JANESVILLE - BELOIT Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Janesville - Beloit averaged 6.63% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 6.71% and one month ago for the week of 2024-04-18, the average rate was 6.89%.

Janesville - Beloit's average rate one year ago was 6.08%.

For refis of the same type during the week of 2024-05-23, the average rate was 5.96%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Janesville - Beloit 30 Year Fixed Rate 2024-05-23 6.63%
Janesville - Beloit 30 Year Fixed Rate Refi 2024-05-23 5.96%
Janesville - Beloit 15 Year Fixed Rate 2024-05-23 6.44%
Janesville - Beloit 15 Year Fixed Rate Refi 2024-05-23 6.24%
Janesville - Beloit 30 Year FHA 2024-05-23 6.91%
Janesville - Beloit 30 Year FHA Refi 2024-05-23 6.75%
Janesville - Beloit 30 Year USDA 2024-05-23 6.74%
Janesville - Beloit 30 Year USDA Refi 2024-05-23 6.94%
Janesville - Beloit 30 Year VA 2024-05-23 6.78%
Janesville - Beloit 30 Year VA Refi 2024-05-23 6.67%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JANESVILLE-BELOIT, WI.

JANESVILLE - BELOIT 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 JANESVILLE-BELOIT, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Johnson Bank 156 6.42% $2,542
Blackhawk Community Credit Union 120 6.75% $2,649
Summit Credit Union 111 6.53% $2,782
GUILD MORTGAGE COMPANY 66 6.88% $4,870
The First National Bank and Trust Company 62 6.68% $2,891
University of Wisconsin Credit Union 53 6.34% $3,426
QUICKEN LOANS, LLC 49 6.92% $5,810
First Community Credit Union 44 6.52% $1,730
THOMPSON KANE & COMPANY, LLC 41 6.79% $5,133
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 6.70% $3,904
Associated Bank 36 6.83% $2,455
Blackhawk Bank 30 6.92% $2,916
The Bank of New Glarus 29 6.98% $2,213
Barrington Bank & Trust Company, N.A. 29 6.72% $4,238
U.S. Bank 29 6.75% $3,879
EDUCATORS CREDIT UNION 23 6.22% $1,725
UNITED WHOLESALE MORTGAGE, LLC 21 7.24% $4,757
ENVOY MORTGAGE, LTD 19 6.55% $5,627
JPMorgan Chase Bank 19 6.91% $4,017
State Bank of Cross Plains 17 6.74% $2,115
PremierBank 16 6.98% $2,423
MORTGAGE CENTER L.C 15 6.27% $3,765
Bell Bank 14 6.57% $6,447
GUARANTEED RATE, INC. 13 7.00% $4,264
GREENSTATE CREDIT UNION 12 6.74% $3,242
Bankers' Bank 12 6.60% $3,242
CORNERSTONE HOME LENDING, INC. 11 7.03% $7,454
CARDINAL FINANCIAL 11 6.39% $6,990
Old National Bank 10 6.85% $3,858
Wells Fargo Bank 9 6.90% $3,373
Prosperity Home Mortgage, LLC 9 6.03% $3,746
Landmark Credit Union 9 6.93% $2,123
The Huntington National Bank 8 6.83% $4,147
Ixonia Bank 8 6.65% $4,405
Nations Lending Corporation 8 6.81% $4,125
WISCONSIN MORTGAGE CORPORATION 8 6.42% $2,789
The Park Bank 8 6.34% $2,567
NEWREZ LLC 7 6.86% $3,632
The Greenwood's State Bank 6 6.42% $1,774
MARINE 6 8.36% $6,467
NAVY FEDERAL CREDIT UNION 6 6.33% $3,543
LOANDEPOT.COM, LLC 6 6.64% $5,683
BMO Harris Bank 6 6.98% $3,062
ZILLOW HOME LOANS, LLC 6 7.21% $4,425
A + MORTGAGE SERVICES, INC. 6 6.71% $3,027
Mortgage Research Center, LLC 5 7.03% $4,685
Bank of England 5 6.35% $5,182
AmeriHome Mortgage Company, LLC 4 6.78% $3,097
Bank First, N.A. 4 6.53% $2,363
