Beaver Dam Mortgage Rates

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

30 Year Fixed Rate mortgages in Beaver Dam averaged 6.31% 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 6.08% and one month ago for the week of 2022-05-19, the average rate was 5.55%.

Beaver Dam's average rate one year ago was 3.17%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Beaver Dam 30 Year Fixed Rate 2022-06-23 6.31%
Beaver Dam 30 Year Fixed Rate Refi 2022-06-23 5.91%
Beaver Dam 15 Year Fixed Rate 2022-06-23 6.15%
Beaver Dam 15 Year Fixed Rate Refi 2022-06-23 4.89%
Beaver Dam 30 Year FHA 2022-06-23 0.14%
Beaver Dam 30 Year FHA Refi 2022-06-23 0.28%
Beaver Dam 30 Year USDA 2022-06-23 0.36%
Beaver Dam 30 Year USDA Refi 2022-06-23 0.41%
Beaver Dam 30 Year VA 2022-06-23 0.07%
Beaver Dam 30 Year VA Refi 2022-06-23 0.04%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Beaver Dam, WI.

Beaver Dam 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 Beaver Dam, 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 157 2.99% $2,316
Horicon Bank 130 3.08% $1,278
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 119 3.22% $2,975
Landmark Credit Union 113 3.15% $1,784
QUICKEN LOANS, LLC 67 3.08% $4,571
Associated Bank 66 3.05% $1,949
National Exchange Bank and Trust 48 3.21% $1,298
Fox Valley Savings Bank 38 3.01% $1,063
NEWREZ LLC 33 3.10% $2,483
Wells Fargo Bank 33 3.21% $2,425
U.S. Bank 30 3.17% $2,162
University of Wisconsin Credit Union 26 2.93% $2,743
Bank Five Nine 26 3.17% $2,110
LOANDEPOT.COM, LLC 23 3.29% $4,810
WISCONSIN MORTGAGE CORPORATION 23 3.15% $2,801
PARKSIDE LENDING, LLC 22 3.02% $3,122
Bankers' Bank 22 3.14% $2,097
CMG MORTGAGE, INC. 22 3.24% $3,803
Paramount Residential Mortgage Group, Inc. 21 3.39% $2,973
UNITED WHOLESALE MORTGAGE, LLC 20 3.05% $3,784
A + MORTGAGE SERVICES, INC. 20 3.03% $1,765
Mr. Cooper ( Nationstar Mortgage ) 19 3.45% $4,093
COMPEER FINANCIAL, FLCA 18 3.86% $3,263
GUARANTEED RATE, INC. 18 3.09% $2,778
JPMorgan Chase Bank 18 3.30% $2,422
Ixonia Bank 15 3.03% $2,115
Bank of England 13 3.35% $2,878
CALIBER HOME LOANS, INC. 13 3.14% $2,051
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 13 3.23% $4,204
Bell Bank 13 3.12% $2,194
Hometown Bank 13 3.22% $1,476
PLANET HOME LENDING, LLC 12 2.84% $2,165
Servion, Inc. 12 2.92% $1,850
Deere Employees Credit Union 12 2.74% $2,517
Prosperity Home Mortgage, LLC 12 3.06% $2,436
First Federal Bank 12 3.05% $2,105
INLANTA MORTGAGE, INC. 11 3.05% $2,474
Westbury Bank 9 2.92% $1,516
GSF Mortgage Corporation 9 3.14% $2,021
Barrington Bank & Trust Company, N.A. 9 3.07% $3,036
Waukesha State Bank 8 3.08% $1,765
FIRST STATE MORTGAGE SERVICES, LLC 8 3.09% $2,538
DAS Acquisition Company, LLC 7 3.30% $3,943
MARINE 7 8.73% $4,388
BMO Harris Bank 7 3.23% $2,976
TOTAL MORTGAGE SERVICES, LLC 7 3.25% $3,986
Johnson Bank 7 2.76% $2,698
Old National Bank 7 3.05% $2,392
VERVE, A CREDIT UNION 7 3.11% $1,381
GUILD MORTGAGE COMPANY 7 2.98% $4,694
Bank First, N.A. 6 3.63% $2,322
FINANCE OF AMERICA MORTGAGE LLC 6 3.33% $2,999
AMERISAVE MORTGAGE CORPORATION 6 3.10% $6,284
THOMPSON KANE & COMPANY, LLC 6 2.81% $2,095
Carrington Mortgage Services, LLC 6 3.08% $4,955
FREEDOM MORTGAGE CORPORATION 6 3.23% $2,057
PremierBank 6 2.95% $1,496
The Equitable Bank, S.S.B. 6 2.83% $2,131
V.I.P. MORTGAGE, INC. 5 3.25% $3,793
HOME POINT FINANCIAL CORPORATION 5 3.17% $3,079
EDUCATORS CREDIT UNION 5 2.98% $1,720
Bank of Sun Prairie 5 2.95% $2,896
Flagstar Bank, FSB 5 2.95% $2,672
Great Midwest Bank, S.S.B. 4 3.29% $2,340
Farmers & Merchants State Bank 4 2.91% $1,957
Oregon Community Bank 4 3.13% $2,190
CROSSCOUNTRY MORTGAGE, LLC 4 3.15% $2,903
BETTER MORTGAGE CORPORATION 4 3.19% $3,240
