Coldwater Mortgage Rates

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

    30 Year Fixed Rate mortgages in Coldwater averaged 6.07% 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 5.74% and one month ago for the week of 2022-05-19, the average rate was 5.31%.

    Coldwater's average rate one year ago was 3.45%.

    For refis of the same type during the week of 2022-06-23, the average rate was 5.83%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2022-06-23 5.81%
    Coldwater 30 Year Fixed Rate 2022-06-23 6.07%
    Coldwater 30 Year Fixed Rate Refi 2022-06-23 5.83%
    Coldwater 15 Year Fixed Rate 2022-06-23 5.68%
    Coldwater 15 Year Fixed Rate Refi 2022-06-23 5.14%
    Coldwater 30 Year FHA 2022-06-23 0.2%
    Coldwater 30 Year FHA Refi 2022-06-23 0.04%
    Coldwater 30 Year USDA 2022-06-23 0.02%
    Coldwater 30 Year USDA Refi 2022-06-23 0.01%
    Coldwater 30 Year VA 2022-06-23 0.67%
    Coldwater 30 Year VA Refi 2022-06-23 0.19%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Coldwater, MI.

    Coldwater 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 Coldwater, MI 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
    OAK MORTGAGE, LLC 63 2.95% $3,393
    Honor Credit Union 57 3.32% $2,254
    Southern Michigan Bank & Trust 53 3.47% $2,498
    QUICKEN LOANS, LLC 43 3.12% $4,079
    AMERIFIRST FINANCIAL CORPORATION 42 3.33% $3,092
    CONSUMERS 35 3.25% $2,401
    The Huntington National Bank 21 3.03% $3,058
    RUOFF MORTGAGE COMPANY, INC. 16 3.27% $1,695
    Flagstar Bank, FSB 13 3.24% $2,677
    BlueOx Credit Union 13 3.40% $2,194
    LOANDEPOT.COM, LLC 11 3.38% $3,746
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 3.31% $3,438
    UNITED WHOLESALE MORTGAGE, LLC 8 2.96% $4,045
    Kellogg Community Credit Union 7 3.32% $2,229
    CROSSCOUNTRY MORTGAGE, LLC 6 3.63% $5,566
    AMERISAVE MORTGAGE CORPORATION 6 2.96% $4,081
    Farmers State Bank 5 3.20% $2,545
    Fifth Third Bank 5 3.10% $2,848
    MORTGAGE 1 INCORPORATED 5 3.17% $3,557
    OMNI Community Credit Union 5 3.45% $2,612
    County National Bank 4 3.88% $3,599
    ROYAL UNITED MORTGAGE LLC 4 3.56% $5,487
    PNC Bank 4 3.13% $3,253
    LAKE MICHIGAN CREDIT UNION 4 3.47% $4,091
    ProFed Federal Credit Union 3 2.88% $2,159
    JPMorgan Chase Bank 3 3.12% $3,047
    Mr. Cooper ( Nationstar Mortgage ) 3 3.83% $5,041
    CALIBER HOME LOANS, INC. 3 3.00% $2,598
    Wells Fargo Bank 3 3.13% $2,329
    TCF National Bank 3 3.08% $2,345
    First Federal Bank of the Midwest 3 3.42% $2,564
    The State Bank and Trust Company 3 3.08% $3,318
    BROKER SOLUTIONS, INC. 2 3.31% $3,732
    Bank of America 2 3.31% $2,544
    GVC MORTGAGE, INC. 2 3.62% $1,918
    HALLMARK HOME MORTGAGE, LLC 2 2.88% $2,582
    HOME POINT FINANCIAL CORPORATION 2 3.06% $4,081
    Independent Bank 2 3.13% $3,871
    INTERRA CREDIT UNION 2 3.38% $2,915
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 2 3.56% $2,892
    MORTGAGE CENTER L.C 2 3.06% $3,935
    Neighborhood Loans, Inc. 2 3.56% $2,743
    PENTAGON FEDERAL CREDIT UNION 2 2.56% $2,038
    SUMMIT HOME MORTGAGE, LLC 2 3.31% $4,186
    SUN WEST MORTGAGE COMPANY, INC. 2 3.18% $1,493
    Superior Credit Union, Inc. 2 3.13% $2,643
    The Farmers & Merchants State Bank 2 3.25% $2,333
    UNION HOME MORTGAGE CORP. 2 3.19% $3,300
    U.S. Bank 2 3.00% $4,429
    MICHIGAN MUTUAL, INC. 1 2.63% $4,695
    ANGEL OAK HOME LOANS LLC 1 5.38% $8,041
    MID AMERICA MORTGAGE, INC. 1 2.75% $4,701
    FORT FINANCIAL Federal Credit Union 1 3.25% $2,433
    The Union Bank Company 1 3.13% $3,419
    Mortgage Research Center, LLC 1 2.99% $2,879
    First State Bank 1 3.50% $2,700
    Nations Lending Corporation 1 3.00% $3,698
    UIF CORPORATION 1 3.50% $2,712
    NEWREZ LLC 1 3.38% $3,176
    First Merchants Bank 1 2.63% $3,323
    Old National Bank 1 2.88% $2,480
    First Federal Savings Bank 1 3.25% $2,628
    Pacor Mortgage Corp 1 3.63% $2,730
    AMERICAN FINANCIAL NETWORK, INC. 1 3.75% $5,615
    First Federal Savings and Loan Association of Lakewood 1 2.99% $2,186
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.88% $4,124
    Discover Bank 1 3.99% $0
    Citizens Bank 1 3.13% $4,253
    ROSS MORTGAGE CORPORATION 1 2.75% $3,207
    Carrington Mortgage Services, LLC 1 3.50% $2,297
    Ally Bank 1 3.25% $1,655
    BNC National Bank 1 3.00% $2,151
    SUCCESS MORTGAGE PARTNERS, INC. 1 3.25% $4,905
    UNITED 1 3.88% $2,511
    AMERICAN FINANCING CORPORATION 1 2.88% $6,078
    GUARANTEED RATE, INC. 1 2.63% $2,433
    ZILLOW HOME LOANS, LLC 1 3.13% $5,767
    Associated Bank 1 4.25% $3,150
    The Citizens National Bank of Bluffton 1 3.13% $2,475
    HOMEXPRESS MORTGAGE CORP. 1 5.50% $13,166
    GUARANTEED RATE AFFINITY, LLC 1 3.13% $3,071
    V.I.P. MORTGAGE, INC. 1 3.50% $3,717
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.49% $4,322
    GreenStone Farm Credit Services, FLCA 1 3.45% $5,249
    KALSEE CREDIT UNION 1 2.88% $3,348
    GREAT LAKES 1 3.63% $2,966
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.88% $4,222
    LAND HOME FINANCIAL SERVICES, INC. 1 3.50% $2,575
    FREEDOM MORTGAGE CORPORATION 1 3.25% $3,675
    LOANPAL, LLC 1 3.63% $4,493