CROSSCOUNTRY MORTGAGE, LLC 4 7.03% $4,154
Servion, Inc. 3 6.17% $2,075
Bank of Sun Prairie 3 6.75% $4,355
DAS Acquisition Company, LLC 3 7.45% $3,633
CHURCHILL MORTGAGE CORPORATION 3 7.00% $4,526
FIRST CENTENNIAL MORTGAGE CORPORATION 3 6.58% $3,128
First Mid Bank & Trust 3 7.29% $3,915
Mound City Bank 2 7.19% $2,941
Mr. Cooper ( Nationstar Mortgage ) 2 6.38% $5,267
Discover Bank 2 6.74% $0
NexBank 2 6.56% $2,898
Oregon Community Bank 2 6.94% $5,874
Paramount Residential Mortgage Group, Inc. 2 7.69% $4,825
PLANET HOME LENDING, LLC 2 6.75% $5,830
PNC Bank 2 7.19% $4,222
PRIME FINANCIAL CREDIT UNION 2 7.01% $2,063
PROPER RATE, LLC 2 6.63% $3,637
Fifth Third Bank 2 7.50% $3,020
Rock Valley Credit Union 2 7.31% $3,435
Royal Credit Union 2 7.06% $0
SIRVA MORTGAGE, INC. 2 7.19% $1,841
First Federal Bank 2 6.50% $3,048
Waukesha State Bank 2 5.90% $2,303
WINGS FINANCIAL 2 6.63% $3,368
COMPASS MORTGAGE, INC. 2 7.06% $5,403
BETTER MORTGAGE CORPORATION 2 7.50% $2,988
MOVEMENT MORTGAGE, LLC 2 7.28% $3,958
M&T Bank 1 6.50% $4,915
American Mortgage & Equity Consultants, Inc. 1 5.88% $7,755
Bank Five Nine 1 6.75% $3,245
BAY EQUITY LLC 1 5.99% $5,948
BAYSHORE MORTGAGE FUNDING, LLC 1 7.50% $4,416
BAY-VALLEY MORTGAGE GROUP 1 7.38% $5,149
Blue Ridge Bank 1 6.63% $2,868
BROKER SOLUTIONS, INC. 1 7.63% $6,517
Capitol Federal Savings Bank 1 7.38% $4,713
Carrington Mortgage Services, LLC 1 6.63% $5,853
Charles Schwab Bank, SSB 1 5.75% $4,899
CIBM Bank 1 7.00% $2,297
Citizens Bank 1 6.00% $3,824
Citizens Community Federal 1 6.75% $3,486
CO-OP Credit Union 1 6.68% $2,028
Coulee Bank 1 6.50% $3,418
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 8.12% $7,471
DRAPER AND KRAMER MORTGAGE CORP. 1 6.63% $3,339
ENDEAVOR CAPITAL, LLC. 1 7.49% $4,659
First National Bank of Omaha 1 7.13% $3,561
FIRST NORTHERN Credit Union 1 7.63% $2,412
First State Bank of St. Charles, Missouri 1 6.13% $3,133
FIRST STATE MORTGAGE SERVICES, LLC 1 7.25% $3,264
Gateway First Bank 1 6.38% $5,669
Goldman Sachs Bank USA 1 5.85% $5,391
Goldwater Bank, N.A. 1 6.88% $5,984
GREAT LAKES 1 6.13% $4,950
Great Midwest Bank, S.S.B. 1 7.50% $2,397
GUARANTEED RATE AFFINITY, LLC 1 6.38% $7,242
Heartland Credit Union (Madison) 1 6.63% $1,760
HOMESIDE FINANCIAL, LLC 1 6.75% $3,745
KELLER MORTGAGE, LLC 1 7.63% $4,310
LAKEVIEW LOAN SERVICING, LLC 1 7.63% $6,601
Midland States Bank 1 7.63% $3,275
Monona Bank 1 6.13% $2,794
Morgan Stanley Private Bank 1 6.00% $2,610
AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $3,018
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.50% $6,460
National Exchange Bank and Trust 1 6.25% $2,390
PENNYMAC LOAN SERVICES, LLC 1 5.38% $7,667
PHH Mortgage Corporation 1 7.63% $3,394
PREMIA MORTGAGE, LLC 1 6.50% $3,829
PyraMax Bank, FSB 1 7.25% $3,102
RUOFF MORTGAGE COMPANY, INC. 1 6.63% $2,073
Settlers Bank 1 5.50% $2,982
Stillman Bank 1 5.88% $1,999
The Central Trust Bank 1 7.25% $2,957
The Equitable Bank, S.S.B. 1 6.13% $2,626
UNITEDONE Credit Union 1 4.88% $2,169
USAA Federal Savings Bank 1 7.25% $3,215
VAN DYK MORTGAGE CORPORATION 1 7.38% $2,891