PENNYMAC LOAN SERVICES, LLC 4 3.81% $4,193
Nations Lending Corporation 3 2.75% $6,059
North Shore Bank FSB 3 2.92% $1,766
PyraMax Bank, FSB 3 3.13% $2,055
STEARNS LENDING, LLC 3 3.00% $2,760
The Greenwood's State Bank 3 3.25% $1,421
The Park Bank 3 2.96% $1,819
Tri City National Bank 3 3.00% $3,246
Waterstone Mortgage Corporation 3 3.46% $3,012
ACADEMY MORTGAGE CORPORATION 3 3.21% $2,491
FIRST CENTENNIAL MORTGAGE CORPORATION 3 3.21% $2,146
Glacier Hills Credit Union 3 3.75% $1,233
ALTRA 3 3.47% $2,545
BROKER SOLUTIONS, INC. 3 3.11% $3,525
CIBM Bank 3 3.13% $1,634
HERITAGE CREDIT UNION 2 3.13% $1,158
GUARANTEED RATE AFFINITY, LLC 2 3.38% $3,012
FOND DU LAC 2 3.38% $1,224
First Guaranty Mortgage Corporation 2 2.69% $5,272
UNION HOME MORTGAGE CORP. 2 3.69% $3,002
Ally Bank 2 2.56% $3,151
TOWNE MORTGAGE COMPANY 2 3.25% $2,325
DMB Community Bank 2 2.88% $1,928
SUCCESS MORTGAGE PARTNERS, INC. 2 3.31% $3,303
American Mortgage & Equity Consultants, Inc. 2 3.25% $4,608
CHERRY CREEK MORTGAGE, LLC 2 3.63% $736
AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 3.75% $3,426
AMERICAN PACIFIC MORTGAGE CORPORATION 2 2.99% $2,277
Citizens Bank 2 2.88% $1,395
Settlers Bank 2 3.13% $2,730
CoVantage Credit Union 2 3.38% $3,794
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.63% $2,917
Monona Bank 2 3.19% $2,232
COMPASS MORTGAGE, INC. 2 3.06% $3,990
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.25% $2,908
Community First Credit Union 2 2.94% $1,799
HOMESIDE FINANCIAL, LLC 2 3.31% $3,916
Wolf River Community Bank 1 3.00% $3,046
AmeriHome Mortgage Company, LLC 1 3.25% $2,320
Arvest Bank 1 3.63% $2,580
AXIA FINANCIAL, LLC 1 3.63% $2,803
Badger Bank 1 3.00% $4,000
Bank of Deerfield 1 3.00% $1,385
Baxter Credit Union 1 2.75% $1,175
Blackhawk Community Credit Union 1 3.50% $1,812
BLUELEAF LENDING, LLC 1 2.99% $3,162
Bremer Bank 1 3.25% $2,112
CELEBRITY HOME LOANS, LLC 1 2.63% $2,660
Central Bank Illinois 1 3.38% $2,737
CIBC Bank USA 1 2.25% $4,303
Citizens Bank 1 2.88% $5,226
Colten Mortgage, LLC 1 3.38% $3,153
Commerce State Bank 1 3.25% $1,315
Dane County Credit Union 1 2.88% $2,847
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.50% $3,705
Discover Bank 1 3.99% $0
EMBRACE HOME LOANS, INC. 1 3.13% $5,332
EMM LOANS LLC 1 2.88% $6,239
ENVOY MORTGAGE, LTD 1 2.99% $4,847
EVERETT FINANCIAL, INC. 1 3.38% $2,001
First National Bank of Omaha 1 3.00% $1,660
Flanagan State Bank 1 3.50% $2,390
FOX COMMUNITIES 1 2.75% $0
Guardian Credit Union 1 2.88% $1,645
Heartland Credit Union (Madison) 1 2.75% $1,931
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.25% $2,760
HOMESTEAD FUNDING CORP. 1 3.00% $3,225
Honor Credit Union 1 3.88% $2,022
KELLER MORTGAGE, LLC 1 3.00% $1,290
Kohler Credit Union 1 2.88% $2,467
LAKEVIEW LOAN SERVICING, LLC 1 3.50% $6,431
LEADERONE FINANCIAL CORPORATION 1 2.88% $1,988
LENDSURE MORTGAGE CORP. 1 5.38% $11,452
MICHIGAN MUTUAL, INC. 1 4.25% $2,281
NAVY FEDERAL CREDIT UNION 1 3.25% $1,211
NBKC BANK 1 2.75% $1,644
Northpointe Bank 1 2.95% $1,873
NORTHWESTERN MUTUAL 1 4.05% $1,603
Plains Commerce Bank 1 3.50% $4,426
PNC Bank 1 3.13% $2,574
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.25% $2,333
ROYAL UNITED MORTGAGE LLC 1 2.63% $6,026
Sierra Pacific Mortgage Company, Inc. 1 2.88% $6,030
Starion Bank 1 2.50% $2,491
State Bank of Cross Plains 1 2.75% $1,853
Stifel Bank and Trust 1 3.13% $1,876
T2 FINANCIAL LLC 1 3.13% $2,398
The Bank of New Glarus 1 4.25% $2,536
The Federal Savings Bank 1 3.25% $3,830
The Port Washington State Bank 1 3.13% $2,824
TJC Mortgage, Inc. 1 2.88% $4,795
Truist Bank 1 2.70% $3,835
VAN DYK MORTGAGE CORPORATION 1 3.25% $2,327
WINGS FINANCIAL 1 2.88% $2,391

