Baraboo Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Baraboo averaged 6.71% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.64% and one month ago for the week of 2024-10-03, the average rate was 6.14%.

    Baraboo's average rate one year ago was 7.38%.

    For refis of the same type during the week of 2024-11-07, the average rate was 7.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Baraboo 30 Year Fixed Rate 2024-11-07 6.71%
    Baraboo 30 Year Fixed Rate Refi 2024-11-07 7.29%
    Baraboo 15 Year Fixed Rate 2024-11-07 6.1%
    Baraboo 15 Year Fixed Rate Refi 2024-11-07 6.6%
    Baraboo 30 Year FHA 2024-11-07 6.63%
    Baraboo 30 Year FHA Refi 2024-11-07 6.53%
    Baraboo 30 Year USDA 2024-11-07 6.28%
    Baraboo 30 Year USDA Refi 2024-11-07 6.68%
    Baraboo 30 Year VA 2024-11-07 6.14%
    Baraboo 30 Year VA Refi 2024-11-07 6.54%
    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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Summit Credit Union 64 6.57% $2,753
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 50 6.78% $3,603
    University of Wisconsin Credit Union 36 6.31% $2,679
    GUILD MORTGAGE COMPANY 26 6.94% $5,367
    THOMPSON KANE & COMPANY, LLC 17 6.95% $5,057
    QUICKEN LOANS, LLC 15 6.87% $6,762
    Prosperity Home Mortgage, LLC 15 6.41% $4,890
    U.S. Bank 9 6.75% $3,450
    Royal Bank 9 6.54% $2,962
    Associated Bank 8 6.61% $2,798
    Bell Bank 8 6.75% $5,579
    NEWREZ LLC 7 6.87% $3,882
    Barrington Bank & Trust Company, N.A. 4 6.46% $4,703
    BMO Harris Bank 4 6.69% $4,553
    ALTRA 4 7.04% $3,016
    The Park Bank 4 6.50% $1,901
    CROSSCOUNTRY MORTGAGE, LLC 4 7.72% $6,231
    DAS Acquisition Company, LLC 4 7.28% $4,100
    WINGS FINANCIAL 3 6.42% $2,960
    Johnson Bank 3 6.33% $2,564
    IncredibleBank 3 6.29% $3,634
    Heartland Credit Union (Madison) 3 6.33% $2,280
    State Bank of Cross Plains 3 6.71% $2,512
    Mr. Cooper ( Nationstar Mortgage ) 3 6.20% $6,008
    UNITED WHOLESALE MORTGAGE, LLC 3 7.00% $5,171
    BETTER MORTGAGE CORPORATION 2 6.75% $7,044
    PENNYMAC LOAN SERVICES, LLC 2 7.81% $7,227
    CARDINAL FINANCIAL 2 6.06% $4,686
    Nations Lending Corporation 2 7.38% $3,327
    Bank of Sun Prairie 2 6.75% $5,354
    Settlers Bank 2 5.56% $2,699
    CORNERSTONE HOME LENDING, INC. 2 6.13% $4,139
    The Bank of New Glarus 2 5.62% $3,037
    Great Midwest Bank, S.S.B. 2 7.06% $2,985
    Wells Fargo Bank 2 6.31% $9,034
    MOVEMENT MORTGAGE, LLC 2 7.16% $6,502
    Waukesha State Bank 1 5.50% $3,337
    Think Mutual Bank 1 6.25% $3,347
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 8.00% $7,962
    AmeriHome Mortgage Company, LLC 1 6.50% $2,829
    A + MORTGAGE SERVICES, INC. 1 6.38% $7,047
    AmRes Corporation 1 7.13% $3,650
    Badger Bank 1 6.88% $3,081
    Bank First, N.A. 1 6.63% $2,633
    Bank Five Nine 1 7.25% $3,254
    CALIBER HOME LOANS, INC. 1 7.38% $2,234
    Connexus Credit Union 1 6.24% $1,400
    CO-OP Credit Union 1 6.88% $2,818
    DUPACO COMMUNITY 1 6.00% $3,045
    ENDEAVOR CAPITAL, LLC. 1 8.63% $6,979
    ENVOY MORTGAGE, LTD 1 7.63% $3,783
    Fifth Third Bank 1 7.50% $4,689
    First Community Credit Union 1 6.38% $2,045
    FIRST NORTHERN Credit Union 1 6.13% $1,826
    First Savings Bank 1 7.38% $4,059
    Frandsen Bank & Trust 1 6.76% $3,696
    GATEWAY MORTGAGE CORPORATION 1 6.13% $2,262
    GUARANTEED RATE AFFINITY, LLC 1 7.13% $0
    Home Federal Savings Bank 1 6.00% $6,186
    HOMEXPRESS MORTGAGE CORP. 1 9.25% $15,353
    Landmark Credit Union 1 6.28% $2,063
    Merchants Bank 1 5.90% $5,718
    Morgan Stanley Private Bank 1 5.85% $3,245
    MORTGAGE ACCESS CORP. 1 6.38% $7,476
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $9,608
    NBKC BANK 1 7.38% $2,263
    Prevail Bank 1 5.75% $2,904
    Quontic Bank 1 9.25% $9,302
    SUCCESS MORTGAGE PARTNERS, INC. 1 7.25% $17,051
    The Huntington National Bank 1 8.25% $4,959
    AFFINITY PLUS 1 7.00% $3,659
    USAA Federal Savings Bank 1 6.88% $2,444
    Waterstone Mortgage Corporation 1 6.50% $4,687