    Coldwater, MI's 90 lenders originated 1,374 loans during 2021. The total origination value was $214,240,000, with an average loan value of $155,924.

    The top Coldwater lender as defined by loan originations is OAK MORTGAGE, LLC, with 63 loans originated. Their average total fees are $3,393, which is $1,139 higher than the next largest lender, Honor Credit Union.

    The lowest fee Coldwater lenders (with over 10 loans originated) are RUOFF MORTGAGE COMPANY, INC. ($1,695), BlueOx Credit Union ($2,194), Honor Credit Union ($2,254), CONSUMERS ($2,401) and Southern Michigan Bank & Trust ($2,498).

    The lowest rate Coldwater lenders (with over 10 loans originated) are OAK MORTGAGE, LLC (2.95%), The Huntington National Bank (3.03%), QUICKEN LOANS, LLC (3.12%), Flagstar Bank, FSB (3.24%) and CONSUMERS (3.25%).

    Coldwater, MI 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
    Southern Michigan Bank & Trust $28,540,000 $19,920,000 -30.2% 9.3%
    OAK MORTGAGE, LLC $13,640,000 $18,190,000 33.4% 8.5%
    QUICKEN LOANS, LLC $13,425,000 $16,870,000 25.7% 7.9%
    AMERIFIRST FINANCIAL CORPORATION $25,985,000 $15,530,000 -40.2% 7.2%
    Honor Credit Union $17,090,000 $14,505,000 -15.1% 6.8%
    CONSUMERS $8,740,000 $9,010,000 3.1% 4.2%
    The Huntington National Bank $3,940,000 $8,290,000 110.4% 3.9%
    MARSHALL COMMUNITY CREDIT UNION $14,780,000 $5,815,000 -60.7% 2.7%
    First Financial Bank $5,405,000 n/a 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $2,055,000 $4,750,000 131.1% 2.2%
    RUOFF MORTGAGE COMPANY, INC. $4,060,000 $4,700,000 15.8% 2.2%
    Flagstar Bank, FSB $2,950,000 $4,130,000 40.0% 1.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $450,000 $3,640,000 708.9% 1.7%
    PNC Bank $2,300,000 $3,035,000 32.0% 1.4%
    LAKE MICHIGAN CREDIT UNION $200,000 $2,965,000 1,382.5% 1.4%
    BlueOx Credit Union $2,160,000 $2,490,000 15.3% 1.2%
    LOANDEPOT.COM, LLC $1,165,000 $2,490,000 113.7% 1.2%
    Fifth Third Bank $2,735,000 $2,480,000 -9.3% 1.2%
    Old National Bank $1,040,000 $1,970,000 89.4% 0.9%
    Kellogg Community Credit Union $130,000 $1,905,000 1,365.4% 0.9%
    FREEDOM MORTGAGE CORPORATION $2,515,000 $1,895,000 -24.7% 0.9%
    MORTGAGE 1 INCORPORATED $960,000 $1,815,000 89.1% 0.8%
    VILLAGE CAPITAL & INVESTMENT LLC $440,000 $1,760,000 300.0% 0.8%
    AMERISAVE MORTGAGE CORPORATION $205,000 $1,700,000 729.3% 0.8%
    First Federal Bank of the Midwest $2,165,000 $1,690,000 -21.9% 0.8%
    BROKER SOLUTIONS, INC. $1,310,000 $1,670,000 27.5% 0.8%
    Farmers State Bank $445,000 $1,560,000 250.6% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $1,245,000 $1,530,000 22.9% 0.7%
    Mortgage Research Center, LLC $1,135,000 $1,455,000 28.2% 0.7%
    U.S. Bank $275,000 $1,430,000 420.0% 0.7%
    OMNI Community Credit Union $1,010,000 $1,395,000 38.1% 0.7%
    GVC MORTGAGE, INC. $135,000 $1,385,000 925.9% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $1,090,000 $1,370,000 25.7% 0.6%
    GreenStone Farm Credit Services, FLCA $3,085,000 $1,330,000 -56.9% 0.6%
    TCF National Bank $3,345,000 $1,255,000 -62.5% 0.6%
    JPMorgan Chase Bank $2,420,000 $1,235,000 -49.0% 0.6%
    CALIBER HOME LOANS, INC. $885,000 $1,140,000 28.8% 0.5%
