JANESVILLE - BELOIT Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Janesville - Beloit averaged
6.14%
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
5.81% and
one month ago for the week of 2022-05-19, the
average rate was 5.58%.
Janesville - Beloit's average rate one year ago was 3.18%.
For refis of the same type during the week of 2022-06-23, the average rate
was 5.96%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Janesville - Beloit 30 Year Fixed Rate | 2022-06-23 | 6.14% |
| Janesville - Beloit 30 Year Fixed Rate Refi | 2022-06-23 | 5.96% |
| Janesville - Beloit 15 Year Fixed Rate | 2022-06-23 | 5.42% |
| Janesville - Beloit 15 Year Fixed Rate Refi | 2022-06-23 | 4.99% |
| Janesville - Beloit 30 Year FHA | 2022-06-23 | 0.28% |
| Janesville - Beloit 30 Year FHA Refi | 2022-06-23 | 0.31% |
| Janesville - Beloit 30 Year USDA | 2022-06-23 | 0.16% |
| Janesville - Beloit 30 Year USDA Refi | 2022-06-23 | -0.3% |
| Janesville - Beloit 30 Year VA | 2022-06-23 | 0.15% |
| Janesville - Beloit 30 Year VA Refi | 2022-06-23 | 0.18% |
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 lendor, 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.).
JANESVILLE-BELOIT, WI's 188 lenders originated 8,380
loans during 2021. The total origination value was $1,326,450,000, with an average loan value of
$158,288.
The top JANESVILLE - BELOIT lender as defined by loan originations is Johnson Bank, with
318 loans originated. Their average total fees are
$2,316, which is $142
higher than the next largest lender,
Blackhawk Community Credit Union.
The lowest fee JANESVILLE - BELOIT lenders (with over 10 loans originated) are
EDUCATORS CREDIT UNION ($1,619), Servion, Inc. ($1,628), The Greenwood's State Bank ($1,641), The Bank of New Glarus ($1,644) and State Bank of Cross Plains ($1,780).
The lowest rate JANESVILLE - BELOIT lenders (with over 10 loans originated) are
SENB Bank (2.87%), The Greenwood's State Bank (2.93%), University of Wisconsin Credit Union (2.93%), Summit Credit Union (2.97%) and State Bank of Cross Plains (2.97%).
JANESVILLE-BELOIT, 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 |
|---|---|---|---|---|
| Johnson Bank | $136,285,000 | $126,520,000 | -7.2% | 9.5% |
| Blackhawk Community Credit Union | $120,410,000 | $107,830,000 | -10.4% | 8.1% |
| Summit Credit Union | $83,705,000 | $93,535,000 | 11.7% | 7.1% |
| QUICKEN LOANS, LLC | $54,815,000 | $62,890,000 | 14.7% | 4.7% |
| Associated Bank | $53,905,000 | $46,950,000 | -12.9% | 3.5% |
| INLANTA MORTGAGE, INC. | $54,890,000 | $46,675,000 | -15.0% | 3.5% |
| The First National Bank and Trust Company | $52,120,000 | $41,810,000 | -19.8% | 3.2% |
| University of Wisconsin Credit Union | $38,245,000 | $41,765,000 | 9.2% | 3.1% |
| Old National Bank | $30,620,000 | $34,820,000 | 13.7% | 2.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $21,490,000 | $32,025,000 | 49.0% | 2.4% |
| State Bank of Cross Plains | $41,770,000 | $27,865,000 | -33.3% | 2.1% |
| Blackhawk Bank | $33,815,000 | $23,180,000 | -31.5% | 1.7% |
| GUILD MORTGAGE COMPANY | $17,335,000 | $22,460,000 | 29.6% | 1.7% |
| Bank of Milton | $36,765,000 | $21,715,000 | -40.9% | 1.6% |
| MORTGAGE CENTER L.C | $14,015,000 | $21,480,000 | 53.3% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $20,735,000 | $21,150,000 | 2.0% | 1.6% |
| ENVOY MORTGAGE, LTD | $14,090,000 | $19,745,000 | 40.1% | 1.5% |
| EDUCATORS CREDIT UNION | $16,935,000 | $19,085,000 | 12.7% | 1.4% |
| First Community Credit Union | $17,725,000 | n/a | 1.3% | |
| Mortgage Research Center, LLC | $11,880,000 | $16,300,000 | 37.2% | 1.2% |
| Barrington Bank & Trust Company, N.A. | $14,175,000 | $14,945,000 | 5.4% | 1.1% |
| BMO Harris Bank | $11,320,000 | $14,855,000 | 31.2% | 1.1% |
| JPMorgan Chase Bank | $9,810,000 | $14,065,000 | 43.4% | 1.1% |
| NEWREZ LLC | $7,180,000 | $13,625,000 | 89.8% | 1.0% |
| The Bank of Brodhead | $17,690,000 | $13,205,000 | -25.4% | 1.0% |
| U.S. Bank | $13,160,000 | $12,275,000 | -6.7% | 0.9% |
| Wisconsin River Bank | $7,945,000 | $11,985,000 | 50.8% | 0.9% |