    Baraboo Average Closing Costs & Other Stats

    Baraboo, WI's 73 lenders originated 1,467 loans during 2023. The total origination value was $246,235,000, with an average loan value of $167,849.

    Baraboo's average closing costs are $3,739.

    The top Baraboo lender as defined by loan originations is Summit Credit Union, with 64 loans originated. Their average total fees are $2,753, which is $850 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Baraboo lenders (with over 10 loans originated) are University of Wisconsin Credit Union ($2,679), Summit Credit Union ($2,753), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,603), Prosperity Home Mortgage, LLC ($4,890) and THOMPSON KANE & COMPANY, LLC ($5,057).

    The lowest rate Baraboo lenders (with over 10 loans originated) are University of Wisconsin Credit Union (6.31%), Prosperity Home Mortgage, LLC (6.41%), Summit Credit Union (6.57%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.78%) and QUICKEN LOANS, LLC (6.87%).

    Baraboo, WI Mortgage 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Summit Credit Union $54,110,000 $46,955,000 -13.2% 19.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $23,920,000 $16,545,000 -30.8% 6.7%
    University of Wisconsin Credit Union $18,915,000 $13,590,000 -28.2% 5.5%
    GUILD MORTGAGE COMPANY $13,820,000 $11,135,000 -19.4% 4.5%
    Baraboo State Bank $16,185,000 $10,735,000 -33.7% 4.4%
    Bank of Wisconsin Dells $7,405,000 $5,525,000 -25.4% 2.2%
    QUICKEN LOANS, LLC $9,030,000 $5,425,000 -39.9% 2.2%
    The Peoples Community Bank $9,735,000 $5,215,000 -46.4% 2.1%
    Prosperity Home Mortgage, LLC $10,540,000 $5,175,000 -50.9% 2.1%
    BMO Harris Bank $9,145,000 $5,065,000 -44.6% 2.1%
    Mortgage Research Center, LLC $2,620,000 $4,780,000 82.4% 1.9%
    THOMPSON KANE & COMPANY, LLC $5,595,000 $4,705,000 -15.9% 1.9%
    Merchants Bank $4,135,000 n/a 1.7%
    U.S. Bank $5,550,000 $4,130,000 -25.6% 1.7%
    Bell Bank $930,000 $4,125,000 343.5% 1.7%
    Royal Bank $4,700,000 $3,860,000 -17.9% 1.6%
    UNITED WHOLESALE MORTGAGE, LLC $2,975,000 $3,215,000 8.1% 1.3%
    Barrington Bank & Trust Company, N.A. $2,490,000 $2,865,000 15.1% 1.2%
    Johnson Bank $500,000 $2,860,000 472.0% 1.2%
    CROSSCOUNTRY MORTGAGE, LLC $1,450,000 $2,730,000 88.3% 1.1%
    NEWREZ LLC $1,830,000 $2,385,000 30.3% 1.0%
    Associated Bank $4,020,000 $1,835,000 -54.4% 0.7%
    Prevail Bank $2,385,000 $1,755,000 -26.4% 0.7%
    The Park Bank $1,425,000 $1,700,000 19.3% 0.7%
    The Bank of Brodhead $1,680,000 n/a 0.7%
    CARDINAL FINANCIAL $375,000 $1,640,000 337.3% 0.7%
    DAS Acquisition Company, LLC $805,000 $1,570,000 95.0% 0.6%
    PENNYMAC LOAN SERVICES, LLC $1,910,000 $1,540,000 -19.4% 0.6%
    DEEPHAVEN MORTGAGE LLC $1,505,000 n/a 0.6%
    Wells Fargo Bank $3,045,000 $1,310,000 -57.0% 0.5%
    ALTRA $540,000 $1,140,000 111.1% 0.5%
    Heartland Credit Union (Madison) $1,750,000 $1,120,000 -36.0% 0.5%
    State Bank of Cross Plains $4,965,000 $1,100,000 -77.8% 0.4%
