Beaver Dam Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Beaver Dam averaged 6.89% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.79% and one month ago for the week of 2025-05-29, the average rate was 6.71%.

Beaver Dam's average rate one year ago was 6.98%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Beaver Dam 30 Year Fixed Rate 2025-07-03 6.89%
Beaver Dam 30 Year Fixed Rate Refi 2025-07-03 7.02%
Beaver Dam 15 Year Fixed Rate 2025-07-03 5.9%
Beaver Dam 15 Year Fixed Rate Refi 2025-07-03 6.3%
Beaver Dam 30 Year FHA 2025-07-03 0.27%
Beaver Dam 30 Year FHA Refi 2025-07-03 -0.1%
Beaver Dam 30 Year USDA 2025-07-03 -0.1%
Beaver Dam 30 Year USDA Refi 2025-07-03 -0.1%
Beaver Dam 30 Year VA 2025-07-03 0.38%
Beaver Dam 30 Year VA Refi 2025-07-03 0.2%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Summit Credit Union 67 6.71% $2,871
Horicon Bank 47 6.70% $1,838
Landmark Credit Union 46 6.72% $2,234
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 6.78% $4,543
QUICKEN LOANS, LLC 22 6.68% $6,130
MOVEMENT MORTGAGE, LLC 21 6.57% $5,034
National Exchange Bank and Trust 21 6.22% $1,849
Associated Bank 21 6.57% $2,681
CMG MORTGAGE, INC. 19 6.86% $5,187
University of Wisconsin Credit Union 18 6.45% $3,519
Bank First, N.A. 18 6.53% $2,307
GUILD MORTGAGE COMPANY 17 6.52% $5,439
THOMPSON KANE & COMPANY, LLC 16 6.82% $4,557
NEWREZ LLC 15 6.88% $2,777
Prosperity Home Mortgage, LLC 12 6.75% $4,008
UNITED WHOLESALE MORTGAGE, LLC 11 6.70% $5,247
FIRST COLONY MORTGAGE CORPORATION 9 6.65% $3,441
Johnson Bank 9 6.57% $2,196
Bell Bank 8 6.98% $3,383
U.S. Bank 8 6.58% $3,286
WISCONSIN MORTGAGE CORPORATION 8 6.75% $2,946
A + MORTGAGE SERVICES, INC. 8 6.78% $2,541
Barrington Bank & Trust Company, N.A. 6 6.48% $3,544
Deere Employees Credit Union 6 6.56% $3,125
Bank Five Nine 5 7.15% $3,970
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.55% $4,778
LOANDEPOT.COM, LLC 5 6.77% $6,095
AmeriHome Mortgage Company, LLC 5 7.10% $3,099
Waukesha State Bank 5 6.75% $2,678
Wells Fargo Bank 5 6.68% $4,472
CROSSCOUNTRY MORTGAGE, LLC 5 7.20% $6,400
GSF Mortgage Corporation 4 6.97% $3,835
GUARANTEED RATE AFFINITY, LLC 4 7.26% $2,758
GUARANTEED RATE, INC. 4 6.64% $3,052
The Equitable Bank, S.S.B. 4 6.88% $2,954
CARDINAL FINANCIAL 4 6.25% $5,966
BMO Harris Bank 4 6.94% $4,002
Bank of England 4 6.84% $5,588
Citizens Bank 3 6.25% $3,022
AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.71% $4,289
Bankers' Bank 3 6.96% $2,207
American Mortgage & Equity Consultants, Inc. 3 7.00% $5,073
State Bank of Cross Plains 3 6.63% $3,041