Beaver Dam, WI's 162 lenders originated 4,403 loans during 2021. The total origination value was $726,415,000, with an average loan value of $164,982.

The top Beaver Dam lender as defined by loan originations is Summit Credit Union, with 157 loans originated. Their average total fees are $2,316, which is $1,038 higher than the next largest lender, Horicon Bank.

The lowest fee Beaver Dam lenders (with over 10 loans originated) are Fox Valley Savings Bank ($1,063), Horicon Bank ($1,278), National Exchange Bank and Trust ($1,298), Hometown Bank ($1,476) and A + MORTGAGE SERVICES, INC. ($1,765).

The lowest rate Beaver Dam lenders (with over 10 loans originated) are Deere Employees Credit Union (2.74%), PLANET HOME LENDING, LLC (2.84%), Servion, Inc. (2.92%), University of Wisconsin Credit Union (2.93%) and Summit Credit Union (2.99%).

Beaver Dam, 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 $51,085,000 $64,955,000 27.2% 8.9%
Landmark Credit Union $52,080,000 $57,075,000 9.6% 7.9%
Horicon Bank $64,080,000 $51,500,000 -19.6% 7.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $31,745,000 $36,820,000 16.0% 5.1%
QUICKEN LOANS, LLC $28,330,000 $28,290,000 -0.1% 3.9%
Associated Bank $21,040,000 $24,060,000 14.4% 3.3%
National Exchange Bank and Trust $20,285,000 $20,655,000 1.8% 2.8%
U.S. Bank $14,280,000 $15,585,000 9.1% 2.1%
FREEDOM MORTGAGE CORPORATION $10,135,000 $12,970,000 28.0% 1.8%
Wells Fargo Bank $9,930,000 $12,540,000 26.3% 1.7%
University of Wisconsin Credit Union $7,645,000 $11,670,000 52.6% 1.6%
UNITED WHOLESALE MORTGAGE, LLC $10,595,000 $10,260,000 -3.2% 1.4%
Fox Valley Savings Bank $14,340,000 $10,035,000 -30.0% 1.4%
NEWREZ LLC $3,150,000 $9,740,000 209.2% 1.3%
Bank Five Nine $11,205,000 $9,705,000 -13.4% 1.3%
LOANDEPOT.COM, LLC $4,335,000 $9,375,000 116.3% 1.3%
First Midwest Bank $9,170,000 n/a 1.3%
Farmers and Merchants Union Bank $10,900,000 $9,010,000 -17.3% 1.2%
CMG MORTGAGE, INC. $9,360,000 $8,930,000 -4.6% 1.2%
WISCONSIN MORTGAGE CORPORATION $5,190,000 $8,590,000 65.5% 1.2%
VERVE, A CREDIT UNION $1,115,000 $7,545,000 576.7% 1.0%
Bankers' Bank $7,335,000 n/a 1.0%
BMO Harris Bank $6,445,000 $7,160,000 11.1% 1.0%
COMPEER FINANCIAL, FLCA $8,545,000 $7,115,000 -16.7% 1.0%
PremierBank $4,820,000 $7,000,000 45.2% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $5,175,000 $6,700,000 29.5% 0.9%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,485,000 $6,500,000 0.2% 0.9%
Paramount Residential Mortgage Group, Inc. $1,205,000 $6,430,000 433.6% 0.9%
PARKSIDE LENDING, LLC $6,425,000 $6,130,000 -4.6% 0.8%
Mortgage Research Center, LLC $7,125,000 $6,085,000 -14.6% 0.8%
Bank First, N.A. $5,640,000 $5,585,000 -1.0% 0.8%
A + MORTGAGE SERVICES, INC. $6,955,000 $5,505,000 -20.8% 0.8%
GUARANTEED RATE, INC. $4,880,000 $5,435,000 11.4% 0.7%
Ixonia Bank $9,950,000 $5,430,000 -45.4% 0.7%
INLANTA MORTGAGE, INC. $8,660,000 $5,415,000 -37.5% 0.7%
FORTE BANK $3,690,000 $5,325,000 44.3% 0.7%
JPMorgan Chase Bank $5,800,000 $5,260,000 -9.3% 0.7%
North Shore Bank FSB $605,000 $4,970,000 721.5% 0.7%
Deere Employees Credit Union $4,705,000 $4,880,000 3.7% 0.7%
CALIBER HOME LOANS, INC. $4,845,000 $4,530,000 -6.5% 0.6%
Johnson Bank $3,805,000 $4,530,000 19.1% 0.6%
Westbury Bank $5,400,000 $4,355,000 -19.4% 0.6%
Bell Bank $3,670,000 $4,225,000 15.1% 0.6%
Waukesha State Bank $1,925,000 $4,200,000 118.2% 0.6%
Prosperity Home Mortgage, LLC $4,240,000 $4,160,000 -1.9% 0.6%