    The Bank of New Glarus $970,000 n/a 0.4%
    MARINE $420,000 $960,000 128.6% 0.4%
    Paramount Residential Mortgage Group, Inc. $745,000 $950,000 27.5% 0.4%
    IncredibleBank $255,000 $935,000 266.7% 0.4%
    Settlers Bank $2,830,000 $935,000 -67.0% 0.4%
    State Bank Financial $875,000 n/a 0.4%
    NBKC BANK $175,000 $870,000 397.1% 0.4%
    COMPEER FINANCIAL, FLCA $5,510,000 $865,000 -84.3% 0.4%
    Central Bank Illinois $855,000 n/a 0.3%
    DUPACO COMMUNITY $765,000 n/a 0.3%
    WINGS FINANCIAL $55,000 $765,000 1,290.9% 0.3%
    CORNERSTONE HOME LENDING, INC. $2,545,000 $760,000 -70.1% 0.3%
    Bank Five Nine $510,000 $750,000 47.1% 0.3%
    Bank of Deerfield $105,000 $695,000 561.9% 0.3%
    Bank of America $195,000 $690,000 253.8% 0.3%
    Bank of Sun Prairie $490,000 $680,000 38.8% 0.3%
    FREEDOM MORTGAGE CORPORATION $1,345,000 $680,000 -49.4% 0.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $820,000 $650,000 -20.7% 0.3%
    LOANDEPOT.COM, LLC $2,270,000 $640,000 -71.8% 0.3%
    Connexus Credit Union $720,000 $630,000 -12.5% 0.3%
    HOMEXPRESS MORTGAGE CORP. $605,000 n/a 0.2%
    DMB Community Bank $545,000 $580,000 6.4% 0.2%
    Old National Bank $2,780,000 $575,000 -79.3% 0.2%
    Frandsen Bank & Trust $570,000 n/a 0.2%
    Mound City Bank $355,000 $545,000 53.5% 0.2%
    Village Bank & Trust $545,000 n/a 0.2%
    Waukesha State Bank $545,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $520,000 n/a 0.2%
    First Community Bank $510,000 n/a 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $930,000 $495,000 -46.8% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $650,000 $495,000 -23.8% 0.2%
    Nations Lending Corporation $1,125,000 $490,000 -56.4% 0.2%
    Great Midwest Bank, S.S.B. $35,000 $485,000 1,285.7% 0.2%
    Landmark Credit Union $655,000 $485,000 -26.0% 0.2%
    MOVEMENT MORTGAGE, LLC $205,000 $480,000 134.1% 0.2%
    ENVOY MORTGAGE, LTD $500,000 $465,000 -7.0% 0.2%
    FOX COMMUNITIES $435,000 n/a 0.2%
    The Huntington National Bank $1,205,000 $430,000 -64.3% 0.2%
    AMERISAVE MORTGAGE CORPORATION $1,735,000 $420,000 -75.8% 0.2%
    BROKER SOLUTIONS, INC. $705,000 $405,000 -42.6% 0.2%
    BankVista $385,000 n/a 0.2%
    DRAPER AND KRAMER MORTGAGE CORP. $365,000 n/a 0.1%
    Morgan Stanley Private Bank $1,125,000 $355,000 -68.4% 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $355,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $230,000 $345,000 50.0% 0.1%
    Discover Bank $95,000 $335,000 252.6% 0.1%
    GUARANTEED RATE AFFINITY, LLC $305,000 $335,000 9.8% 0.1%
    Home Federal Savings Bank $335,000 n/a 0.1%
    Carrington Mortgage Services, LLC $455,000 $325,000 -28.6% 0.1%
    Fifth Third Bank $155,000 $295,000 90.3% 0.1%
    AmeriHome Mortgage Company, LLC $405,000 $285,000 -29.6% 0.1%
    WNB Financial, N.A. $285,000 n/a 0.1%
    Badger Bank $185,000 $275,000 48.6% 0.1%
    CALIBER HOME LOANS, INC. $730,000 $275,000 -62.3% 0.1%
    COMPASS MORTGAGE, INC. $275,000 n/a 0.1%