JANESVILLE - BELOIT Average Closing Costs & Other Stats

JANESVILLE-BELOIT, WI's 127 lenders originated 4,445 loans during 2023. The total origination value was $666,015,000, with an average loan value of $149,835.

JANESVILLE - BELOIT's average closing costs are $3,554.

The top JANESVILLE - BELOIT lender as defined by loan originations is Johnson Bank, with 156 loans originated. Their average total fees are $2,542, which is $107 lower than the next largest lender, Blackhawk Community Credit Union.

The lowest fee JANESVILLE - BELOIT lenders (with over 10 loans originated) are EDUCATORS CREDIT UNION ($1,725), First Community Credit Union ($1,730), State Bank of Cross Plains ($2,115), The Bank of New Glarus ($2,213) and PremierBank ($2,423).

The lowest rate JANESVILLE - BELOIT lenders (with over 10 loans originated) are EDUCATORS CREDIT UNION (6.22%), MORTGAGE CENTER L.C (6.27%), University of Wisconsin Credit Union (6.34%), CARDINAL FINANCIAL (6.39%) and Johnson Bank (6.42%).

JANESVILLE-BELOIT, WI Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Johnson Bank $60,670,000 $61,425,000 1.2% 9.2%
Summit Credit Union $61,840,000 $60,595,000 -2.0% 9.1%
Blackhawk Community Credit Union $64,105,000 $51,285,000 -20.0% 7.7%
GUILD MORTGAGE COMPANY $15,515,000 $29,805,000 92.1% 4.5%
University of Wisconsin Credit Union $33,800,000 $26,340,000 -22.1% 4.0%
QUICKEN LOANS, LLC $32,540,000 $24,130,000 -25.8% 3.6%
THOMPSON KANE & COMPANY, LLC $17,855,000 $21,025,000 17.8% 3.2%
The First National Bank and Trust Company $33,025,000 $19,195,000 -41.9% 2.9%
EDUCATORS CREDIT UNION $15,135,000 $13,775,000 -9.0% 2.1%
Associated Bank $24,070,000 $13,335,000 -44.6% 2.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $20,960,000 $13,320,000 -36.5% 2.0%
Mortgage Research Center, LLC $10,005,000 $11,955,000 19.5% 1.8%
ADVIA $12,780,000 $11,420,000 -10.6% 1.7%
Midland States Bank $270,000 $11,185,000 4,042.6% 1.7%
First Community Bank $12,995,000 $11,160,000 -14.1% 1.7%
Blackhawk Bank $19,515,000 $10,595,000 -45.7% 1.6%
Barrington Bank & Trust Company, N.A. $5,550,000 $9,730,000 75.3% 1.5%
First Community Credit Union $10,295,000 $9,530,000 -7.4% 1.4%
The Bank of New Glarus $5,015,000 $9,420,000 87.8% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $9,055,000 $9,295,000 2.7% 1.4%
Bank of Milton $10,635,000 $9,225,000 -13.3% 1.4%
Wisconsin River Bank $13,325,000 $9,170,000 -31.2% 1.4%
U.S. Bank $11,770,000 $9,070,000 -22.9% 1.4%
ENVOY MORTGAGE, LTD $15,125,000 $8,505,000 -43.8% 1.3%
Bell Bank $1,525,000 $8,285,000 443.3% 1.2%
BMO Harris Bank $10,475,000 $8,130,000 -22.4% 1.2%
The Bank of Brodhead $11,880,000 $6,510,000 -45.2% 1.0%
State Bank of Cross Plains $44,330,000 $6,250,000 -85.9% 0.9%
Old National Bank $8,935,000 $5,785,000 -35.3% 0.9%
PremierBank $9,065,000 $5,430,000 -40.1% 0.8%
JPMorgan Chase Bank $8,595,000 $5,070,000 -41.0% 0.8%
CORNERSTONE HOME LENDING, INC. $4,190,000 $4,835,000 15.4% 0.7%
CARDINAL FINANCIAL $6,705,000 $4,750,000 -29.2% 0.7%
GUARANTEED RATE, INC. $5,035,000 $4,720,000 -6.3% 0.7%
MORTGAGE CENTER L.C $9,845,000 $4,315,000 -56.2% 0.6%
GREENSTATE CREDIT UNION $2,425,000 $4,195,000 73.0% 0.6%
Bank of Deerfield $4,145,000 $4,120,000 -0.6% 0.6%
Prosperity Home Mortgage, LLC $4,100,000 $3,915,000 -4.5% 0.6%
LOANDEPOT.COM, LLC $6,355,000 $3,685,000 -42.0% 0.6%
The Park Bank $2,630,000 $3,355,000 27.6% 0.5%
Nations Lending Corporation $3,270,000 $3,235,000 -1.1% 0.5%
NAVY FEDERAL CREDIT UNION $1,415,000 $3,100,000 119.1% 0.5%
NEWREZ LLC $5,615,000 $2,930,000 -47.8% 0.4%
SENB Bank $4,570,000 $2,910,000 -36.3% 0.4%
PENNYMAC LOAN SERVICES, LLC $4,410,000 $2,870,000 -34.9% 0.4%
Woodford State Bank $1,340,000 $2,860,000 113.4% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $3,945,000 $2,840,000 -28.0% 0.4%
WISCONSIN MORTGAGE CORPORATION $7,130,000 $2,790,000 -60.9% 0.4%
Bankers' Bank $1,565,000 $2,750,000 75.7% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $6,225,000 $2,635,000 -57.7% 0.4%
PLANET HOME LENDING, LLC $2,085,000 $2,555,000 22.5% 0.4%
Wells Fargo Bank $5,020,000 $2,505,000 -50.1% 0.4%
Landmark Credit Union $2,965,000 $2,500,000 -15.7% 0.4%