North Shore Bank FSB 3 6.75% $2,815
JPMorgan Chase Bank 3 6.50% $4,132
NATIONS RELIABLE LENDING, LLC 3 6.54% $5,678
Glacier Hills Credit Union 3 6.34% $1,769
Nations Lending Corporation 3 6.79% $3,842
UNION HOME MORTGAGE CORP. 3 6.87% $4,063
The First National Bank and Trust Company 2 6.88% $2,739
CIBM Bank 2 7.31% $3,068
COMPEER FINANCIAL, FLCA 2 7.81% $3,629
CoVantage Credit Union 2 6.69% $3,903
FIRST STATE MORTGAGE SERVICES, LLC 2 6.50% $2,776
Flagstar Bank, FSB 2 6.44% $3,855
FREEDOM MORTGAGE CORPORATION 2 7.38% $6,835
Heartland Credit Union (Madison) 2 6.56% $2,324
HOMESIDE FINANCIAL, LLC 2 7.38% $4,280
Ixonia Bank 2 7.00% $4,254
Paramount Residential Mortgage Group, Inc. 2 7.56% $2,072
PNC Bank 2 6.63% $3,387
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.56% $5,949
S1L, Inc. 2 7.00% $5,958
SECURITYNATIONAL MORTGAGE COMPANY 2 6.38% $5,878
The Bank of New Glarus 2 6.44% $2,496
Tri City National Bank 2 6.44% $2,184
Westbury Bank 2 6.38% $1,748
NATIONWIDE MORTGAGE BANKERS, INC. 1 6.63% $12,812
NBKC BANK 1 7.00% $2,285
FOX COMMUNITIES 1 6.25% $2,622
NFM, INC. 1 7.38% $3,470
Northpointe Bank 1 6.88% $9,762
First Federal Bank 1 7.00% $2,198
Old National Bank 1 6.25% $2,746
Oregon Community Bank 1 7.50% $2,552
Citizens State Bank of La Crosse 1 7.13% $2,984
PENNYMAC LOAN SERVICES, LLC 1 8.13% $3,227
Plains Commerce Bank 1 7.38% $11,714
PLANET HOME LENDING, LLC 1 7.13% $2,800
Century Mortgage Company DBA Century Lending Company 1 7.50% $0
BROKER SOLUTIONS, INC. 1 6.50% $3,876
Equity Bank 1 6.50% $2,971
PyraMax Bank, FSB 1 7.00% $2,325
ENDEAVOR CAPITAL, LLC. 1 6.99% $9,898
BOKF 1 6.00% $5,117
BETTER MORTGAGE CORPORATION 1 7.75% $1,594
Servion, Inc. 1 7.38% $3,720
Sierra Pacific Mortgage Company, Inc. 1 6.99% $2,230
EDUCATORS CREDIT UNION 1 6.63% $1,525
DUPACO COMMUNITY 1 6.50% $5,889
SUN WEST MORTGAGE COMPANY, INC. 1 7.13% $9,801
Texana Bank 1 6.88% $3,691
ZILLOW HOME LOANS, LLC 1 7.38% $3,507
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 7.38% $4,326
AMERICAN FINANCING CORPORATION 1 6.25% $5,438
The Huntington National Bank 1 7.00% $1,795
The Park Bank 1 6.00% $1,872
Devon Bank 1 6.00% $10,212
Atlantic Coast Mortgage, LLC 1 7.99% $9,693
Commerce Bank 1 6.50% $3,380
LENOX FINANCIAL MORTGAGE CORPORATION 1 6.62% $3,220
MARINE 1 9.23% $5,339
Morgan Stanley Private Bank 1 6.45% $2,567
Mortgage Research Center, LLC 1 6.99% $2,095
LAKE MICHIGAN CREDIT UNION 1 6.50% $3,273
Home State Bank 1 6.63% $3,045
Granite Community Bank 1 6.50% $3,443
GATEWAY MORTGAGE CORPORATION 1 6.50% $2,620