MARINE $4,715,000 $4,040,000 -14.3% 0.6%
GSF Mortgage Corporation $2,280,000 $3,880,000 70.2% 0.5%
DAS Acquisition Company, LLC $1,785,000 $3,850,000 115.7% 0.5%
PLANET HOME LENDING, LLC $400,000 $3,845,000 861.3% 0.5%
PENNYMAC LOAN SERVICES, LLC $1,080,000 $3,710,000 243.5% 0.5%
Hometown Bank $4,790,000 $3,685,000 -23.1% 0.5%
Bank of England $1,135,000 $3,530,000 211.0% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,215,000 $3,510,000 188.9% 0.5%
Old National Bank $1,905,000 $3,435,000 80.3% 0.5%
Barrington Bank & Trust Company, N.A. $2,215,000 $3,145,000 42.0% 0.4%
First Federal Bank $1,940,000 $3,065,000 58.0% 0.4%
GUILD MORTGAGE COMPANY $2,725,000 $2,990,000 9.7% 0.4%
HOME POINT FINANCIAL CORPORATION $2,810,000 $2,895,000 3.0% 0.4%
Farmers & Merchants State Bank $10,850,000 $2,830,000 -73.9% 0.4%
Servion, Inc. $2,990,000 $2,755,000 -7.9% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,020,000 $2,590,000 28.2% 0.4%
THOMPSON KANE & COMPANY, LLC $5,070,000 $2,570,000 -49.3% 0.4%
DMB Community Bank $1,245,000 $2,510,000 101.6% 0.3%
The Equitable Bank, S.S.B. $1,410,000 $2,385,000 69.1% 0.3%
FIRST STATE MORTGAGE SERVICES, LLC $2,935,000 $2,375,000 -19.1% 0.3%
BROKER SOLUTIONS, INC. $2,460,000 $2,240,000 -8.9% 0.3%
Carrington Mortgage Services, LLC $1,125,000 $2,165,000 92.4% 0.3%
FIRST CENTENNIAL MORTGAGE CORPORATION $2,525,000 $2,105,000 -16.6% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $555,000 $2,055,000 270.3% 0.3%
LAKEVIEW LOAN SERVICING, LLC $1,830,000 $1,975,000 7.9% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $1,170,000 $1,910,000 63.2% 0.3%
TOTAL MORTGAGE SERVICES, LLC $1,055,000 $1,905,000 80.6% 0.3%
Bank of Sun Prairie $2,180,000 $1,875,000 -14.0% 0.3%
Great Midwest Bank, S.S.B. $2,105,000 $1,810,000 -14.0% 0.2%
Glacier Hills Credit Union $1,985,000 $1,715,000 -13.6% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $710,000 $1,630,000 129.6% 0.2%
Flagstar Bank, FSB $2,690,000 $1,615,000 -40.0% 0.2%
USAA Federal Savings Bank $3,265,000 $1,605,000 -50.8% 0.2%
Luana Savings Bank $1,485,000 n/a 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $2,370,000 $1,460,000 -38.4% 0.2%
River Bank $1,455,000 n/a 0.2%
First Guaranty Mortgage Corporation $750,000 $1,370,000 82.7% 0.2%
STEARNS LENDING, LLC $3,200,000 $1,355,000 -57.7% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $930,000 $1,345,000 44.6% 0.2%
EDUCATORS CREDIT UNION $1,415,000 $1,340,000 -5.3% 0.2%
V.I.P. MORTGAGE, INC. $1,325,000 n/a 0.2%
The Greenwood's State Bank $2,095,000 $1,300,000 -37.9% 0.2%
The Port Washington State Bank $875,000 $1,300,000 48.6% 0.2%
Oregon Community Bank $1,110,000 $1,275,000 14.9% 0.2%
Waterstone Mortgage Corporation $1,555,000 $1,275,000 -18.0% 0.2%
CLEARPATH LENDING $1,515,000 $1,260,000 -16.8% 0.2%
CHERRY CREEK MORTGAGE, LLC $3,380,000 $1,250,000 -63.0% 0.2%
ACADEMY MORTGAGE CORPORATION $280,000 $1,160,000 314.3% 0.2%
PyraMax Bank, FSB $1,095,000 $1,155,000 5.5% 0.2%
ENVOY MORTGAGE, LTD $1,895,000 $1,115,000 -41.2% 0.2%
Citizens Bank $455,000 $1,050,000 130.8% 0.1%
CIBM Bank $1,450,000 $1,030,000 -29.0% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $685,000 $1,020,000 48.9% 0.1%
ALTRA $975,000 n/a 0.1%
The Park Bank $1,835,000 $960,000 -47.7% 0.1%
NEW DAY FINANCIAL, LLC $1,425,000 $910,000 -36.1% 0.1%
BETTER MORTGAGE CORPORATION $165,000 $900,000 445.5% 0.1%
Heartland Credit Union (Madison) $900,000 $855,000 -5.0% 0.1%
T2 FINANCIAL LLC $325,000 $785,000 141.5% 0.1%