A + MORTGAGE SERVICES, INC. $1,535,000 $2,155,000 40.4% 0.3%
Ixonia Bank $525,000 $2,070,000 294.3% 0.3%
MARINE $1,565,000 $1,920,000 22.7% 0.3%
Oak Bank $1,850,000 $1,875,000 1.4% 0.3%
The Greenwood's State Bank $2,190,000 $1,785,000 -18.5% 0.3%
Bank of England $995,000 $1,755,000 76.4% 0.3%
Town Bank, N.A. $6,830,000 $1,745,000 -74.5% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $840,000 $1,610,000 91.7% 0.2%
BROKER SOLUTIONS, INC. $3,085,000 $1,605,000 -48.0% 0.2%
Oregon Community Bank $3,095,000 $1,510,000 -51.2% 0.2%
Discover Bank $640,000 $1,470,000 129.7% 0.2%
USAA Federal Savings Bank $2,075,000 $1,410,000 -32.0% 0.2%
The Huntington National Bank $130,000 $1,395,000 973.1% 0.2%
ZILLOW HOME LOANS, LLC $1,290,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,860,000 $1,255,000 -32.5% 0.2%
Carrington Mortgage Services, LLC $1,760,000 $1,090,000 -38.1% 0.2%
PNC Bank $1,300,000 $1,045,000 -19.6% 0.2%
Bank of America $1,110,000 $1,040,000 -6.3% 0.2%
DAS Acquisition Company, LLC $1,995,000 $1,015,000 -49.1% 0.2%
Peoples State Bank $2,995,000 $975,000 -67.4% 0.1%
AMERISAVE MORTGAGE CORPORATION $3,070,000 $925,000 -69.9% 0.1%
First Federal Bank $595,000 $920,000 54.6% 0.1%
Servion, Inc. $2,250,000 $920,000 -59.1% 0.1%
Bank of Sun Prairie $4,560,000 $905,000 -80.2% 0.1%
Goldman Sachs Bank USA $575,000 $905,000 57.4% 0.1%
Fifth Third Bank $315,000 $880,000 179.4% 0.1%
FREEDOM MORTGAGE CORPORATION $4,985,000 $840,000 -83.1% 0.1%
American Mortgage & Equity Consultants, Inc. $835,000 n/a 0.1%
Stillman Bank $2,520,000 $835,000 -66.9% 0.1%
BETTER MORTGAGE CORPORATION $315,000 $805,000 155.6% 0.1%
Bank First, N.A. $795,000 n/a 0.1%
First Mid Bank & Trust $795,000 n/a 0.1%
Heartland Credit Union (Madison) $1,640,000 $795,000 -51.5% 0.1%
ENDEAVOR CAPITAL, LLC. $310,000 $785,000 153.2% 0.1%
UNITEDONE Credit Union $770,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $1,085,000 $750,000 -30.9% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $750,000 n/a 0.1%
COMPEER FINANCIAL, FLCA $3,375,000 $715,000 -78.8% 0.1%
NEW DAY FINANCIAL, LLC $975,000 $700,000 -28.2% 0.1%
Badger Bank $1,385,000 $695,000 -49.8% 0.1%
NexBank $305,000 $695,000 127.9% 0.1%
Flagstar Bank, FSB $2,755,000 $690,000 -75.0% 0.1%
TRIAD FINANCIAL SERVICES, INC. $635,000 n/a 0.1%
EMBRACE HOME LOANS, INC. $325,000 $615,000 89.2% 0.1%
Waukesha State Bank $480,000 $615,000 28.1% 0.1%
UNION HOME MORTGAGE CORP. $600,000 n/a 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $635,000 $585,000 -7.9% 0.1%
PROPER RATE, LLC $580,000 n/a 0.1%
WINGS FINANCIAL $575,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $225,000 $565,000 151.1% 0.1%
CIBM Bank $540,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $230,000 $535,000 132.6% 0.1%
Bank Five Nine $225,000 $530,000 135.6% 0.1%
Figure Lending LLC $700,000 $520,000 -25.7% 0.1%
SIRVA MORTGAGE, INC. $520,000 n/a 0.1%
PRIME FINANCIAL CREDIT UNION $510,000 n/a 0.1%
CBI Bank & Trust $505,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $610,000 $500,000 -18.0% 0.1%
Paramount Residential Mortgage Group, Inc. $2,680,000 $485,000 -81.9% 0.1%
The Equitable Bank, S.S.B. $480,000 n/a 0.1%
KELLER MORTGAGE, LLC $460,000 n/a 0.1%
Mound City Bank $875,000 $455,000 -48.0% 0.1%
Cornerstone Credit Union $450,000 n/a 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $95,000 $445,000 368.4% 0.1%
MOVEMENT MORTGAGE, LLC $345,000 $440,000 27.5% 0.1%
VILLAGE CAPITAL MORTGAGE $950,000 $430,000 -54.7% 0.1%
COMPASS MORTGAGE, INC. $385,000 $420,000 9.1% 0.1%
Coastal Community Bank $415,000 n/a 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $395,000 n/a 0.1%
Capitol Federal Savings Bank $1,765,000 $385,000 -78.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $275,000 $385,000 40.0% 0.1%
Royal Credit Union $75,000 $370,000 393.3% 0.1%
CALIBER HOME LOANS, INC. $2,230,000 $365,000 -83.6% 0.1%
CMG MORTGAGE, INC. $155,000 $355,000 129.0% 0.1%
Dairy State Bank $355,000 n/a 0.1%
Rock Valley Credit Union $225,000 $355,000 57.8% 0.1%
Farmers & Merchants State Bank $1,265,000 $345,000 -72.7% 0.1%
NBKC BANK $345,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $295,000 $340,000 15.3% 0.1%