    MORTGAGE ACCESS CORP. $275,000 n/a 0.1%
    Quontic Bank $275,000 n/a 0.1%
    NAVY FEDERAL CREDIT UNION $590,000 $265,000 -55.1% 0.1%
    Equity Prime Mortgage LLC $185,000 $245,000 32.4% 0.1%
    SELFRELIANCE $650,000 $245,000 -62.3% 0.1%
    CO-OP Credit Union $235,000 n/a 0.1%
    First Community Credit Union $235,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $495,000 $225,000 -54.5% 0.1%
    NEW DAY FINANCIAL, LLC $635,000 $225,000 -64.6% 0.1%
    PLAZA HOME MORTGAGE, INC. $225,000 n/a 0.1%
    Citizens State Bank of La Crosse $835,000 $210,000 -74.9% 0.1%
    USAA Federal Savings Bank $700,000 $210,000 -70.0% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $205,000 n/a 0.1%
    First Savings Bank $205,000 n/a 0.1%
    Think Mutual Bank $205,000 n/a 0.1%
    Farmers State Bank $195,000 n/a 0.1%
    Figure Lending LLC $90,000 $195,000 116.7% 0.1%
    GATEWAY MORTGAGE CORPORATION $195,000 n/a 0.1%
    Bank First, N.A. $260,000 $190,000 -26.9% 0.1%
    GREENSTATE CREDIT UNION $185,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $185,000 n/a 0.1%
    V.I.P. MORTGAGE, INC. $185,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $255,000 $175,000 -31.4% 0.1%
    VILLAGE CAPITAL MORTGAGE $185,000 $175,000 -5.4% 0.1%
    A + MORTGAGE SERVICES, INC. $500,000 $165,000 -67.0% 0.1%
    Horicon Bank $165,000 n/a 0.1%
    Resource Bank, N.A. $165,000 n/a 0.1%
    Waterstone Mortgage Corporation $135,000 $165,000 22.2% 0.1%
    AFFINITY PLUS $155,000 n/a 0.1%
    North Shore Bank FSB $155,000 n/a 0.1%
    NATIONS RELIABLE LENDING, LLC $290,000 $145,000 -50.0% 0.1%
    Oregon Community Bank $4,005,000 $145,000 -96.4% 0.1%
    Coastal Community Bank $140,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $270,000 $135,000 -50.0% 0.1%
    CAPITAL Credit Union $125,000 n/a 0.1%
    Farmers Savings Bank $690,000 $125,000 -81.9% 0.1%
    Fidelity Bank & Trust $125,000 n/a 0.1%
    The State Bank of Faribault $125,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $240,000 $115,000 -52.1% 0.0%
    National Exchange Bank and Trust $35,000 $110,000 214.3% 0.0%
    AmRes Corporation $105,000 n/a 0.0%
    FIRST NORTHERN Credit Union $105,000 n/a 0.0%
    The First National Bank of Bangor $95,000 n/a 0.0%
    SPRING EQ, LLC $85,000 n/a 0.0%
    1st Community Credit Union $400,000 $75,000 -81.3% 0.0%
    Blackhawk Bank $75,000 $75,000 0.0% 0.0%
    Deere Employees Credit Union $55,000 n/a 0.0%
    Royal Credit Union $275,000 $55,000 -80.0% 0.0%
    Blackhawk Community Credit Union $35,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $35,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $205,000 $35,000 -82.9% 0.0%
    Community First Credit Union $25,000 n/a 0.0%
    EDUCATORS CREDIT UNION $25,000 n/a 0.0%
    GOVERNMENTAL EMPLOYEES $25,000 n/a 0.0%
    LAKEVIEW LOAN SERVICING, LLC $465,000 $25,000 -94.6% 0.0%
    Monona Bank $6,775,000 $25,000 -99.6% 0.0%
    The Equitable Bank, S.S.B. $205,000 $15,000 -92.7% 0.0%

