,261 (-1.8%) 0.00 106
2021-05-01 $235,900 (-11.0%) $341,906 (-3.9%) 0.00 101
2021-06-01 $257,450 (-2.8%) $392,507 (5.3%) 0.00 116
2021-07-01 $274,900 (1.2%) $426,083 (14.1%) 0.00 119
2021-08-01 $287,400 (6.8%) $420,355 (7.3%) 0.00 120
2021-09-01 $298,250 (14.8%) $437,858 (17.9%) 0.00 124
2021-10-01 $299,000 (17.7%) $398,030 (20.5%) 0.00 118
2021-11-01 $257,450 (3.4%) $391,792 (17.4%) 0.00 99
2021-12-01 $249,950 (6.4%) $390,213 (21.6%) 0.00 89
2022-01-01 $250,000 (8.7%) $379,626 (21.0%) 0.00 70
2022-02-01 $249,950 (5.3%) $366,490 (7.6%) 0.00 57
2022-03-01 $286,950 (14.8%) $362,623 (1.3%) 0.00 68
2022-04-01 $315,000 (32.9%) $392,859 (12.8%) 0.00 74
2022-05-01 $346,000 (46.7%) $405,195 (18.5%) 0.00 98
Baraboo's median listing price for 2022-05-01 was $346,000, a difference of $110,100 (46.7%) versus the prior year and $31,000 versus the prior month.

Baraboo's median listing price comes in at 0% of the national average.

Baraboo's average listing price for 2022-05-01 was $405,195, a difference of $63,289 (18.5%) versus the prior year and $12,336 versus the prior month.

For the 2022-05-01 period, Baraboo had 98 MLS listings, a difference of 24 listings (32%) versus the prior month and -3 listings (-3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,800 sqft
2018-02-01 0 days 1,822 sqft
2018-03-01 0 days 1,832 sqft
2018-04-01 0 days 1,916 sqft
2018-05-01 0 days 1,904 sqft
2018-06-01 0 days 1,896 sqft
2018-07-01 0 days 1,954 sqft
2018-08-01 0 days 1,961 sqft
2018-09-01 0 days 2,000 sqft
2018-10-01 0 days 1,886 sqft
2018-11-01 0 days 1,788 sqft
2018-12-01 0 days 1,784 sqft
2019-01-01 0 days 1,784 sqft
2019-02-01 0 days 1,777 sqft
2019-03-01 0 days 1,749 sqft
2019-04-01 0 days 1,784 sqft
2019-05-01 0 days 1,876 sqft
2019-06-01 0 days 1,911 sqft
2019-07-01 0 days 1,974 sqft
2019-08-01 0 days 1,925 sqft
2019-09-01 0 days 1,888 sqft
2019-10-01 0 days 1,898 sqft
2019-11-01 0 days 1,800 sqft
2019-12-01 0 days 1,784 sqft
2020-01-01 0 days 1,836 sqft
2020-02-01 0 days 1,810 sqft
2020-03-01 0 days 1,929 sqft
2020-04-01 0 days 1,920 sqft
2020-05-01 0 days 1,900 sqft
2020-06-01 0 days 1,827 sqft
2020-07-01 0 days 1,920 sqft
2020-08-01 0 days 1,786 sqft
2020-09-01 0 days 1,785 sqft
2020-10-01 0 days 1,800 sqft
2020-11-01 0 days 1,743 sqft
2020-12-01 0 days 1,661 sqft
2021-01-01 0 days 1,620 sqft
2021-02-01 0 days 1,643 sqft
2021-03-01 0 days 1,738 sqft
2021-04-01 0 days 1,693 sqft
2021-05-01 0 days 1,600 sqft
2021-06-01 0 days 1,761 sqft
2021-07-01 0 days 1,789 sqft
2021-08-01 0 days 1,832 sqft
2021-09-01 0 days 1,931 sqft
2021-10-01 0 days 1,856 sqft
2021-11-01 0 days 1,681 sqft
2021-12-01 0 days 1,776 sqft
2022-01-01 0 days 1,738 sqft
2022-02-01 0 days 1,632 sqft
2022-03-01 0 days 1,656 sqft
2022-04-01 0 days 1,604 sqft
2022-05-01 0 days 1,778 sqft
Baraboo's median listing age (time on market) for 2022-05-01 was 0 days.

Baraboo's median square footage for active listings during the 2022-05-01 period was 1,778 sqft. One year prior, the average listing was 1,600 sqft.