Beaver Dam Average Closing Costs & Other Stats

Beaver Dam, WI's 108 lenders originated 2,065 loans during 2024. The total origination value was $406,165,000, with an average loan value of $196,690.

Beaver Dam's average closing costs are $3,454.

The top Beaver Dam lender as defined by loan originations is Summit Credit Union, with 67 loans originated. Their average total fees are $2,871, which is $1,033 higher than the next largest lender, Horicon Bank.

The lowest fee Beaver Dam lenders (with over 10 loans originated) are Horicon Bank ($1,838), National Exchange Bank and Trust ($1,849), Landmark Credit Union ($2,234), Bank First, N.A. ($2,307) and Associated Bank ($2,681).

The lowest rate Beaver Dam lenders (with over 10 loans originated) are National Exchange Bank and Trust (6.22%), University of Wisconsin Credit Union (6.45%), GUILD MORTGAGE COMPANY (6.52%), Bank First, N.A. (6.53%) and Associated Bank (6.57%).

Beaver Dam, 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
Summit Credit Union $44,850,000 $38,900,000 -13.3% 9.6%
Community First Credit Union $8,095,000 $30,160,000 272.6% 7.4%
Landmark Credit Union $27,170,000 $24,580,000 -9.5% 6.1%
Horicon Bank $20,550,000 $24,270,000 18.1% 6.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,995,000 $15,925,000 32.8% 3.9%
QUICKEN LOANS, LLC $8,085,000 $12,995,000 60.7% 3.2%
National Exchange Bank and Trust $10,170,000 $12,100,000 19.0% 3.0%
The Port Washington State Bank $675,000 $9,855,000 1,360.0% 2.4%
Mortgage Research Center, LLC $5,340,000 $9,715,000 81.9% 2.4%
MOVEMENT MORTGAGE, LLC $5,840,000 $8,750,000 49.8% 2.2%
University of Wisconsin Credit Union $7,815,000 $8,345,000 6.8% 2.1%
Bank First, N.A. $2,705,000 $8,250,000 205.0% 2.0%
NEWREZ LLC $3,155,000 $8,095,000 156.6% 2.0%
Associated Bank $7,985,000 $8,090,000 1.3% 2.0%
BMO Harris Bank $4,290,000 $7,190,000 67.6% 1.8%
Waukesha State Bank $2,000,000 $6,715,000 235.8% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $5,570,000 $6,435,000 15.5% 1.6%
GUILD MORTGAGE COMPANY $3,920,000 $6,345,000 61.9% 1.6%
CMG MORTGAGE, INC. $3,785,000 $6,160,000 62.7% 1.5%
North Shore Bank FSB $1,915,000 $5,895,000 207.8% 1.5%
VERVE, A CREDIT UNION $465,000 $5,000,000 975.3% 1.2%
THOMPSON KANE & COMPANY, LLC $3,020,000 $4,935,000 63.4% 1.2%
U.S. Bank $2,970,000 $4,815,000 62.1% 1.2%
Johnson Bank $2,930,000 $4,470,000 52.6% 1.1%
Prosperity Home Mortgage, LLC $3,465,000 $4,275,000 23.4% 1.1%
Fox Valley Savings Bank $2,250,000 $4,040,000 79.6% 1.0%
Barrington Bank & Trust Company, N.A. $3,215,000 $3,945,000 22.7% 1.0%
FREEDOM MORTGAGE CORPORATION $960,000 $3,655,000 280.7% 0.9%
A + MORTGAGE SERVICES, INC. $2,090,000 $3,620,000 73.2% 0.9%
Providence Bank & Trust $3,205,000 n/a 0.8%
CROSSCOUNTRY MORTGAGE, LLC $3,380,000 $2,990,000 -11.5% 0.7%
FORTE BANK $1,000,000 $2,910,000 191.0% 0.7%
Deere Employees Credit Union $3,810,000 $2,890,000 -24.1% 0.7%
PLANET HOME LENDING, LLC $1,790,000 $2,615,000 46.1% 0.6%
WISCONSIN MORTGAGE CORPORATION $1,180,000 $2,610,000 121.2% 0.6%
GUARANTEED RATE, INC. $2,220,000 $2,595,000 16.9% 0.6%
PENNYMAC LOAN SERVICES, LLC $965,000 $2,470,000 156.0% 0.6%
CARDINAL FINANCIAL $1,800,000 $2,400,000 33.3% 0.6%
FIRST COLONY MORTGAGE CORPORATION $2,370,000 n/a 0.6%
Bell Bank $1,300,000 $2,330,000 79.2% 0.6%
Bank Five Nine $4,895,000 $2,290,000 -53.2% 0.6%
MARINE $2,065,000 $2,165,000 4.8% 0.5%
LOANDEPOT.COM, LLC $1,180,000 $2,050,000 73.7% 0.5%