The Federal Savings Bank $245,000 $770,000 214.3% 0.1%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $765,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $1,880,000 $755,000 -59.8% 0.1%
Commerce State Bank $1,560,000 $750,000 -51.9% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $690,000 $745,000 8.0% 0.1%
Baxter Credit Union $55,000 $730,000 1,227.3% 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $990,000 $695,000 -29.8% 0.1%
FOX COMMUNITIES $265,000 $670,000 152.8% 0.1%
FOND DU LAC $705,000 $660,000 -6.4% 0.1%
Settlers Bank $460,000 $650,000 41.3% 0.1%
Bank of Deerfield $2,855,000 $640,000 -77.6% 0.1%
American Mortgage & Equity Consultants, Inc. $265,000 $625,000 135.8% 0.1%
Nations Lending Corporation $810,000 $625,000 -22.8% 0.1%
CIBC Bank USA $605,000 n/a 0.1%
Badger Bank $1,055,000 $600,000 -43.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $135,000 $595,000 340.7% 0.1%
Truist Bank $1,125,000 $585,000 -48.0% 0.1%
Tri City National Bank $580,000 n/a 0.1%
LIBERTY HOME MORTGAGE CORPORATION $560,000 n/a 0.1%
TJC Mortgage, Inc. $560,000 n/a 0.1%
Town Bank, N.A. $225,000 $560,000 148.9% 0.1%
CoVantage Credit Union $735,000 $520,000 -29.3% 0.1%
First-Citizens Bank & Trust Company $240,000 $510,000 112.5% 0.1%
InterContinental Capital Group, Inc $235,000 $510,000 117.0% 0.1%
CORNERSTONE HOME LENDING, INC. $705,000 $505,000 -28.4% 0.1%
GUARANTEED RATE AFFINITY, LLC $450,000 $505,000 12.2% 0.1%
PNC Bank $1,275,000 $505,000 -60.4% 0.1%
NORTHWESTERN MUTUAL $500,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $415,000 $500,000 20.5% 0.1%
Blackhawk Community Credit Union $130,000 $495,000 280.8% 0.1%
Key Mortgage Services, Inc. $390,000 $495,000 26.9% 0.1%
Bristol Morgan Bank $470,000 $490,000 4.3% 0.1%
Woodford State Bank $490,000 n/a 0.1%
Arvest Bank $450,000 $480,000 6.7% 0.1%
Home Savings Bank $180,000 $475,000 163.9% 0.1%
NAVY FEDERAL CREDIT UNION $1,100,000 $465,000 -57.7% 0.1%
SOFI LENDING CORP. $465,000 n/a 0.1%
Bank of America $395,000 $460,000 16.5% 0.1%
Monona Bank $670,000 $460,000 -31.3% 0.1%
Ally Bank $440,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $510,000 $440,000 -13.7% 0.1%
HOMESIDE FINANCIAL, LLC $180,000 $425,000 136.1% 0.1%
Sierra Pacific Mortgage Company, Inc. $265,000 $420,000 58.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $360,000 $410,000 13.9% 0.1%
LEADERONE FINANCIAL CORPORATION $1,100,000 $410,000 -62.7% 0.1%
MICHIGAN MUTUAL, INC. $480,000 $410,000 -14.6% 0.1%
HERITAGE CREDIT UNION $405,000 n/a 0.1%
COMPASS MORTGAGE, INC. $400,000 n/a 0.1%
Northpointe Bank $185,000 $395,000 113.5% 0.1%
Central Bank Illinois $385,000 n/a 0.1%
VAN DYK MORTGAGE CORPORATION $680,000 $380,000 -44.1% 0.1%
Manufacturers and Traders Trust Company $135,000 $375,000 177.8% 0.1%
Community First Credit Union $365,000 $360,000 -1.4% 0.0%
CELEBRITY HOME LOANS, LLC $335,000 $335,000 0.0% 0.0%
NATIONS RELIABLE LENDING, LLC $1,075,000 $330,000 -69.3% 0.0%
KELLER MORTGAGE, LLC $255,000 $320,000 25.5% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $210,000 $315,000 50.0% 0.0%
Nicolet National Bank $390,000 $310,000 -20.5% 0.0%
Lake Area Bank $305,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $305,000 n/a 0.0%
Plains Commerce Bank $450,000 $305,000 -32.2% 0.0%
The Bank of New Glarus $555,000 $305,000 -45.0% 0.0%
Stifel Bank and Trust $300,000 n/a 0.0%
Guardian Credit Union $855,000 $295,000 -65.5% 0.0%
Availa Bank $285,000 n/a 0.0%