    County National Bank $1,465,000 $1,090,000 -25.6% 0.5%
    The State Bank and Trust Company $1,865,000 $1,050,000 -43.7% 0.5%
    NAVY FEDERAL CREDIT UNION $1,140,000 $980,000 -14.0% 0.5%
    Carrington Mortgage Services, LLC $105,000 $950,000 804.8% 0.4%
    MORTGAGE CENTER L.C $240,000 $945,000 293.8% 0.4%
    Superior Credit Union, Inc. $1,700,000 $945,000 -44.4% 0.4%
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION $400,000 $910,000 127.5% 0.4%
    The Farmers & Merchants State Bank $1,085,000 $780,000 -28.1% 0.4%
    GUARANTEED RATE, INC. $240,000 $770,000 220.8% 0.4%
    INTERRA CREDIT UNION $745,000 n/a 0.3%
    MID AMERICA MORTGAGE, INC. $565,000 $740,000 31.0% 0.3%
    UNION HOME MORTGAGE CORP. $1,640,000 $740,000 -54.9% 0.3%
    HOME POINT FINANCIAL CORPORATION $330,000 $735,000 122.7% 0.3%
    COMMUNITY FINANCIAL CREDIT UNION $700,000 n/a 0.3%
    21ST MORTGAGE CORPORATION $220,000 $685,000 211.4% 0.3%
    MICHIGAN MUTUAL, INC. $1,490,000 $665,000 -55.4% 0.3%
    PENNYMAC LOAN SERVICES, LLC $145,000 $645,000 344.8% 0.3%
    The First National Bank of Pandora $710,000 $630,000 -11.3% 0.3%
    Wells Fargo Bank $695,000 $615,000 -11.5% 0.3%
    FIRST CHOICE MH LLC $680,000 $610,000 -10.3% 0.3%
    GENISYS $270,000 $590,000 118.5% 0.3%
    The Citizens National Bank of Bluffton $125,000 $585,000 368.0% 0.3%
    FINANCE OF AMERICA MORTGAGE LLC $195,000 $570,000 192.3% 0.3%
    V.I.P. MORTGAGE, INC. $545,000 n/a 0.3%
    Horizon Bank $760,000 $525,000 -30.9% 0.2%
    Independent Bank $330,000 $525,000 59.1% 0.2%
    NEWREZ LLC $170,000 $525,000 208.8% 0.2%
    KALSEE CREDIT UNION $515,000 n/a 0.2%
    ProFed Federal Credit Union $500,000 $515,000 3.0% 0.2%
    HALLMARK HOME MORTGAGE, LLC $285,000 $500,000 75.4% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,170,000 $500,000 -57.3% 0.2%
    Manufacturers and Traders Trust Company $495,000 n/a 0.2%
    FORT FINANCIAL Federal Credit Union $490,000 n/a 0.2%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $330,000 $490,000 48.5% 0.2%
    First Merchants Bank $485,000 n/a 0.2%
    ANGEL OAK HOME LOANS LLC $475,000 n/a 0.2%
    Neighborhood Loans, Inc. $640,000 $470,000 -26.6% 0.2%
    KeyBank $640,000 $450,000 -29.7% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $445,000 $435,000 -2.2% 0.2%
    Ally Bank $425,000 n/a 0.2%
    SUMMIT HOME MORTGAGE, LLC $145,000 $420,000 189.7% 0.2%
    AMERICAN MORTGAGE SERVICE COMPANY $790,000 $405,000 -48.7% 0.2%
    Northwest Bank $405,000 n/a 0.2%
    The Henry County Bank $375,000 n/a 0.2%
    Homestead Savings Bank $505,000 $355,000 -29.7% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $965,000 $350,000 -63.7% 0.2%
    PENTAGON FEDERAL CREDIT UNION $350,000 n/a 0.2%
    The Union Bank Company $380,000 $325,000 -14.5% 0.2%
    GUARANTEED RATE AFFINITY, LLC $320,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $685,000 $320,000 -53.3% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $450,000 $305,000 -32.2% 0.1%
    HOMEXPRESS MORTGAGE CORP. $305,000 n/a 0.1%
    TEACHERS CREDIT UNION $305,000 n/a 0.1%
    WRIGHT-PATT CREDIT UNION, INC. $305,000 n/a 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $300,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $735,000 $290,000 -60.5% 0.1%