JPMorgan Chase Bank $1,030,000 $1,885,000 83.0% 0.5%
Bank of England $1,120,000 $1,830,000 63.4% 0.5%
Nations Lending Corporation $625,000 $1,675,000 168.0% 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $570,000 $1,605,000 181.6% 0.4%
Paramount Residential Mortgage Group, Inc. $1,315,000 $1,600,000 21.7% 0.4%
Ixonia Bank $1,755,000 $1,585,000 -9.7% 0.4%
Wells Fargo Bank $645,000 $1,540,000 138.8% 0.4%
AmeriHome Mortgage Company, LLC $1,485,000 n/a 0.4%
Glacier Hills Credit Union $680,000 $1,370,000 101.5% 0.3%
GSF Mortgage Corporation $1,545,000 $1,325,000 -14.2% 0.3%
LAKEVIEW LOAN SERVICING, LLC $1,260,000 n/a 0.3%
BROKER SOLUTIONS, INC. $1,240,000 $1,220,000 -1.6% 0.3%
Farmers and Merchants Union Bank $2,355,000 $1,190,000 -49.5% 0.3%
The Equitable Bank, S.S.B. $1,140,000 n/a 0.3%
GUARANTEED RATE AFFINITY, LLC $1,545,000 $1,085,000 -29.8% 0.3%
Bank of Sun Prairie $1,385,000 $1,055,000 -23.8% 0.3%
NATIONS RELIABLE LENDING, LLC $185,000 $960,000 418.9% 0.2%
The First National Bank and Trust Company $940,000 n/a 0.2%
FIRST STATE MORTGAGE SERVICES, LLC $565,000 $850,000 50.4% 0.2%
Heartland Credit Union (Madison) $725,000 $850,000 17.2% 0.2%
V.I.P. MORTGAGE, INC. $1,040,000 $845,000 -18.8% 0.2%
Badger Bank $300,000 $830,000 176.7% 0.2%
USAA Federal Savings Bank $305,000 $815,000 167.2% 0.2%
The Federal Savings Bank $175,000 $810,000 362.9% 0.2%
BOKF $805,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $660,000 $760,000 15.2% 0.2%
State Bank of Cross Plains $680,000 $755,000 11.0% 0.2%
American Mortgage & Equity Consultants, Inc. $500,000 $745,000 49.0% 0.2%
Commerce Bank $745,000 n/a 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $245,000 $710,000 189.8% 0.2%
UNION HOME MORTGAGE CORP. $705,000 n/a 0.2%
DUPACO COMMUNITY $700,000 n/a 0.2%
Morgan Stanley Private Bank $295,000 $690,000 133.9% 0.2%
S1L, Inc. $685,000 n/a 0.2%
Flagstar Bank, FSB $900,000 $670,000 -25.6% 0.2%
PyraMax Bank, FSB $665,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $520,000 $655,000 26.0% 0.2%
Magnolia Bank $650,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $2,315,000 $650,000 -71.9% 0.2%
DMB Community Bank $640,000 n/a 0.2%
Citizens Bank $235,000 $635,000 170.2% 0.2%
Old National Bank $555,000 $630,000 13.5% 0.2%
PNC Bank $190,000 $620,000 226.3% 0.2%
COMPEER FINANCIAL, FLCA $1,545,000 $610,000 -60.5% 0.2%
CIBM Bank $165,000 $600,000 263.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $595,000 n/a 0.1%
Bankers' Bank $250,000 $595,000 138.0% 0.1%
NEW DAY FINANCIAL, LLC $595,000 n/a 0.1%
Citizens Bank $235,000 $585,000 148.9% 0.1%
PremierBank $1,650,000 $585,000 -64.5% 0.1%
Westbury Bank $1,110,000 $585,000 -47.3% 0.1%
FOX COMMUNITIES $170,000 $580,000 241.2% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $575,000 n/a 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $575,000 n/a 0.1%
Tri City National Bank $185,000 $570,000 208.1% 0.1%
Discover Bank $255,000 $545,000 113.7% 0.1%
Northpointe Bank $545,000 n/a 0.1%
CoVantage Credit Union $265,000 $515,000 94.3% 0.1%
Premier Community Bank $495,000 n/a 0.1%
Equity Bank $485,000 n/a 0.1%
Baraboo State Bank $470,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $525,000 $470,000 -10.5% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $470,000 n/a 0.1%
EDUCATORS CREDIT UNION $1,330,000 $465,000 -65.0% 0.1%
Oregon Community Bank $445,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $440,000 n/a 0.1%