| The Bank of New Glarus | $11,960,000 | $10,895,000 | -8.9% | 0.8% |
| Wells Fargo Bank | $11,150,000 | $10,840,000 | -2.8% | 0.8% |
| The Greenwood's State Bank | $15,215,000 | $10,280,000 | -32.4% | 0.8% |
| GUARANTEED RATE, INC. | $5,385,000 | $9,785,000 | 81.7% | 0.7% |
| LOANDEPOT.COM, LLC | $5,965,000 | $9,720,000 | 63.0% | 0.7% |
| PremierBank | $8,045,000 | $9,710,000 | 20.7% | 0.7% |
| Midland States Bank | $2,220,000 | $9,465,000 | 326.4% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,735,000 | $9,445,000 | 22.1% | 0.7% |
| THOMPSON KANE & COMPANY, LLC | $8,005,000 | $9,345,000 | 16.7% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $2,675,000 | $9,245,000 | 245.6% | 0.7% |
| ADVIA | $9,270,000 | $8,060,000 | -13.1% | 0.6% |
| Oregon Community Bank | $12,060,000 | $7,430,000 | -38.4% | 0.6% |
| DAS Acquisition Company, LLC | $6,295,000 | $7,340,000 | 16.6% | 0.6% |
| SENB Bank | $5,645,000 | $7,220,000 | 27.9% | 0.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,780,000 | $7,160,000 | 5.6% | 0.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,770,000 | $7,015,000 | 3.6% | 0.5% |
| AMERISAVE MORTGAGE CORPORATION | $2,100,000 | $6,620,000 | 215.2% | 0.5% |
| WISCONSIN MORTGAGE CORPORATION | $6,015,000 | $6,555,000 | 9.0% | 0.5% |
| Prosperity Home Mortgage, LLC | $5,980,000 | $6,285,000 | 5.1% | 0.5% |
| Servion, Inc. | $5,770,000 | $6,265,000 | 8.6% | 0.5% |
| CALIBER HOME LOANS, INC. | $6,885,000 | $5,540,000 | -19.5% | 0.4% |
| USAA Federal Savings Bank | $3,970,000 | $5,205,000 | 31.1% | 0.4% |
| LAND HOME FINANCIAL SERVICES, INC. | $3,250,000 | $5,170,000 | 59.1% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $3,245,000 | $5,105,000 | 57.3% | 0.4% |
| DMB Community Bank | $9,370,000 | $5,025,000 | -46.4% | 0.4% |
| PLANET HOME LENDING, LLC | $2,090,000 | $4,875,000 | 133.3% | 0.4% |
| The Park Bank | $5,575,000 | $4,805,000 | -13.8% | 0.4% |
| Flagstar Bank, FSB | $6,230,000 | $4,610,000 | -26.0% | 0.3% |
| Midwest Community Bank | $3,250,000 | $4,430,000 | 36.3% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $2,870,000 | $4,425,000 | 54.2% | 0.3% |
| Bank of Deerfield | $7,060,000 | $4,235,000 | -40.0% | 0.3% |
| TIAA, FSB | $635,000 | $4,020,000 | 533.1% | 0.3% |
| Bank of Sun Prairie | $1,385,000 | $3,985,000 | 187.7% | 0.3% |
| Monona Bank | $5,480,000 | $3,945,000 | -28.0% | 0.3% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $3,205,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $785,000 | $3,205,000 | 308.3% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,820,000 | $3,135,000 | 72.3% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,840,000 | $3,015,000 | 63.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $2,200,000 | $2,945,000 | 33.9% | 0.2% |
| NORTHWEST BANK OF ROCKFORD | $1,820,000 | $2,825,000 | 55.2% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $2,485,000 | $2,620,000 | 5.4% | 0.2% |
| COMPEER FINANCIAL, FLCA | $3,710,000 | $2,550,000 | -31.3% | 0.2% |
| WaterStone Bank, SSB | $2,510,000 | n/a | 0.2% | |
| Bankers' Bank | $2,465,000 | n/a | 0.2% | |
| Landmark Credit Union | $1,320,000 | $2,450,000 | 85.6% | 0.2% |
| Carrington Mortgage Services, LLC | $1,850,000 | $2,325,000 | 25.7% | 0.2% |
| A + MORTGAGE SERVICES, INC. | $2,100,000 | $2,220,000 | 5.7% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $220,000 | $2,110,000 | 859.1% | 0.2% |
| Stillman BancCorp N.A. | $3,835,000 | $2,080,000 | -45.8% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,825,000 | $1,910,000 | 4.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,150,000 | $1,740,000 | 51.3% | 0.1% |
| HERITAGE CREDIT UNION | $875,000 | $1,720,000 | 96.6% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $725,000 | $1,695,000 | 133.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,775,000 | $1,675,000 | -5.6% | 0.1% |
| Illinois Bank & Trust | $645,000 | $1,655,000 | 156.6% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $995,000 | $1,630,000 | 63.8% | 0.1% |
| First Guaranty Mortgage Corporation | $585,000 | $1,615,000 | 176.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $440,000 | $1,590,000 | 261.4% | 0.1% |