AMERICAN ADVISORS GROUP $85,000 $280,000 229.4% 0.0%
WINGS FINANCIAL $275,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $1,225,000 $270,000 -78.0% 0.0%
FINANCE OF AMERICA REVERSE LLC $265,000 n/a 0.0%
Starion Bank $465,000 $265,000 -43.0% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $260,000 n/a 0.0%
NBKC BANK $855,000 $255,000 -70.2% 0.0%
PLAZA HOME MORTGAGE, INC. $1,000,000 $255,000 -74.5% 0.0%
State Bank of Cross Plains $495,000 $255,000 -48.5% 0.0%
Wolf River Community Bank $135,000 $255,000 88.9% 0.0%
Dane County Credit Union $185,000 $250,000 35.1% 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $385,000 $250,000 -35.1% 0.0%
CHURCHILL MORTGAGE CORPORATION $280,000 $245,000 -12.5% 0.0%
First Internet Bank of Indiana $245,000 n/a 0.0%
LENDERFI, INC. $245,000 n/a 0.0%
Discover Bank $35,000 $240,000 585.7% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $85,000 $235,000 176.5% 0.0%
IncredibleBank $235,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $230,000 n/a 0.0%
EVERETT FINANCIAL, INC. $320,000 $225,000 -29.7% 0.0%
Fidelity Bank $225,000 n/a 0.0%
WaterStone Bank, SSB $12,585,000 $225,000 -98.2% 0.0%
HOMESTEAD FUNDING CORP. $135,000 $215,000 59.3% 0.0%
TIAA, FSB $45,000 $215,000 377.8% 0.0%
BLUELEAF LENDING, LLC $210,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $205,000 n/a 0.0%
Honor Credit Union $205,000 n/a 0.0%
Magnolia Bank $205,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $205,000 n/a 0.0%
Flanagan State Bank $260,000 $195,000 -25.0% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $470,000 $195,000 -58.5% 0.0%
West Pointe Bank $195,000 n/a 0.0%
WINNEBAGO COMMUNITY $190,000 n/a 0.0%
DUPACO COMMUNITY $185,000 n/a 0.0%
Bank of Milton $180,000 n/a 0.0%
Colten Mortgage, LLC $175,000 n/a 0.0%
Equity Prime Mortgage LLC $175,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $175,000 n/a 0.0%
Figure Lending LLC $110,000 $165,000 50.0% 0.0%
First National Bank of Omaha $165,000 n/a 0.0%
Kohler Credit Union $115,000 $165,000 43.5% 0.0%
Oostburg State Bank $115,000 $165,000 43.5% 0.0%
Wyndham Capital Mortgage, Inc. $165,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $235,000 $160,000 -31.9% 0.0%
Collins State Bank $155,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $155,000 n/a 0.0%
North American Savings Bank, F.S.B. $155,000 n/a 0.0%
CLEARPOINTE CAPITAL, LLC $30,000 $145,000 383.3% 0.0%
S1L, Inc. $145,000 n/a 0.0%
21ST MORTGAGE CORPORATION $135,000 n/a 0.0%
ARC HOME LLC $135,000 n/a 0.0%
EMM LOANS LLC $310,000 $135,000 -56.5% 0.0%
Fortifi Bank $430,000 $135,000 -68.6% 0.0%
Citizens Bank $455,000 $130,000 -71.4% 0.0%
First National Bank of America $125,000 n/a 0.0%
Hiawatha National Bank $235,000 $125,000 -46.8% 0.0%
Resource Bank, N.A. $125,000 n/a 0.0%
The Huntington National Bank $145,000 $125,000 -13.8% 0.0%
AbbyBank $115,000 n/a 0.0%
Capitol Bank $1,665,000 $115,000 -93.1% 0.0%
Empower Credit Union $140,000 $115,000 -17.9% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $105,000 n/a 0.0%
Baraboo State Bank $310,000 $105,000 -66.1% 0.0%
Bremer Bank $205,000 $105,000 -48.8% 0.0%
Oak Bank $245,000 $95,000 -61.2% 0.0%
ROYAL UNITED MORTGAGE LLC $260,000 $95,000 -63.5% 0.0%
Think Mutual Bank $95,000 n/a 0.0%
Cleveland State Bank $85,000 n/a 0.0%
GreenStone Farm Credit Services, FLCA $85,000 n/a 0.0%
AXIA FINANCIAL, LLC $75,000 n/a 0.0%
HIWAY $55,000 n/a 0.0%
SPRING EQ, LLC $55,000 n/a 0.0%
Connexus Credit Union $25,000 n/a 0.0%

