Baraboo Mortgage Rates

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    • 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.