| Byron Bank | $1,660,000 | $1,580,000 | -4.8% | 0.1% |
| CLEARPATH LENDING | $1,465,000 | $1,545,000 | 5.5% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $890,000 | $1,500,000 | 68.5% | 0.1% |
| PARKSIDE LENDING, LLC | $2,425,000 | $1,480,000 | -39.0% | 0.1% |
| Bank of America | $920,000 | $1,475,000 | 60.3% | 0.1% |
| HOME POINT FINANCIAL CORPORATION | $3,280,000 | $1,470,000 | -55.2% | 0.1% |
| Capitol Bank | $3,395,000 | $1,440,000 | -57.6% | 0.1% |
| Bank Five Nine | $1,000,000 | $1,425,000 | 42.5% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $1,100,000 | $1,415,000 | 28.6% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,950,000 | $1,405,000 | -52.4% | 0.1% |
| CMG MORTGAGE, INC. | $610,000 | $1,400,000 | 129.5% | 0.1% |
| MARINE | $520,000 | $1,355,000 | 160.6% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,920,000 | $1,185,000 | -38.3% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,170,000 | n/a | 0.1% | |
| Mound City Bank | $1,490,000 | $1,150,000 | -22.8% | 0.1% |
| Woodford State Bank | $2,395,000 | $1,140,000 | -52.4% | 0.1% |
| Chicago Mortgage Solutions LLC | $375,000 | $1,110,000 | 196.0% | 0.1% |
| TOWNE MORTGAGE COMPANY | $975,000 | $1,100,000 | 12.8% | 0.1% |
| Citizens Bank | $290,000 | $1,085,000 | 274.1% | 0.1% |
| First American Bank | $1,065,000 | n/a | 0.1% | |
| Bank First, N.A. | $895,000 | $1,055,000 | 17.9% | 0.1% |
| The Federal Savings Bank | $1,115,000 | $1,035,000 | -7.2% | 0.1% |
| The Huntington National Bank | $400,000 | $990,000 | 147.5% | 0.1% |
| Badger Bank | $5,150,000 | $980,000 | -81.0% | 0.1% |
| DUPACO COMMUNITY | $630,000 | $980,000 | 55.6% | 0.1% |
| Heartland Credit Union (Madison) | $1,465,000 | $955,000 | -34.8% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $710,000 | $945,000 | 33.1% | 0.1% |
| FIRST NORTHERN Credit Union | $85,000 | $935,000 | 1,000.0% | 0.1% |
| Low VA Rates, LLC | $350,000 | $930,000 | 165.7% | 0.1% |
| North Shore Bank FSB | $175,000 | $925,000 | 428.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $635,000 | $920,000 | 44.9% | 0.1% |
| PREMIA MORTGAGE, LLC | $790,000 | $920,000 | 16.5% | 0.1% |
| Dane County Credit Union | $2,305,000 | $915,000 | -60.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $345,000 | $900,000 | 160.9% | 0.1% |
| NBKC BANK | $155,000 | $885,000 | 471.0% | 0.1% |
| Nations Lending Corporation | $645,000 | $875,000 | 35.7% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $795,000 | $875,000 | 10.1% | 0.1% |
| Citibank | $435,000 | $870,000 | 100.0% | 0.1% |
| Farmers & Merchants State Bank | $1,630,000 | $870,000 | -46.6% | 0.1% |
| Luana Savings Bank | $855,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $300,000 | $850,000 | 183.3% | 0.1% |
| Bank of England | $585,000 | $835,000 | 42.7% | 0.1% |
| Farmers and Merchants Union Bank | $825,000 | n/a | 0.1% | |
| Texana Bank | $800,000 | n/a | 0.1% | |
| Settlers Bank | $910,000 | $795,000 | -12.6% | 0.1% |
| EMBRACE HOME LOANS, INC. | $310,000 | $750,000 | 141.9% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $450,000 | $745,000 | 65.6% | 0.1% |
| Bell Bank | $740,000 | n/a | 0.1% | |
| Starion Bank | $5,515,000 | $740,000 | -86.6% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $425,000 | $725,000 | 70.6% | 0.1% |
| INLAND BANK & TRUST | $840,000 | $725,000 | -13.7% | 0.1% |
| STEARNS LENDING, LLC | $2,340,000 | $720,000 | -69.2% | 0.1% |
| Town Bank, N.A. | $65,000 | $720,000 | 1,007.7% | 0.1% |
| ZILLOW HOME LOANS, LLC | $700,000 | n/a | 0.1% | |
| InterContinental Capital Group, Inc | $205,000 | $690,000 | 236.6% | 0.1% |
| Hometown Bank | $1,190,000 | $680,000 | -42.9% | 0.1% |
| Merchants Bank of Indiana | $915,000 | $675,000 | -26.2% | 0.1% |
| Waukesha State Bank | $330,000 | $655,000 | 98.5% | 0.0% |
| PNC Bank | $1,510,000 | $640,000 | -57.6% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $775,000 | $625,000 | -19.4% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $225,000 | $570,000 | 153.3% | 0.0% |
| Baxter Credit Union | $280,000 | $565,000 | 101.8% | 0.0% |