Beaver Dam's top lender by overall market share is Summit Credit Union, with 8.9% market share. In second place, with 7.9%, is Landmark Credit Union, having originated $57,075,000 in loans. In third place, with 7.1%, is Horicon Bank, having originated $51,500,000 in loans. In third place, with 5.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $36,820,000 in loans. In third place, with 3.9%, is QUICKEN LOANS, LLC, having originated $28,290,000 in loans.


Beaver Dam, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,673 $277,275,000 $165,735
Home Purchase 1,270 $256,980,000 $202,346
Cash Out Refi 944 $161,980,000 $171,589
Other 261 $14,355,000 $55,000
Home Improvement 255 $15,825,000 $62,059

Beaver Dam's most frequently cited loan purpose was Refi, with 1,673 originations. The 2nd most popular reason was Home Purchase, with 1,270 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,709 $308,295,000 $180,395
3-4% 1,211 $229,595,000 $189,591
<2.5% 1,046 $139,330,000 $133,203
4-5% 142 $17,010,000 $119,789
5-6% 66 $3,650,000 $55,303
Over 8% 31 $2,425,000 $78,226
7-8% 24 $1,440,000 $60,000
6-7% 19 $1,305,000 $68,684

During 2021, Beaver Dam's most frequently originated rate bucket was 2.5-3%, with 1,709 originations.

Loan Sizing (Beaver Dam, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,035 $294,425,000 $144,681
$100,000 or less 1,191 $68,585,000 $57,586
$200k-400k 1,081 $286,525,000 $265,056
$400k-600k 77 $35,685,000 $463,442
$Over $1MM 13 $36,545,000 $2,811,154
$600k-1000k 6 $4,650,000 $775,000

Beaver Dam's loan sizing saw the bucket of loans from $100k-200k with 2,035 originations, totaling $294,425,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,426 $281,420,000 $197,349
80-100% 1,225 $245,085,000 $200,069
40-60% 686 $107,590,000 $156,837
20-40% 423 $35,735,000 $84,480
Under 20% 371 $12,095,000 $32,601
Over 100% 16 $3,960,000 $247,500

Beaver Dam's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,426 originations, totaling $281,420,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Beaver Dam (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 $151,900 (2.5%) $227,519 (3.7%) 0.00 230
2018-02-01 $177,450 (18.4%) $245,419 (11.3%) 0.00 213
2018-03-01 $185,000 (19.8%) $251,342 (15.8%) 0.00 208
2018-04-01 $186,250 (6.5%) $262,237 (8.0%) 0.00 197
2018-05-01 $194,450 (11.4%) $298,903 (25.1%) 0.00 192
2018-06-01 $199,000 (19.6%) $293,231 (26.2%) 0.00 206
2018-07-01 $200,000 (17.7%) $306,793 (28.8%) 0.00 240
2018-08-01 $209,450 (25.9%) $308,266 (34.0%) 0.00 274
2018-09-01 $199,900 (31.1%) $280,110 (24.0%) 0.00 311
2018-10-01 $208,800 (40.2%) $280,124 (33.8%) 0.00 324
2018-11-01 $208,500 (34.6%) $288,340 (33.4%) 0.00 302
2018-12-01 $199,900 (25.0%) $282,202 (25.5%) 0.00 279
2019-01-01 $203,450 (33.9%) $281,992 (23.9%) 0.00 259
2019-02-01 $212,450 (19.7%) $289,793 (18.1%) 0.00 210
2019-03-01 $228,471 (23.5%) $290,578 (15.6%) 0.00 220
2019-04-01 $244,900 (31.5%) $320,809 (22.3%) 0.00 251
2019-05-01 $235,450 (21.1%) $310,840 (4.0%) 0.00 220
2019-06-01 $235,000 (18.1%) $303,598 (3.5%) 0.00 211
2019-07-01 $236,000 (18.0%) $303,684 (-1.0%) 0.00 220
2019-08-01 $231,814 (10.7%) $298,313 (-3.2%) 0.00 227
2019-09-01 $222,450 (11.3%) $284,277 (1.5%) 0.00 239
2019-10-01 $211,000 (1.1%) $277,809 (-0.8%) 0.00 258
2019-11-01 $200,000 (-4.1%) $270,669 (-6.1%) 0.00 247
2019-12-01 $208,000 (4.1%) $275,419 (-2.4%) 0.00 210
2020-01-01 $199,999 (-1.7%) $284,621 (0.9%) 0.00 188
2020-02-01 $199,999 (-5.9%) $290,683 (0.3%) 0.00 168
2020-03-01 $228,450 (0.0%) $316,414 (8.9%) 0.00 143
2020-04-01 $232,250 (-5.2%) $314,472 (-2.0%) 0.00 136
2020-05-01 $249,900 (6.1%) $335,817 (8.0%) 0.00 130
2020-06-01 $244,900 (4.2%) $331,245 (9.1%) 0.00 126
2020-07-01 $254,900 (8.0%) $332,784 (9.6%) 0.00 120
2020-08-01 $264,900 (14.3%) $347,906 (16.6%) 0.00 115
2020-09-01 $251,950 (13.3%) $348,970 (22.8%) 0.00 121
2020-10-01 $249,900 (18.4%) $346,567 (24.8%) 0.00 115
2020-11-01 $222,400 (11.2%) $338,756 (25.2%) 0.00 109
2020-12-01 $219,950 (5.8%) $340,861 (23.8%) 0.00 95
2021-01-01 $235,000 (17.5%) $346,789 (21.8%) 0.00 76
2021-02-01 $222,450 (11.2%) $383,607 (32.0%) 0.00 56
2021-03-01 $239,900 (5.0%) $400,152 (26.5%) 0.00 52
2021-04-01 $254,900 (9.8%) $393,693 (25.2%) 0.00 57
2021-05-01 $259,900 (4.0%) $361,551 (7.7%) 0.00 59
2021-06-01 $242,450 (-1.0%) $343,018 (3.6%) 0.00 65
2021-07-01 $263,750 (3.5%) $350,209 (5.2%) 0.00 75
2021-08-01 $244,900 (-7.6%) $284,114 (-18.3%) 0.00 102
2021-09-01 $242,400 (-3.8%) $277,705 (-20.4%) 0.00 115
2021-10-01 $239,999 (-4.0%) $275,955 (-20.4%) 0.00 119
2021-11-01 $242,500 (9.0%) $282,062 (-16.7%) 0.00 105
2021-12-01 $249,950 (13.6%) $287,451 (-15.7%) 0.00 91
2022-01-01 $249,900 (6.3%) $294,569 (-15.1%) 0.00 62
2022-02-01 $282,500 (27.0%) $330,092 (-14.0%) 0.00 42
2022-03-01 $290,000 (20.9%) $344,945 (-13.8%) 0.00 44
2022-04-01 $285,000 (11.8%) $339,332 (-13.8%) 0.00 55
2022-05-01 $279,900 (7.7%) $324,474 (-10.3%) 0.00 61
Beaver Dam's median listing price for 2022-05-01 was $279,900, a difference of $20,000 (7.7%) versus the prior year and $-5,100 versus the prior month.