    First Federal Savings Bank $890,000 $280,000 -68.5% 0.1%
    STOCKTON MORTGAGE CORPORATION $270,000 n/a 0.1%
    SUCCESS MORTGAGE PARTNERS, INC. $75,000 $265,000 253.3% 0.1%
    Pacor Mortgage Corp $205,000 $255,000 24.4% 0.1%
    Directions Credit Union, Inc. $305,000 $235,000 -23.0% 0.1%
    Bank of America $295,000 $220,000 -25.4% 0.1%
    First Federal Savings and Loan Association of Lakewood $295,000 $215,000 -27.1% 0.1%
    Associated Bank $205,000 n/a 0.1%
    First State Bank $205,000 n/a 0.1%
    Level One Bank $575,000 $205,000 -64.3% 0.1%
    The Park National Bank $545,000 $205,000 -62.4% 0.1%
    ADVIA $180,000 $200,000 11.1% 0.1%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $115,000 $200,000 73.9% 0.1%
    MEMBER FIRST MORTGAGE, LLC $200,000 n/a 0.1%
    Nations Lending Corporation $200,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $915,000 $200,000 -78.1% 0.1%
    AMERICAN FINANCING CORPORATION $220,000 $195,000 -11.4% 0.1%
    Arvest Bank $195,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $155,000 $195,000 25.8% 0.1%
    HOMESTEAD FUNDING CORP. $205,000 $195,000 -4.9% 0.1%
    Citizens Bank $315,000 $190,000 -39.7% 0.1%
    First Commonwealth Bank $185,000 n/a 0.1%
    Mercantile Bank of Michigan $205,000 $175,000 -14.6% 0.1%
    SOFI LENDING CORP. $175,000 n/a 0.1%
    STAR Financial Bank $780,000 $175,000 -77.6% 0.1%
    The Federal Savings Bank $185,000 $165,000 -10.8% 0.1%
    Lake Trust Credit Union $125,000 $160,000 28.0% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $270,000 $155,000 -42.6% 0.1%
    Bank of England $75,000 $155,000 106.7% 0.1%
    Barrington Bank & Trust Company, N.A. $550,000 $155,000 -71.8% 0.1%
    BEACON CREDIT UNION $155,000 n/a 0.1%
    UIF CORPORATION $425,000 $145,000 -65.9% 0.1%
    ARBOR FINANCIAL CREDIT UNION $1,110,000 $140,000 -87.4% 0.1%
    BNC National Bank $135,000 n/a 0.1%
    Commercial Bank $135,000 n/a 0.1%
    DAS Acquisition Company, LLC $135,000 n/a 0.1%
    InterContinental Capital Group, Inc $135,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $135,000 n/a 0.1%
    GREAT LAKES $125,000 n/a 0.1%
    LOANPAL, LLC $125,000 n/a 0.1%
    ACADEMY MORTGAGE CORPORATION $215,000 $115,000 -46.5% 0.1%
    CHERRY CREEK MORTGAGE, LLC $115,000 n/a 0.1%
    LAND HOME FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
    ALL WESTERN MORTGAGE, INC. $105,000 n/a 0.0%
    PLANET HOME LENDING, LLC $85,000 $105,000 23.5% 0.0%
    Wildfire Credit Union $105,000 n/a 0.0%
    ZILLOW HOME LOANS, LLC $105,000 n/a 0.0%
    RELIANCE FIRST CAPITAL, LLC $95,000 n/a 0.0%
    Waterford Bank, N.A. $95,000 n/a 0.0%
    Discover Bank $45,000 $85,000 88.9% 0.0%
    Sturgis Bank & Trust Company $4,920,000 $85,000 -98.3% 0.0%
    FINANCIAL PLUS CREDIT UNION $75,000 n/a 0.0%
    LENOX FINANCIAL MORTGAGE CORPORATION $75,000 n/a 0.0%
    SPRING EQ, LLC $75,000 n/a 0.0%
    MICHIGAN SCHOOLS AND GOVERNMENT $15,000 $65,000 333.3% 0.0%
    The Old Fort Banking Company $55,000 n/a 0.0%
    UNITED $55,000 n/a 0.0%
    AMERICAN ADVISORS GROUP $75,000 $45,000 -40.0% 0.0%
    ROSS MORTGAGE CORPORATION $35,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $35,000 n/a 0.0%
    Figure Lending LLC $25,000 n/a 0.0%