| CLEARPOINTE CAPITAL, LLC | $290,000 | $565,000 | 94.8% | 0.0% |
| FirstBank | $565,000 | n/a | 0.0% | |
| Northpointe Bank | $355,000 | $565,000 | 59.2% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $390,000 | $565,000 | 44.9% | 0.0% |
| Ixonia Bank | $405,000 | $560,000 | 38.3% | 0.0% |
| Dairy State Bank | $555,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $580,000 | $550,000 | -5.2% | 0.0% |
| Magnolia Bank | $400,000 | $550,000 | 37.5% | 0.0% |
| Rock Valley Credit Union | $95,000 | $545,000 | 473.7% | 0.0% |
| Royal Bank | $360,000 | $545,000 | 51.4% | 0.0% |
| COMPASS MORTGAGE, INC. | $1,290,000 | $530,000 | -58.9% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $1,405,000 | $530,000 | -62.3% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $530,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $1,835,000 | $525,000 | -71.4% | 0.0% |
| First Federal Bank | $1,015,000 | $520,000 | -48.8% | 0.0% |
| Home State Bank | $310,000 | $520,000 | 67.7% | 0.0% |
| Ally Bank | $320,000 | $515,000 | 60.9% | 0.0% |
| Paramount Bank | $490,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $145,000 | $490,000 | 237.9% | 0.0% |
| Great Midwest Bank, S.S.B. | $275,000 | $480,000 | 74.5% | 0.0% |
| The Harvard State Bank | $340,000 | $465,000 | 36.8% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $455,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $1,335,000 | $455,000 | -65.9% | 0.0% |
| PROPER RATE, LLC | $450,000 | n/a | 0.0% | |
| BLUELEAF LENDING, LLC | $165,000 | $445,000 | 169.7% | 0.0% |
| Deere Employees Credit Union | $440,000 | $445,000 | 1.1% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $440,000 | n/a | 0.0% | |
| GERSHMAN INVESTMENT CORP. | $175,000 | $435,000 | 148.6% | 0.0% |
| AmeriHome Mortgage Company, LLC | $425,000 | n/a | 0.0% | |
| Quad City Bank and Trust Company | $405,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $570,000 | $400,000 | -29.8% | 0.0% |
| Loan Simple, Inc. | $400,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $650,000 | $390,000 | -40.0% | 0.0% |
| LIMA ONE CAPITAL, LLC | $385,000 | n/a | 0.0% | |
| ARC HOME LLC | $255,000 | $375,000 | 47.1% | 0.0% |
| Summit Mortgage Corporation | $375,000 | n/a | 0.0% | |
| AFFINITY | $365,000 | n/a | 0.0% | |
| Strong Home Mortgage, LLC | $215,000 | $365,000 | 69.8% | 0.0% |
| UMB Bank | $305,000 | $365,000 | 19.7% | 0.0% |
| Discover Bank | $245,000 | $355,000 | 44.9% | 0.0% |
| GSF Mortgage Corporation | $1,240,000 | $355,000 | -71.4% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $925,000 | $350,000 | -62.2% | 0.0% |
| SUMMIT FUNDING, INC. | $350,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,410,000 | $345,000 | -75.5% | 0.0% |
| LOANPAL, LLC | $270,000 | $340,000 | 25.9% | 0.0% |
| NP, Inc. | $325,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $315,000 | n/a | 0.0% | |
| Key Mortgage Services, Inc. | $310,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $305,000 | n/a | 0.0% | |
| Arvest Bank | $215,000 | $295,000 | 37.2% | 0.0% |
| Bankers Trust Company | $295,000 | n/a | 0.0% | |
| Figure Lending LLC | $255,000 | $295,000 | 15.7% | 0.0% |
| First Midwest Bank | $295,000 | n/a | 0.0% | |
| Great Southern Bank | $285,000 | n/a | 0.0% | |
| mBank | $275,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $270,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $205,000 | $265,000 | 29.3% | 0.0% |
| PyraMax Bank, FSB | $265,000 | $265,000 | 0.0% | 0.0% |
| ACCELERATE MORTGAGE, LLC | $255,000 | n/a | 0.0% | |
| First State Bank | $370,000 | $255,000 | -31.1% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $275,000 | $255,000 | -7.3% | 0.0% |
| Quontic Bank | $255,000 | n/a | 0.0% | |
| The Peoples Community Bank | $415,000 | $245,000 | -41.0% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $240,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $235,000 | n/a | 0.0% | |
| Plains Commerce Bank | $370,000 | $235,000 | -36.5% | 0.0% |
| The Equitable Bank, S.S.B. | $1,455,000 | $235,000 | -83.8% | 0.0% |
| Alerus Financial | $225,000 | n/a | 0.0% | |