    Baraboo's top lender by overall market share is Summit Credit Union, with 19.1% market share. In second place, with 6.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $16,545,000 in loans. In third place, with 5.5%, is University of Wisconsin Credit Union, having originated $13,590,000 in loans. In fourth place, with 4.5%, is GUILD MORTGAGE COMPANY, having originated $11,135,000 in loans. In fifth place, with 4.4%, is Baraboo State Bank, having originated $10,735,000 in loans.

    Baraboo, WI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 671 $170,975,000 $254,806
    Refi 229 $24,095,000 $105,218
    Other 205 $13,455,000 $65,634
    Cash Out Refi 190 $25,030,000 $131,737
    Home Improvement 172 $12,680,000 $73,721

    Baraboo's most frequently cited loan purpose was Home Purchase, with 671 originations. The 2nd most popular reason was Refi, with 229 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 364 $84,320,000 $231,648
    <2.5% 263 $19,335,000 $73,517
    7-8% 248 $48,970,000 $197,460
    Over 8% 213 $19,795,000 $92,934
    5-6% 149 $37,325,000 $250,503
    4-5% 52 $4,690,000 $90,192
    2.5-3% 30 $2,480,000 $82,667
    3-4% 23 $1,425,000 $61,957

    During 2023, Baraboo's most frequently originated rate bucket was 6-7%, with 364 originations.

    Loan Sizing (Baraboo, WI MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 598 $29,850,000 $49,916
    $200k-400k 413 $113,955,000 $275,920
    $100k-200k 378 $55,340,000 $146,402
    $400k-600k 59 $28,135,000 $476,864
    $600k-1000k 13 $9,825,000 $755,769
    $Over $1MM 6 $9,130,000 $1,521,667

    Baraboo's loan sizing saw the bucket of loans from $100,000 or less with 598 originations, totaling $29,850,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 379 $99,255,000 $261,887
    Under 20% 349 $14,885,000 $42,650
    20-40% 268 $23,460,000 $87,537
    60-80% 210 $50,280,000 $239,429
    40-60% 124 $24,370,000 $196,532
    Over 100% 10 $5,790,000 $579,000

    Baraboo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 379 originations, totaling $99,255,000 in origination value.