    Coldwater's top lender by overall market share is Southern Michigan Bank & Trust, with 9.3% market share. In second place, with 8.5%, is OAK MORTGAGE, LLC, having originated $18,190,000 in loans. In third place, with 7.9%, is QUICKEN LOANS, LLC, having originated $16,870,000 in loans. In third place, with 7.2%, is AMERIFIRST FINANCIAL CORPORATION, having originated $15,530,000 in loans. In third place, with 6.8%, is Honor Credit Union, having originated $14,505,000 in loans.

    Coldwater, MI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 518 $89,740,000 $173,243
    Refi 429 $63,815,000 $148,753
    Cash Out Refi 321 $53,435,000 $166,464
    Home Improvement 71 $4,185,000 $58,944
    Other 35 $3,065,000 $87,571

    Coldwater's most frequently cited loan purpose was Home Purchase, with 518 originations. The 2nd most popular reason was Refi, with 429 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 526 $85,490,000 $162,529
    2.5-3% 487 $80,225,000 $164,733
    <2.5% 206 $33,380,000 $162,039
    4-5% 86 $10,130,000 $117,791
    5-6% 23 $1,915,000 $83,261
    Over 8% 18 $840,000 $46,667
    6-7% 11 $555,000 $50,455
    7-8% 6 $300,000 $50,000

    During 2021, Coldwater's most frequently originated rate bucket was 3-4%, with 526 originations.