| Bremer Bank | $225,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $1,575,000 | $225,000 | -85.7% | 0.0% |
| TCF National Bank | $335,000 | $220,000 | -34.3% | 0.0% |
| CIBC Bank USA | $215,000 | n/a | 0.0% | |
| IncredibleBank | $115,000 | $215,000 | 87.0% | 0.0% |
| FINANCE OF AMERICA COMMERCIAL LLC | $210,000 | n/a | 0.0% | |
| Prevail Bank | $205,000 | n/a | 0.0% | |
| Royal Credit Union | $115,000 | $195,000 | 69.6% | 0.0% |
| Oak Bank | $730,000 | $190,000 | -74.0% | 0.0% |
| ALTRA | $240,000 | $185,000 | -22.9% | 0.0% |
| AMERICAN FINANCING CORPORATION | $400,000 | $185,000 | -53.8% | 0.0% |
| CHARTER WEST BANK | $185,000 | n/a | 0.0% | |
| First National Bank of Omaha | $400,000 | $185,000 | -53.8% | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | $315,000 | $185,000 | -41.3% | 0.0% |
| Flanagan State Bank | $115,000 | $185,000 | 60.9% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $610,000 | $185,000 | -69.7% | 0.0% |
| Raymond James Bank | $185,000 | n/a | 0.0% | |
| The First National Bank of Ottawa | $185,000 | n/a | 0.0% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $175,000 | n/a | 0.0% | |
| S1L, Inc. | $175,000 | n/a | 0.0% | |
| UNITED HOME LOANS, INC. | $175,000 | n/a | 0.0% | |
| Citizens State Bank of La Crosse | $205,000 | $165,000 | -19.5% | 0.0% |
| Equity Prime Mortgage LLC | $165,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $75,000 | $165,000 | 120.0% | 0.0% |
| National Exchange Bank and Trust | $350,000 | $165,000 | -52.9% | 0.0% |
| First Home Bank | $245,000 | $155,000 | -36.7% | 0.0% |
| KELLER MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $640,000 | $155,000 | -75.8% | 0.0% |
| Union Federal Savings and Loan Association | $730,000 | $155,000 | -78.8% | 0.0% |
| Blue Ridge Bank | $210,000 | $150,000 | -28.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $145,000 | n/a | 0.0% | |
| First Bank & Trust | $380,000 | $145,000 | -61.8% | 0.0% |
| Hometown Lenders, Inc. | $175,000 | $145,000 | -17.1% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $145,000 | n/a | 0.0% | |
| Neighborhood Loans, Inc. | $330,000 | $140,000 | -57.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $495,000 | $135,000 | -72.7% | 0.0% |
| Colonial Savings, F.A. | $290,000 | $135,000 | -53.4% | 0.0% |
| GATEWAY MORTGAGE CORPORATION | $500,000 | $135,000 | -73.0% | 0.0% |
| MORIA DEVELOPMENT, INC. | $135,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $45,000 | $130,000 | 188.9% | 0.0% |
| Cleveland State Bank | $125,000 | n/a | 0.0% | |
| Meridian Bank Corporation | $225,000 | $125,000 | -44.4% | 0.0% |
| Think Mutual Bank | $295,000 | $125,000 | -57.6% | 0.0% |
| Farmers Savings Bank | $115,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $390,000 | $115,000 | -70.5% | 0.0% |
| Stifel Bank and Trust | $1,760,000 | $105,000 | -94.0% | 0.0% |
| Truist Bank | $75,000 | $105,000 | 40.0% | 0.0% |
| Wisconsin Bank & Trust | $100,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $95,000 | $95,000 | 0.0% | 0.0% |
| Sauk Valley Bank & Trust Company | $95,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $95,000 | n/a | 0.0% | |
| Citizens Community Federal | $85,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $790,000 | $85,000 | -89.2% | 0.0% |
| Ameris Bank | $75,000 | n/a | 0.0% | |
| CoVantage Credit Union | $75,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $75,000 | n/a | 0.0% | |
| Gulf Coast Bank and Trust Company | $75,000 | n/a | 0.0% | |
| ALLIANT | $145,000 | $45,000 | -69.0% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $55,000 | $35,000 | -36.4% | 0.0% |
| Connexus Credit Union | $45,000 | $15,000 | -66.7% | 0.0% |
JANESVILLE - BELOIT's top lender by overall market share is Johnson Bank, with 9.5% market share. In second place, with 8.1%, is Blackhawk Community Credit Union, having originated $107,830,000 in loans. In third place, with 7.1%, is Summit Credit Union, having originated $93,535,000 in loans. In third place, with 4.7%, is QUICKEN LOANS, LLC, having originated $62,890,000 in loans. In third place, with 3.5%, is Associated Bank, having originated $46,950,000 in loans.