M&T Bank $355,000 $330,000 -7.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $95,000 $330,000 247.4% 0.0%
V.I.P. MORTGAGE, INC. $700,000 $325,000 -53.6% 0.0%
National Exchange Bank and Trust $315,000 n/a 0.0%
GREAT LAKES $305,000 n/a 0.0%
LAKEVIEW LOAN SERVICING, LLC $785,000 $300,000 -61.8% 0.0%
River Bank $295,000 n/a 0.0%
Charles Schwab Bank, SSB $285,000 n/a 0.0%
PREMIA MORTGAGE, LLC $675,000 $285,000 -57.8% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $275,000 n/a 0.0%
BAY EQUITY LLC $365,000 $275,000 -24.7% 0.0%
PyraMax Bank, FSB $275,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $525,000 $270,000 -48.6% 0.0%
Monona Bank $4,360,000 $265,000 -93.9% 0.0%
Morgan Stanley Private Bank $315,000 $265,000 -15.9% 0.0%
NATIONS DIRECT MORTGAGE, LLC $265,000 n/a 0.0%
Settlers Bank $265,000 n/a 0.0%
Ameris Bank $255,000 n/a 0.0%
First American Bank $45,000 $255,000 466.7% 0.0%
First National Bank of Omaha $330,000 $255,000 -22.7% 0.0%
FIRST NORTHERN Credit Union $165,000 $255,000 54.5% 0.0%
LOANPAL, LLC $805,000 $255,000 -68.3% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $115,000 $255,000 121.7% 0.0%
Denver Savings Bank $245,000 n/a 0.0%
Goldwater Bank, N.A. $245,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $240,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $455,000 $235,000 -48.4% 0.0%
Citizens Bank $235,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $165,000 $235,000 42.4% 0.0%
The Federal Savings Bank $225,000 $235,000 4.4% 0.0%
Connexus Credit Union $255,000 $230,000 -9.8% 0.0%
Allied First Bank,sb $225,000 n/a 0.0%
Community First Credit Union $225,000 n/a 0.0%
Plains Commerce Bank $145,000 $225,000 55.2% 0.0%
Royal Bank $225,000 n/a 0.0%
Sauk Valley Bank & Trust Company $250,000 $225,000 -10.0% 0.0%
The Central Trust Bank $205,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $200,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $380,000 $195,000 -48.7% 0.0%
North Shore Trust and Savings $195,000 n/a 0.0%
The Harvard State Bank $805,000 $195,000 -75.8% 0.0%
21ST MORTGAGE CORPORATION $185,000 $180,000 -2.7% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $175,000 n/a 0.0%
Citizens Community Federal $175,000 n/a 0.0%
BAY-VALLEY MORTGAGE GROUP $155,000 n/a 0.0%
Blue Ridge Bank $640,000 $155,000 -75.8% 0.0%
Great Midwest Bank, S.S.B. $185,000 $155,000 -16.2% 0.0%
Lakeview Community Capital, LLC $155,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $175,000 $155,000 -11.4% 0.0%
NORTHWEST BANK OF ROCKFORD $715,000 $155,000 -78.3% 0.0%
PHH Mortgage Corporation $155,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $150,000 n/a 0.0%
ALLIANT $285,000 $145,000 -49.1% 0.0%
Capitol Bank $7,275,000 $145,000 -98.0% 0.0%
Coulee Bank $145,000 n/a 0.0%
First State Bank of St. Charles, Missouri $145,000 n/a 0.0%
Gateway First Bank $145,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $145,000 n/a 0.0%
DUPACO COMMUNITY $475,000 $140,000 -70.5% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $215,000 $135,000 -37.2% 0.0%
VAN DYK MORTGAGE CORPORATION $135,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $130,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $125,000 $125,000 0.0% 0.0%
Republic Bank of Chicago $115,000 n/a 0.0%
Morton Community Bank $105,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $270,000 $105,000 -61.1% 0.0%
CoVantage Credit Union $375,000 $100,000 -73.3% 0.0%
CO-OP Credit Union $85,000 n/a 0.0%
North Shore Bank FSB $85,000 $85,000 0.0% 0.0%
APCI Federal Credit Union $75,000 n/a 0.0%
Byron Bank $260,000 $75,000 -71.2% 0.0%
UNIVERSITY CREDIT UNION $75,000 n/a 0.0%
Baxter Credit Union $250,000 $65,000 -74.0% 0.0%
Starion Bank $1,420,000 $65,000 -95.4% 0.0%
Transportation Federal Credit Union $65,000 n/a 0.0%
Luana Savings Bank $85,000 $55,000 -35.3% 0.0%
CONSUMERS COOPERATIVE CREDIT UNION $400,000 $45,000 -88.8% 0.0%
Fidelity Bank $45,000 n/a 0.0%
SPRING EQ, LLC $280,000 $35,000 -87.5% 0.0%
Union State Bank of Fargo $35,000 n/a 0.0%
MAYO EMPLOYEES FEDERAL CREDIT UNION $25,000 n/a 0.0%
Arvest Bank $265,000 $15,000 -94.3% 0.0%