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

Beaver Dam's average listing price for 2022-05-01 was $324,474, a difference of $-37,077 (-10.3%) versus the prior year and $-14,858 versus the prior month.

For the 2022-05-01 period, Beaver Dam had 61 MLS listings, a difference of 6 listings (11%) versus the prior month and 2 listings (3%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Beaver Dam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,592 sqft
2018-02-01 0 days 1,674 sqft
2018-03-01 0 days 1,776 sqft
2018-04-01 0 days 1,690 sqft
2018-05-01 0 days 1,694 sqft
2018-06-01 0 days 1,684 sqft
2018-07-01 0 days 1,691 sqft
2018-08-01 0 days 1,745 sqft
2018-09-01 0 days 1,680 sqft
2018-10-01 0 days 1,749 sqft
2018-11-01 0 days 1,746 sqft
2018-12-01 0 days 1,700 sqft
2019-01-01 0 days 1,662 sqft
2019-02-01 0 days 1,632 sqft
2019-03-01 0 days 1,648 sqft
2019-04-01 0 days 1,779 sqft
2019-05-01 0 days 1,790 sqft
2019-06-01 0 days 1,737 sqft
2019-07-01 0 days 1,711 sqft
2019-08-01 0 days 1,733 sqft
2019-09-01 0 days 1,755 sqft
2019-10-01 0 days 1,712 sqft
2019-11-01 0 days 1,712 sqft
2019-12-01 0 days 1,691 sqft
2020-01-01 0 days 1,645 sqft
2020-02-01 0 days 1,737 sqft
2020-03-01 0 days 1,730 sqft
2020-04-01 0 days 1,667 sqft
2020-05-01 0 days 1,800 sqft
2020-06-01 0 days 1,807 sqft
2020-07-01 0 days 1,819 sqft
2020-08-01 0 days 2,080 sqft
2020-09-01 0 days 1,962 sqft
2020-10-01 0 days 1,964 sqft
2020-11-01 0 days 1,822 sqft
2020-12-01 0 days 1,730 sqft
2021-01-01 0 days 1,721 sqft
2021-02-01 0 days 1,742 sqft
2021-03-01 0 days 1,803 sqft
2021-04-01 0 days 1,770 sqft
2021-05-01 0 days 1,900 sqft
2021-06-01 0 days 1,690 sqft
2021-07-01 0 days 1,799 sqft
2021-08-01 0 days 1,672 sqft
2021-09-01 0 days 1,689 sqft
2021-10-01 0 days 1,720 sqft
2021-11-01 0 days 1,751 sqft
2021-12-01 0 days 1,791 sqft
2022-01-01 0 days 1,644 sqft
2022-02-01 0 days 1,682 sqft
2022-03-01 0 days 1,593 sqft
2022-04-01 0 days 1,683 sqft
2022-05-01 0 days 1,628 sqft
Beaver Dam's median listing age (time on market) for 2022-05-01 was 0 days.

Beaver Dam's median square footage for active listings during the 2022-05-01 period was 1,628 sqft. One year prior, the average listing was 1,900 sqft.