JANESVILLE-BELOIT, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 3,081 | $452,655,000 | $146,918 |
| Home Purchase | 2,755 | $541,255,000 | $196,463 |
| Cash Out Refi | 1,756 | $280,260,000 | $159,601 |
| Other | 431 | $28,445,000 | $65,998 |
| Home Improvement | 356 | $20,630,000 | $57,949 |
| NA | 1 | $3,205,000 | $3,205,000 |
Janesville - Beloit's most frequently cited loan purpose was Refi, with 3,081 originations. The 2nd most popular reason was Home Purchase, with 2,755 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 3,108 | $504,770,000 | $162,410 |
| 3-4% | 2,858 | $480,420,000 | $168,097 |
| <2.5% | 1,547 | $232,575,000 | $150,339 |
| 4-5% | 380 | $38,740,000 | $101,947 |
| 5-6% | 105 | $6,705,000 | $63,857 |
| Over 8% | 31 | $1,155,000 | $37,258 |
| 6-7% | 24 | $1,200,000 | $50,000 |
| 7-8% | 21 | $1,415,000 | $67,381 |
During 2021, Janesville - Beloit's most frequently originated rate bucket was 2.5-3%, with 3,108 originations.
Loan Sizing (JANESVILLE-BELOIT, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 3,762 | $547,410,000 | $145,510 |
| $100,000 or less | 2,500 | $145,230,000 | $58,092 |
| $200k-400k | 1,954 | $508,940,000 | $260,461 |
| $400k-600k | 130 | $60,810,000 | $467,769 |
| $600k-1000k | 20 | $15,140,000 | $757,000 |
| $Over $1MM | 14 | $48,920,000 | $3,494,286 |
JANESVILLE - BELOIT's loan sizing saw the bucket of loans from $100k-200k with 3,762 originations, totaling $547,410,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,584 | $472,130,000 | $182,713 |
| 80-100% | 2,395 | $474,535,000 | $198,136 |
| 40-60% | 1,363 | $178,565,000 | $131,009 |
| 20-40% | 813 | $81,225,000 | $99,908 |
| Under 20% | 727 | $22,075,000 | $30,365 |
| Over 100% | 35 | $10,435,000 | $298,143 |
JANESVILLE - BELOIT's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,584 originations, totaling $472,130,000 in origination value.