JANESVILLE - BELOIT's top lender by overall market share is Johnson Bank, with 9.2% market share. In second place, with 9.1%, is Summit Credit Union, having originated $60,595,000 in loans. In third place, with 7.7%, is Blackhawk Community Credit Union, having originated $51,285,000 in loans. In fourth place, with 4.5%, is GUILD MORTGAGE COMPANY, having originated $29,805,000 in loans. In fifth place, with 4.0%, is University of Wisconsin Credit Union, having originated $26,340,000 in loans.


JANESVILLE - BELOIT Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - JANESVILLE - BELOIT (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 $166,700 (19.2%) $211,242 (14.1%) 0.62 307
2018-02-01 $160,950 (12.7%) $211,298 (11.9%) 0.58 279
2018-03-01 $182,000 (17.5%) $227,617 (15.0%) 0.64 233
2018-04-01 $186,950 (11.3%) $229,985 (7.4%) 0.63 244
2018-05-01 $185,450 (8.5%) $229,592 (5.4%) 0.62 247
2018-06-01 $199,950 (18.4%) $239,619 (9.5%) 0.67 280
2018-07-01 $206,225 (18.3%) $243,109 (8.0%) 0.69 318
2018-08-01 $209,075 (19.5%) $242,656 (8.2%) 0.70 405
2018-09-01 $194,500 (11.2%) $233,967 (6.1%) 0.65 435
2018-10-01 $192,425 (10.0%) $232,501 (4.8%) 0.65 441
2018-11-01 $193,900 (9.6%) $240,149 (11.7%) 0.66 411
2018-12-01 $184,900 (8.8%) $228,967 (6.8%) 0.64 379
2019-01-01 $188,400 (13.0%) $235,776 (11.6%) 0.65 339
2019-02-01 $189,950 (18.0%) $237,222 (12.3%) 0.64 289
2019-03-01 $211,976 (16.5%) $247,228 (8.6%) 0.69 284
2019-04-01 $219,476 (17.4%) $247,454 (7.6%) 0.70 300
2019-05-01 $224,950 (21.3%) $254,881 (11.0%) 0.70 327
2019-06-01 $225,000 (12.5%) $258,173 (7.7%) 0.70 313
2019-07-01 $227,425 (10.3%) $258,880 (6.5%) 0.71 336
2019-08-01 $227,173 (8.7%) $258,660 (6.6%) 0.72 361
2019-09-01 $223,082 (14.7%) $256,402 (9.6%) 0.71 385
2019-10-01 $218,900 (13.8%) $253,286 (8.9%) 0.71 400
2019-11-01 $214,900 (10.8%) $245,742 (2.3%) 0.70 358
2019-12-01 $214,900 (16.2%) $239,766 (4.7%) 0.72 335
2020-01-01 $210,175 (11.6%) $237,395 (0.7%) 0.70 312
2020-02-01 $214,100 (12.7%) $241,836 (2.0%) 0.70 253
2020-03-01 $214,950 (1.4%) $247,097 (-0.1%) 0.67 249
2020-04-01 $218,900 (-0.3%) $239,060 (-3.4%) 0.69 267
2020-05-01 $221,450 (-1.6%) $247,752 (-2.8%) 0.67 241
2020-06-01 $219,650 (-2.4%) $256,738 (-0.6%) 0.65 214
2020-07-01 $229,900 (1.1%) $266,507 (3.0%) 0.67 200
2020-08-01 $249,000 (9.6%) $277,667 (7.4%) 0.71 219
2020-09-01 $219,825 (-1.5%) $271,170 (5.8%) 0.63 206
2020-10-01 $219,900 (0.5%) $271,129 (7.0%) 0.63 208
2020-11-01 $212,450 (-1.1%) $257,217 (4.7%) 0.62 209
2020-12-01 $209,950 (-2.3%) $252,631 (5.4%) 0.62 165
2021-01-01 $225,950 (7.5%) $253,471 (6.8%) 0.67 136
2021-02-01 $224,900 (5.0%) $257,910 (6.7%) 0.65 126
2021-03-01 $228,950 (6.5%) $269,786 (9.2%) 0.65 102
2021-04-01 $247,900 (13.3%) $291,762 (22.1%) 0.67 112
2021-05-01 $229,000 (3.4%) $278,238 (12.3%) 0.61 139
2021-06-01 $227,450 (3.6%) $274,625 (7.0%) 0.60 158
2021-07-01 $229,900 (0.0%) $271,777 (2.0%) 0.61 192
2021-08-01 $229,950 (-7.7%) $265,220 (-4.5%) 0.61 217
2021-09-01 $236,175 (7.4%) $268,981 (-0.8%) 0.63 242
2021-10-01 $239,900 (9.1%) $273,005 (0.7%) 0.64 240
2021-11-01 $236,925 (11.5%) $274,801 (6.8%) 0.63 208
2021-12-01 $229,075 (9.1%) $276,391 (9.4%) 0.62 191
2022-01-01 $249,900 (10.6%) $293,330 (15.7%) 0.68 152
2022-02-01 $271,200 (20.6%) $318,967 (23.7%) 0.71 128
2022-03-01 $274,450 (19.9%) $327,573 (21.4%) 0.69 134
2022-04-01 $289,900 (16.9%) $323,972 (11.0%) 0.69 162
2022-05-01 $289,900 (26.6%) $312,685 (12.4%) 0.66 183
2022-06-01 $293,675 (29.1%) $323,993 (18.0%) 0.65 196
2022-07-01 $289,950 (26.1%) $323,031 (18.9%) 0.65 232
2022-08-01 $293,725 (27.7%) $332,440 (25.3%) 0.68 238
2022-09-01 $298,175 (26.3%) $341,159 (26.8%) 0.70 236
2022-10-01 $303,266 (26.4%) $340,815 (24.8%) 0.71 252
2022-11-01 $298,125 (25.8%) $338,969 (23.4%) 0.72 252
2022-12-01 $299,900 (30.9%) $347,040 (25.6%) 0.74 197
2023-01-01 $301,250 (20.6%) $353,176 (20.4%) 0.75 163
2023-02-01 $312,059 (15.1%) $356,737 (11.8%) 0.75 130
2023-03-01 $330,750 (20.5%) $365,893 (11.7%) 0.78 132
2023-04-01 $338,442 (16.7%) $365,765 (12.9%) 0.79 132
2023-05-01 $328,014 (13.2%) $361,884 (15.7%) 0.74 154
2023-06-01 $324,100 (10.4%) $359,574 (11.0%) 0.73 175
2023-07-01 $331,439 (14.3%) $353,897 (9.6%) 0.75 182
2023-08-01 $324,900 (10.6%) $352,733 (6.1%) 0.75 203
2023-09-01 $319,900 (7.3%) $340,795 (-0.1%) 0.74 220
2023-10-01 $322,400 (6.3%) $341,024 (0.1%) 0.76 228
2023-11-01 $304,906 (2.3%) $331,645 (-2.2%) 0.73 241
2023-12-01 $299,900 (0.0%) $318,716 (-8.2%) 0.73 221
2024-01-01 $299,900 (-0.5%) $318,055 (-9.9%) 0.73 189
2024-02-01 $315,000 (0.9%) $330,337 (-7.4%) 0.76 173
2024-03-01 $329,450 (-0.4%) $354,920 (-3.0%) 0.78 169
2024-04-01 $341,101 (0.8%) $373,684 (2.2%) 0.79 173
JANESVILLE - BELOIT's median listing price for 2024-04-01 was $341,101, a difference of $2,659 (0.8%) versus the prior year and $11,651 versus the prior month.