    Loan Sizing (Coldwater, MI MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 646 $91,410,000 $141,502
    $100,000 or less 433 $28,255,000 $65,254
    $200k-400k 252 $66,510,000 $263,929
    $400k-600k 35 $16,265,000 $464,714
    $600k-1000k 5 $3,895,000 $779,000
    $Over $1MM 3 $7,905,000 $2,635,000

    Coldwater's loan sizing saw the bucket of loans from $100k-200k with 646 originations, totaling $91,410,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 508 $86,290,000 $169,862
    60-80% 452 $81,220,000 $179,690
    40-60% 219 $30,115,000 $137,511
    20-40% 107 $8,705,000 $81,355
    Under 20% 46 $1,590,000 $34,565
    Over 100% 7 $1,665,000 $237,857

    Coldwater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 508 originations, totaling $86,290,000 in origination value.

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Coldwater (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 $136,450 (-6.5%) $216,577 (12.1%) 0.00 159
    2018-02-01 $144,000 (-3.9%) $228,014 (9.7%) 0.00 164
    2018-03-01 $149,900 (-1.5%) $214,614 (-3.8%) 0.00 155
    2018-04-01 $159,900 (6.7%) $215,110 (-5.1%) 0.00 165
    2018-05-01 $159,950 (6.7%) $213,888 (-3.7%) 0.00 170
    2018-06-01 $162,000 (8.4%) $212,826 (-0.8%) 0.00 172
    2018-07-01 $160,000 (6.7%) $210,657 (-2.1%) 0.00 183
    2018-08-01 $163,500 (4.2%) $210,804 (-0.8%) 0.00 180
    2018-09-01 $152,000 (1.4%) $207,616 (-3.3%) 0.00 173
    2018-10-01 $159,900 (7.0%) $199,074 (-8.1%) 0.00 166
    2018-11-01 $152,450 (2.3%) $193,910 (-10.2%) 0.00 169
    2018-12-01 $149,900 (3.4%) $189,278 (-12.1%) 0.00 171
    2019-01-01 $143,750 (5.4%) $196,731 (-9.2%) 0.00 148
    2019-02-01 $138,450 (-3.9%) $196,403 (-13.9%) 0.00 142
    2019-03-01 $144,643 (-3.5%) $206,753 (-3.7%) 0.00 133
    2019-04-01 $151,868 (-5.0%) $221,529 (3.0%) 0.00 133
    2019-05-01 $159,450 (-0.3%) $236,567 (10.6%) 0.00 137
    2019-06-01 $159,900 (-1.3%) $237,479 (11.6%) 0.00 162
    2019-07-01 $158,250 (-1.1%) $231,223 (9.8%) 0.00 167
    2019-08-01 $147,329 (-9.9%) $217,620 (3.2%) 0.00 167
    2019-09-01 $146,879 (-3.4%) $209,730 (1.0%) 0.00 169
    2019-10-01 $142,450 (-10.9%) $202,875 (1.9%) 0.00 167
    2019-11-01 $143,900 (-5.6%) $199,408 (2.8%) 0.00 165
    2019-12-01 $138,500 (-7.6%) $203,522 (7.5%) 0.00 169
    2020-01-01 $139,450 (-3.0%) $204,177 (3.8%) 0.00 169
    2020-02-01 $139,900 (1.1%) $210,332 (7.1%) 0.00 175
    2020-03-01 $147,000 (1.6%) $224,938 (8.8%) 0.00 159
    2020-04-01 $144,900 (-4.6%) $235,941 (6.5%) 0.00 149
    2020-05-01 $155,000 (-2.8%) $248,497 (5.0%) 0.00 144
    2020-06-01 $149,700 (-6.4%) $247,532 (4.2%) 0.00 121
    2020-07-01 $159,900 (1.0%) $252,199 (9.1%) 0.00 112
    2020-08-01 $159,900 (8.5%) $265,293 (21.9%) 0.00 94
    2020-09-01 $164,950 (12.3%) $289,685 (38.1%) 0.00 81
    2020-10-01 $182,000 (27.8%) $283,532 (39.8%) 0.00 76
    2020-11-01 $185,950 (29.2%) $280,123 (40.5%) 0.00 78
    2020-12-01 $179,900 (29.9%) $278,951 (37.1%) 0.00 87
    2021-01-01 $169,900 (21.8%) $273,464 (33.9%) 0.00 81
    2021-02-01 $179,900 (28.6%) $297,959 (41.7%) 0.00 65
    2021-03-01 $194,900 (32.6%) $303,618 (35.0%) 0.00 52
    2021-04-01 $174,000 (20.1%) $305,200 (29.4%) 0.00 44
    2021-05-01 $179,000 (15.5%) $299,931 (20.7%) 0.00 46
    2021-06-01 $187,400 (25.2%) $306,560 (23.9%) 0.00 57
    2021-07-01 $179,950 (12.5%) $311,981 (23.7%) 0.00 60
    2021-08-01 $176,750 (10.5%) $298,952 (12.7%) 0.00 69
    2021-09-01 $169,750 (2.9%) $264,212 (-8.8%) 0.00 71
    2021-10-01 $179,000 (-1.7%) $295,767 (4.3%) 0.00 71
    2021-11-01 $182,400 (-1.9%) $294,145 (5.0%) 0.00 77
    2021-12-01 $187,400 (4.2%) $300,709 (7.8%) 0.00 69
    2022-01-01 $199,000 (17.1%) $289,284 (5.8%) 0.00 58
    2022-02-01 $204,450 (13.7%) $298,794 (0.3%) 0.00 52
    2022-03-01 $199,900 (2.6%) $274,025 (-9.8%) 0.00 44
    2022-04-01 $199,900 (14.9%) $313,919 (2.9%) 0.00 47
    2022-05-01 $231,950 (29.6%) $298,250 (-0.6%) 0.00 69
    Coldwater's median listing price for 2022-05-01 was $231,950, a difference of $52,950 (29.6%) versus the prior year and $32,050 versus the prior month.