Market Conditions (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 | $168,700 (20.6%) | $217,479 (15.1%) | 0.62 | 311 |
| 2018-02-01 | $163,950 (14.6%) | $218,596 (12.7%) | 0.59 | 286 |
| 2018-03-01 | $185,900 (20.0%) | $238,714 (19.4%) | 0.64 | 239 |
| 2018-04-01 | $189,900 (11.8%) | $238,983 (8.9%) | 0.64 | 251 |
| 2018-05-01 | $186,950 (7.2%) | $238,283 (6.1%) | 0.62 | 251 |
| 2018-06-01 | $205,000 (19.2%) | $245,009 (6.1%) | 0.68 | 279 |
| 2018-07-01 | $211,650 (17.6%) | $247,378 (4.8%) | 0.71 | 321 |
| 2018-08-01 | $209,900 (16.6%) | $245,531 (5.2%) | 0.70 | 412 |
| 2018-09-01 | $195,000 (11.4%) | $237,648 (4.3%) | 0.65 | 435 |
| 2018-10-01 | $192,450 (11.6%) | $234,066 (4.0%) | 0.64 | 425 |
| 2018-11-01 | $192,400 (9.8%) | $242,825 (10.3%) | 0.65 | 405 |
| 2018-12-01 | $179,900 (2.9%) | $233,340 (6.1%) | 0.62 | 377 |
| 2019-01-01 | $188,450 (11.7%) | $242,472 (11.5%) | 0.65 | 338 |
| 2019-02-01 | $194,900 (18.9%) | $246,867 (12.9%) | 0.65 | 295 |
| 2019-03-01 | $215,814 (16.1%) | $261,035 (9.4%) | 0.70 | 294 |
| 2019-04-01 | $220,264 (16.0%) | $263,709 (10.4%) | 0.69 | 316 |
| 2019-05-01 | $227,450 (21.7%) | $267,549 (12.3%) | 0.70 | 336 |
| 2019-06-01 | $229,000 (11.7%) | $266,821 (8.9%) | 0.70 | 322 |
| 2019-07-01 | $232,400 (9.8%) | $269,434 (8.9%) | 0.72 | 353 |
| 2019-08-01 | $228,471 (8.9%) | $265,621 (8.2%) | 0.72 | 370 |
| 2019-09-01 | $217,400 (11.5%) | $259,391 (9.2%) | 0.69 | 379 |
| 2019-10-01 | $227,450 (18.2%) | $269,383 (15.1%) | 0.73 | 423 |
| 2019-11-01 | $229,000 (19.0%) | $267,169 (10.0%) | 0.74 | 375 |
| 2019-12-01 | $223,212 (24.1%) | $253,874 (8.8%) | 0.74 | 352 |
| 2020-01-01 | $221,524 (17.6%) | $248,014 (2.3%) | 0.74 | 333 |
| 2020-02-01 | $229,000 (17.5%) | $257,143 (4.2%) | 0.74 | 267 |
| 2020-03-01 | $234,900 (8.8%) | $265,413 (1.7%) | 0.73 | 257 |
| 2020-04-01 | $225,000 (2.2%) | $252,970 (-4.1%) | 0.70 | 275 |
| 2020-05-01 | $225,000 (-1.1%) | $258,675 (-3.3%) | 0.68 | 244 |
| 2020-06-01 | $242,450 (5.9%) | $278,068 (4.2%) | 0.71 | 213 |
| 2020-07-01 | $245,450 (5.6%) | $289,425 (7.4%) | 0.70 | 207 |
| 2020-08-01 | $251,680 (10.2%) | $291,686 (9.8%) | 0.72 | 218 |
| 2020-09-01 | $236,400 (8.7%) | $287,449 (10.8%) | 0.68 | 200 |
| 2020-10-01 | $224,900 (-1.1%) | $268,091 (-0.5%) | 0.64 | 206 |
| 2020-11-01 | $217,450 (-5.0%) | $250,083 (-6.4%) | 0.62 | 204 |
| 2020-12-01 | $217,000 (-2.8%) | $242,845 (-4.3%) | 0.64 | 160 |
| 2021-01-01 | $224,900 (1.5%) | $243,582 (-1.8%) | 0.66 | 134 |
| 2021-02-01 | $224,900 (-1.8%) | $245,977 (-4.3%) | 0.65 | 125 |
| 2021-03-01 | $234,900 (0.0%) | $264,744 (-0.3%) | 0.66 | 97 |
| 2021-04-01 | $247,900 (10.2%) | $291,799 (15.4%) | 0.67 | 109 |
| 2021-05-01 | $229,900 (2.2%) | $287,872 (11.3%) | 0.61 | 131 |
| 2021-06-01 | $226,250 (-6.7%) | $273,557 (-1.6%) | 0.59 | 151 |
| 2021-07-01 | $229,000 (-6.7%) | $269,777 (-6.8%) | 0.59 | 182 |
| 2021-08-01 | $224,900 (-10.6%) | $257,495 (-11.7%) | 0.59 | 213 |
| 2021-09-01 | $229,950 (-2.7%) | $263,624 (-8.3%) | 0.61 | 239 |
| 2021-10-01 | $239,900 (6.7%) | $272,136 (1.5%) | 0.63 | 249 |
| 2021-11-01 | $249,900 (14.9%) | $277,775 (11.1%) | 0.66 | 220 |
| 2021-12-01 | $247,400 (14.0%) | $278,767 (14.8%) | 0.66 | 201 |
| 2022-01-01 | $249,900 (11.1%) | $292,297 (20.0%) | 0.67 | 155 |
| 2022-02-01 | $283,635 (26.1%) | $315,545 (28.3%) | 0.72 | 133 |
| 2022-03-01 | $277,400 (18.1%) | $335,125 (26.6%) | 0.69 | 130 |
| 2022-04-01 | $289,900 (16.9%) | $328,184 (12.5%) | 0.68 | 164 |
| 2022-05-01 | $292,450 (27.2%) | $315,381 (9.6%) | 0.65 | 182 |
JANESVILLE - BELOIT's median listing price for 2022-05-01 was $292,450, a difference of
$62,550
(27.2%) versus the prior year and
$2,550 versus the prior month.