JANESVILLE - BELOIT's median listing price comes in at 79% of the national average.

JANESVILLE - BELOIT's average listing price for 2024-04-01 was $373,684, a difference of $7,919 (2.2%) versus the prior year and $18,764 versus the prior month.

For the 2024-04-01 period, JANESVILLE - BELOIT had 173 MLS listings, a difference of 4 listings (2%) versus the prior month and 41 listings (31%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - JANESVILLE - BELOIT (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 79 days 1,651 sqft
2018-02-01 81 days 1,634 sqft
2018-03-01 58 days 1,675 sqft
2018-04-01 40 days 1,731 sqft
2018-05-01 38 days 1,742 sqft
2018-06-01 40 days 1,780 sqft
2018-07-01 39 days 1,785 sqft
2018-08-01 38 days 1,768 sqft
2018-09-01 43 days 1,752 sqft
2018-10-01 48 days 1,719 sqft
2018-11-01 54 days 1,726 sqft
2018-12-01 68 days 1,652 sqft
2019-01-01 78 days 1,680 sqft
2019-02-01 88 days 1,719 sqft
2019-03-01 77 days 1,773 sqft
2019-04-01 54 days 1,800 sqft
2019-05-01 46 days 1,834 sqft
2019-06-01 46 days 1,833 sqft
2019-07-01 44 days 1,855 sqft
2019-08-01 46 days 1,867 sqft
2019-09-01 49 days 1,862 sqft
2019-10-01 52 days 1,854 sqft
2019-11-01 64 days 1,803 sqft
2019-12-01 70 days 1,770 sqft
2020-01-01 74 days 1,740 sqft
2020-02-01 74 days 1,718 sqft
2020-03-01 60 days 1,737 sqft
2020-04-01 48 days 1,745 sqft
2020-05-01 54 days 1,777 sqft
2020-06-01 63 days 1,795 sqft
2020-07-01 56 days 1,784 sqft
2020-08-01 46 days 1,850 sqft
2020-09-01 47 days 1,807 sqft
2020-10-01 40 days 1,784 sqft
2020-11-01 44 days 1,731 sqft
2020-12-01 51 days 1,682 sqft
2021-01-01 54 days 1,683 sqft
2021-02-01 40 days 1,635 sqft
2021-03-01 40 days 1,702 sqft
2021-04-01 28 days 1,757 sqft
2021-05-01 29 days 1,754 sqft
2021-06-01 33 days 1,697 sqft
2021-07-01 34 days 1,701 sqft
2021-08-01 30 days 1,699 sqft
2021-09-01 31 days 1,675 sqft
2021-10-01 37 days 1,633 sqft
2021-11-01 45 days 1,633 sqft
2021-12-01 53 days 1,606 sqft
2022-01-01 58 days 1,695 sqft
2022-02-01 57 days 1,769 sqft
2022-03-01 24 days 1,784 sqft
2022-04-01 31 days 1,784 sqft
2022-05-01 36 days 1,725 sqft
2022-06-01 38 days 1,755 sqft
2022-07-01 34 days 1,764 sqft
2022-08-01 44 days 1,784 sqft
2022-09-01 49 days 1,784 sqft
2022-10-01 46 days 1,784 sqft
2022-11-01 47 days 1,800 sqft
2022-12-01 55 days 1,825 sqft
2023-01-01 71 days 1,815 sqft
2023-02-01 53 days 1,845 sqft
2023-03-01 37 days 1,844 sqft
2023-04-01 39 days 1,810 sqft
2023-05-01 32 days 1,811 sqft
2023-06-01 31 days 1,797 sqft
2023-07-01 40 days 1,760 sqft
2023-08-01 37 days 1,659 sqft
2023-09-01 44 days 1,700 sqft
2023-10-01 42 days 1,660 sqft
2023-11-01 44 days 1,601 sqft
2023-12-01 55 days 1,580 sqft
2024-01-01 63 days 1,579 sqft
2024-02-01 51 days 1,593 sqft
2024-03-01 32 days 1,667 sqft
2024-04-01 37 days 1,695 sqft
JANESVILLE - BELOIT's median listing age (time on market) for 2024-04-01 was 37 days. This is -5% shorter than the same period one year ago.