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

    Coldwater's average listing price for 2022-05-01 was $298,250, a difference of $-1,681 (-0.6%) versus the prior year and $-15,669 versus the prior month.

    For the 2022-05-01 period, Coldwater had 69 MLS listings, a difference of 22 listings (47%) versus the prior month and 23 listings (50%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Coldwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,600 sqft
    2018-02-01 0 days 1,600 sqft
    2018-03-01 0 days 1,600 sqft
    2018-04-01 0 days 1,600 sqft
    2018-05-01 0 days 1,600 sqft
    2018-06-01 0 days 1,565 sqft
    2018-07-01 0 days 1,600 sqft
    2018-08-01 0 days 1,607 sqft
    2018-09-01 0 days 1,600 sqft
    2018-10-01 0 days 1,600 sqft
    2018-11-01 0 days 1,600 sqft
    2018-12-01 0 days 1,584 sqft
    2019-01-01 0 days 1,616 sqft
    2019-02-01 0 days 1,607 sqft
    2019-03-01 0 days 1,600 sqft
    2019-04-01 0 days 1,605 sqft
    2019-05-01 0 days 1,619 sqft
    2019-06-01 0 days 1,600 sqft
    2019-07-01 0 days 1,653 sqft
    2019-08-01 0 days 1,612 sqft
    2019-09-01 0 days 1,659 sqft
    2019-10-01 0 days 1,694 sqft
    2019-11-01 0 days 1,700 sqft
    2019-12-01 0 days 1,693 sqft
    2020-01-01 0 days 1,694 sqft
    2020-02-01 0 days 1,672 sqft
    2020-03-01 0 days 1,708 sqft
    2020-04-01 0 days 1,722 sqft
    2020-05-01 0 days 1,728 sqft
    2020-06-01 0 days 1,606 sqft
    2020-07-01 0 days 1,727 sqft
    2020-08-01 0 days 1,800 sqft
    2020-09-01 0 days 1,824 sqft
    2020-10-01 0 days 1,900 sqft
    2020-11-01 0 days 1,682 sqft
    2020-12-01 0 days 1,712 sqft
    2021-01-01 0 days 1,590 sqft
    2021-02-01 0 days 1,748 sqft
    2021-03-01 0 days 1,647 sqft
    2021-04-01 0 days 1,524 sqft
    2021-05-01 0 days 1,524 sqft
    2021-06-01 0 days 1,612 sqft
    2021-07-01 0 days 1,575 sqft
    2021-08-01 0 days 1,708 sqft
    2021-09-01 0 days 1,600 sqft
    2021-10-01 0 days 1,664 sqft
    2021-11-01 0 days 1,806 sqft
    2021-12-01 0 days 1,800 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,831 sqft
    2022-03-01 0 days 1,824 sqft
    2022-04-01 0 days 1,718 sqft
    2022-05-01 0 days 1,727 sqft
    Coldwater's median listing age (time on market) for 2022-05-01 was 0 days.

    Coldwater's median square footage for active listings during the 2022-05-01 period was 1,727 sqft. One year prior, the average listing was 1,524 sqft.