JANESVILLE - BELOIT's median listing price comes in at 65% of the national average.
JANESVILLE - BELOIT's average listing price for 2022-05-01 was $315,381, a difference of $27,509 (9.6%) versus the prior year and $-12,803 versus the prior month.
For the 2022-05-01 period, JANESVILLE - BELOIT had 182 MLS listings, a difference of 18 listings (11%) versus the prior month and 51 listings (39%) versus the prior year.
JANESVILLE - BELOIT's median listing price comes in at 65% of the national average.
JANESVILLE - BELOIT's average listing price for 2022-05-01 was $315,381, a difference of $27,509 (9.6%) versus the prior year and $-12,803 versus the prior month.
For the 2022-05-01 period, JANESVILLE - BELOIT had 182 MLS listings, a difference of 18 listings (11%) versus the prior month and 51 listings (39%) 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 | 80 days | 1,659 sqft |
| 2018-02-01 | 89 days | 1,635 sqft |
| 2018-03-01 | 62 days | 1,695 sqft |
| 2018-04-01 | 43 days | 1,803 sqft |
| 2018-05-01 | 41 days | 1,772 sqft |
| 2018-06-01 | 44 days | 1,800 sqft |
| 2018-07-01 | 39 days | 1,783 sqft |
| 2018-08-01 | 39 days | 1,755 sqft |
| 2018-09-01 | 43 days | 1,756 sqft |
| 2018-10-01 | 52 days | 1,703 sqft |
| 2018-11-01 | 54 days | 1,709 sqft |
| 2018-12-01 | 66 days | 1,657 sqft |
| 2019-01-01 | 78 days | 1,695 sqft |
| 2019-02-01 | 86 days | 1,758 sqft |
| 2019-03-01 | 65 days | 1,790 sqft |
| 2019-04-01 | 53 days | 1,806 sqft |
| 2019-05-01 | 48 days | 1,842 sqft |
| 2019-06-01 | 49 days | 1,869 sqft |
| 2019-07-01 | 45 days | 1,853 sqft |
| 2019-08-01 | 45 days | 1,837 sqft |
| 2019-09-01 | 45 days | 1,787 sqft |
| 2019-10-01 | 45 days | 1,853 sqft |
| 2019-11-01 | 61 days | 1,803 sqft |
| 2019-12-01 | 66 days | 1,784 sqft |
| 2020-01-01 | 73 days | 1,784 sqft |
| 2020-02-01 | 71 days | 1,764 sqft |
| 2020-03-01 | 59 days | 1,784 sqft |
| 2020-04-01 | 49 days | 1,784 sqft |
| 2020-05-01 | 56 days | 1,803 sqft |
| 2020-06-01 | 56 days | 1,808 sqft |
| 2020-07-01 | 44 days | 1,803 sqft |
| 2020-08-01 | 36 days | 1,803 sqft |
| 2020-09-01 | 43 days | 1,867 sqft |
| 2020-10-01 | 40 days | 1,792 sqft |
| 2020-11-01 | 43 days | 1,738 sqft |
| 2020-12-01 | 52 days | 1,667 sqft |
| 2021-01-01 | 57 days | 1,649 sqft |
| 2021-02-01 | 43 days | 1,617 sqft |
| 2021-03-01 | 41 days | 1,739 sqft |
| 2021-04-01 | 32 days | 1,767 sqft |
| 2021-05-01 | 31 days | 1,750 sqft |
| 2021-06-01 | 31 days | 1,697 sqft |
| 2021-07-01 | 34 days | 1,650 sqft |
| 2021-08-01 | 30 days | 1,668 sqft |
| 2021-09-01 | 30 days | 1,657 sqft |
| 2021-10-01 | 37 days | 1,602 sqft |
| 2021-11-01 | 44 days | 1,628 sqft |
| 2021-12-01 | 51 days | 1,605 sqft |
| 2022-01-01 | 64 days | 1,686 sqft |
| 2022-02-01 | 60 days | 1,749 sqft |
| 2022-03-01 | 33 days | 1,756 sqft |
| 2022-04-01 | 31 days | 1,784 sqft |
| 2022-05-01 | 38 days | 1,719 sqft |
JANESVILLE - BELOIT's median listing age (time on market) for 2022-05-01 was 38 days.
This
is 21%
longer
than the same period one year ago.
JANESVILLE - BELOIT's median square footage for active listings during the 2022-05-01 period was 1,719 sqft. One year prior, the average listing was 1,750 sqft.
JANESVILLE - BELOIT's median square footage for active listings during the 2022-05-01 period was 1,719 sqft. One year prior, the average listing was 1,750 sqft.