Farmers & Merchants State Bank $790,000 $435,000 -44.9% 0.1%
Figure Lending LLC $205,000 $420,000 104.9% 0.1%
First Federal Bank $775,000 $405,000 -47.7% 0.1%
Carrington Mortgage Services, LLC $310,000 $395,000 27.4% 0.1%
PREMIA MORTGAGE, LLC $395,000 n/a 0.1%
21ST MORTGAGE CORPORATION $100,000 $380,000 280.0% 0.1%
NBKC BANK $375,000 n/a 0.1%
The Peoples Community Bank $375,000 n/a 0.1%
AMWEST FUNDING CORP. $365,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $365,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $655,000 $360,000 -45.0% 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $285,000 $355,000 24.6% 0.1%
Plains Commerce Bank $65,000 $355,000 446.2% 0.1%
The Bank of New Glarus $525,000 $340,000 -35.2% 0.1%
Ameris Bank $335,000 n/a 0.1%
LAKE MICHIGAN CREDIT UNION $335,000 n/a 0.1%
Coastal Community Bank $80,000 $330,000 312.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $115,000 $330,000 187.0% 0.1%
First Mid Bank & Trust $325,000 n/a 0.1%
GoPrime Mortgage, Inc. $315,000 n/a 0.1%
The Huntington National Bank $1,295,000 $315,000 -75.7% 0.1%
EVERETT FINANCIAL, INC. $305,000 n/a 0.1%
Servion, Inc. $440,000 $300,000 -31.8% 0.1%
Mid-Continent Funding, Inc. $510,000 $285,000 -44.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $145,000 $285,000 96.6% 0.1%
Atlantic Coast Mortgage, LLC $275,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $155,000 $275,000 77.4% 0.1%
Fortifi Bank $215,000 $275,000 27.9% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $270,000 n/a 0.1%
ENVOY MORTGAGE, LTD $255,000 n/a 0.1%
Home State Bank $255,000 n/a 0.1%
Nicolet National Bank $155,000 $255,000 64.5% 0.1%
VILLAGE CAPITAL MORTGAGE $215,000 $255,000 18.6% 0.1%
Devon Bank $245,000 n/a 0.1%
The Park Bank $245,000 n/a 0.1%
AMERISAVE MORTGAGE CORPORATION $360,000 $240,000 -33.3% 0.1%
HOMEXPRESS MORTGAGE CORP. $225,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $225,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $215,000 n/a 0.1%
Citizens State Bank of La Crosse $215,000 n/a 0.1%
NFM, INC. $215,000 n/a 0.1%
Sierra Pacific Mortgage Company, Inc. $205,000 n/a 0.1%
TruHome Solutions, LLC $205,000 n/a 0.1%
First American Bank $120,000 $200,000 66.7% 0.0%
Granite Community Bank $195,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $590,000 $195,000 -66.9% 0.0%
OCEANSIDE MORTGAGE COMPANY $185,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $560,000 $180,000 -67.9% 0.0%
First-Citizens Bank & Trust Company $125,000 $175,000 40.0% 0.0%
Centier Bank $75,000 $170,000 126.7% 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $140,000 $170,000 21.4% 0.0%
NEXERA HOLDING LLC $155,000 $165,000 6.5% 0.0%
Republic Bank of Chicago $150,000 n/a 0.0%
Bristol Morgan Bank $145,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $145,000 n/a 0.0%
ALLIANT CREDIT UNION $125,000 n/a 0.0%
Texana Bank $125,000 n/a 0.0%
DAS Acquisition Company, LLC $155,000 $115,000 -25.8% 0.0%
Royal Credit Union $105,000 n/a 0.0%
SPRING EQ, LLC $105,000 n/a 0.0%
GATEWAY MORTGAGE CORPORATION $105,000 $95,000 -9.5% 0.0%
AMERICAN FINANCING CORPORATION $75,000 n/a 0.0%
Bank of Luxemburg $65,000 n/a 0.0%
Union Federal Savings and Loan Association $65,000 n/a 0.0%
Guardian Credit Union $125,000 $45,000 -64.0% 0.0%
INTOUCH CREDIT UNION $35,000 n/a 0.0%
Liberty Savings Bank, F.S.B. $25,000 n/a 0.0%
WESTconsin Credit Union $15,000 n/a 0.0%