JANESVILLE - BELOIT's median square footage for active listings during the 2024-04-01 period was 1,695 sqft. One year prior, the average listing was 1,810 sqft.

JANESVILLE-BELOIT, WI Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
53114 Janesville-Beloit, WI MSA $890 $920 $1,210 $1,620 $1,710
53190 Janesville-Beloit, WI MSA $710 $730 $960 $1,280 $1,350
53501 Janesville-Beloit, WI MSA $750 $770 $1,020 $1,360 $1,440
53502 Janesville-Beloit, WI MSA $700 $710 $930 $1,130 $1,250
53505 Janesville-Beloit, WI MSA $800 $810 $1,070 $1,430 $1,500
53511 Janesville-Beloit, WI MSA $750 $770 $1,020 $1,360 $1,440
53512 Janesville-Beloit, WI MSA $750 $770 $1,020 $1,360 $1,440
53520 Janesville-Beloit, WI MSA $690 $700 $920 $1,150 $1,250
53521 Janesville-Beloit, WI MSA $970 $1,060 $1,320 $1,670 $1,860
53525 Janesville-Beloit, WI MSA $740 $770 $1,010 $1,350 $1,420
53534 Janesville-Beloit, WI MSA $840 $970 $1,130 $1,510 $1,760
53536 Janesville-Beloit, WI MSA $720 $740 $980 $1,310 $1,380
53537 Janesville-Beloit, WI MSA $710 $730 $960 $1,280 $1,350
53538 Janesville-Beloit, WI MSA $780 $810 $1,060 $1,420 $1,490
53545 Janesville-Beloit, WI MSA $750 $770 $1,020 $1,360 $1,440
53546 Janesville-Beloit, WI MSA $780 $810 $1,060 $1,420 $1,490
53547 Janesville-Beloit, WI MSA $750 $770 $1,020 $1,360 $1,440
53548 Janesville-Beloit, WI MSA $730 $750 $990 $1,320 $1,400
53563 Janesville-Beloit, WI MSA $760 $790 $1,040 $1,390 $1,470
53576 Janesville-Beloit, WI MSA $910 $940 $1,240 $1,660 $1,750
53585 Janesville-Beloit, WI MSA $720 $740 $980 $1,310 $1,380
53589 Janesville-Beloit, WI MSA $880 $1,040 $1,210 $1,590 $1,790

2022 Average & Median Rent Data Statistics
JANESVILLE-BELOIT, WI average 1BR rent: $812, median: $770
JANESVILLE-BELOIT, WI average 2BR rent: $1,053, median: $1,020
JANESVILLE-BELOIT, WI average 3BR rent: $1,393, median: $1,360

JANESVILLE-BELOIT, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,041 $461,325,000 $226,029
Other 690 $41,660,000 $60,377
Refi 662 $65,650,000 $99,169
Home Improvement 610 $36,480,000 $59,803
Cash Out Refi 442 $60,900,000 $137,783

Janesville - Beloit's most frequently cited loan purpose was Home Purchase, with 2,041 originations. The 2nd most popular reason was Other, with 690 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,264 $257,570,000 $203,774
7-8% 977 $151,665,000 $155,235
Over 8% 947 $69,575,000 $73,469
5-6% 478 $95,120,000 $198,996
<2.5% 340 $24,540,000 $72,176
4-5% 91 $7,685,000 $84,451
3-4% 63 $3,795,000 $60,238
2.5-3% 39 $2,545,000 $65,256

During 2023, Janesville - Beloit's most frequently originated rate bucket was 6-7%, with 1,264 originations.

Loan Sizing (JANESVILLE-BELOIT, WI MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,982 $99,150,000 $50,025
$100k-200k 1,237 $181,445,000 $146,681
$200k-400k 1,100 $297,810,000 $270,736
$400k-600k 87 $40,795,000 $468,908
$600k-1000k 32 $23,390,000 $730,938
$Over $1MM 7 $23,425,000 $3,346,429

JANESVILLE - BELOIT's loan sizing saw the bucket of loans from $100,000 or less with 1,982 originations, totaling $99,150,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,300 $308,300,000 $237,154
Under 20% 961 $34,185,000 $35,572
20-40% 827 $76,935,000 $93,029
60-80% 687 $134,995,000 $196,499
40-60% 376 $50,630,000 $134,654
Over 100% 17 $4,935,000 $290,294

JANESVILLE - BELOIT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,300 originations, totaling $308,300,000 in origination value.