Beaver Dam's top lender by overall market share is Summit Credit Union, with 9.6% market share. In second place, with 7.4%, is Community First Credit Union, having originated $30,160,000 in loans. In third place, with 6.1%, is Landmark Credit Union, having originated $24,580,000 in loans. In fourth place, with 6.0%, is Horicon Bank, having originated $24,270,000 in loans. In fifth place, with 3.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $15,925,000 in loans.

Beaver Dam, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 897 $262,535,000 $292,681
Cash Out Refi 330 $49,720,000 $150,667
Refi 308 $60,170,000 $195,357
Home Improvement 293 $18,455,000 $62,986
Other 236 $14,870,000 $63,008
NA 1 $415,000 $415,000

Beaver Dam's most frequently cited loan purpose was Home Purchase, with 897 originations. The 2nd most popular reason was Cash Out Refi, with 330 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 713 $201,095,000 $282,041
7-8% 524 $88,030,000 $167,996
Over 8% 421 $34,645,000 $82,292
5-6% 167 $43,575,000 $260,928
<2.5% 153 $10,315,000 $67,418
4-5% 15 $3,705,000 $247,000
3-4% 1 $65,000 $65,000
2.5-3% 1 $115,000 $115,000

During 2024, Beaver Dam's most frequently originated rate bucket was 6-7%, with 713 originations.

Loan Sizing (Beaver Dam, WI MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 795 $40,635,000 $51,113
$200k-400k 613 $166,585,000 $271,754
$100k-200k 528 $79,060,000 $149,735
$400k-600k 97 $45,695,000 $471,082
$600k-1000k 24 $16,620,000 $692,500
$Over $1MM 8 $57,570,000 $7,196,250

Beaver Dam's loan sizing saw the bucket of loans from $100,000 or less with 795 originations, totaling $40,635,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 618 $186,250,000 $301,375
Under 20% 451 $18,855,000 $41,807
20-40% 389 $33,965,000 $87,314
60-80% 333 $102,645,000 $308,243
40-60% 165 $29,385,000 $178,091
Over 100% 22 $6,710,000 $305,000

Beaver Dam's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 618 originations, totaling $186,250,000 in origination value.