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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Johnson Bank 318 3.01% $2,316
Blackhawk Community Credit Union 281 3.39% $2,174
Summit Credit Union 231 2.97% $2,549
Associated Bank 158 3.18% $2,034
QUICKEN LOANS, LLC 148 3.14% $4,166
The First National Bank and Trust Company 140 3.31% $1,941
INLANTA MORTGAGE, INC. 136 3.29% $2,839
University of Wisconsin Credit Union 125 2.93% $2,712
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 101 3.10% $2,674
Blackhawk Bank 89 3.38% $2,334
MORTGAGE CENTER L.C 73 3.23% $2,611
State Bank of Cross Plains 69 2.97% $1,780
GUILD MORTGAGE COMPANY 64 3.17% $4,749
JPMorgan Chase Bank 60 3.23% $2,184
First Community Credit Union 57 3.28% $1,932
Old National Bank 56 3.11% $2,883
ENVOY MORTGAGE, LTD 51 3.35% $3,145
Barrington Bank & Trust Company, N.A. 47 3.18% $2,884
EDUCATORS CREDIT UNION 43 3.02% $1,619
NEWREZ LLC 43 3.25% $2,289
PremierBank 37 3.29% $1,847
The Bank of New Glarus 37 3.09% $1,644
The Greenwood's State Bank 35 2.93% $1,641
LOANDEPOT.COM, LLC 35 3.13% $4,434
Wells Fargo Bank 35 3.23% $2,627
BMO Harris Bank 29 3.30% $3,275
U.S. Bank 27 3.11% $2,640
THOMPSON KANE & COMPANY, LLC 25 2.99% $2,267
Oregon Community Bank 25 3.07% $2,466
GUARANTEED RATE, INC. 24 3.10% $3,049
Prosperity Home Mortgage, LLC 22 3.04% $2,858
WISCONSIN MORTGAGE CORPORATION 21 3.05% $2,480
Flagstar Bank, FSB 21 3.37% $2,651
Mr. Cooper ( Nationstar Mortgage ) 20 3.44% $3,910
Servion, Inc. 20 2.99% $1,628
DAS Acquisition Company, LLC 20 3.25% $3,346
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 18 3.30% $4,591
SENB Bank 17 2.87% $2,050
LAND HOME FINANCIAL SERVICES, INC. 17 3.30% $3,756
UNITED WHOLESALE MORTGAGE, LLC 14 3.14% $4,020
AMERISAVE MORTGAGE CORPORATION 14 3.05% $4,256
NORTHWEST BANK OF ROCKFORD 14 3.66% $2,411
Bankers' Bank 13 3.38% $2,224
PLANET HOME LENDING, LLC 12 3.09% $2,442
Midwest Community Bank 11 2.98% $2,890
BETTER MORTGAGE CORPORATION 10 3.10% $1,910
CORNERSTONE HOME LENDING, INC. 10 3.20% $3,754
Landmark Credit Union 9 3.38% $1,824
BROKER SOLUTIONS, INC. 9 3.23% $3,313
The Park Bank 9 2.88% $2,025
HOMESIDE FINANCIAL, LLC 8 3.45% $3,672
Bank of Sun Prairie 8 2.91% $3,009
CALIBER HOME LOANS, INC. 8 3.28% $1,971
Bank of Deerfield 7 3.20% $1,863
A + MORTGAGE SERVICES, INC. 7 3.16% $1,817
HERITAGE CREDIT UNION 6 3.00% $1,344
COMPEER FINANCIAL, FLCA 6 3.65% $2,621
PARKSIDE LENDING, LLC 6 3.29% $3,098
Stillman BancCorp N.A. 6 3.03% $1,705
PENNYMAC LOAN SERVICES, LLC 6 3.15% $5,807
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.22% $3,949
American Mortgage & Equity Consultants, Inc. 5 3.43% $2,892
Bank Five Nine 5 3.00% $2,309
CHERRY CREEK MORTGAGE, LLC 5 3.35% $1,032
Citizens Bank 5 3.05% $1,682
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 5 3.13% $3,245
FIRST NORTHERN Credit Union 5 3.13% $2,454
MARINE 5 8.31% $5,688
Paramount Residential Mortgage Group, Inc. 5 3.27% $3,324
Monona Bank 4 2.91% $1,731
PNC Bank 4 3.25% $3,695
Settlers Bank 4 3.41% $2,615
CROSSCOUNTRY MORTGAGE, LLC 4 3.19% $2,964
Byron Bank 4 3.33% $2,377
V.I.P. MORTGAGE, INC. 4 3.44% $3,150
Mound City Bank 4 2.88% $1,674
Carrington Mortgage Services, LLC 4 3.28% $5,844
Midland States Bank 4 3.22% $2,237
Chicago Mortgage Solutions LLC 4 2.87% $878
FINANCE OF AMERICA MORTGAGE LLC 4 3.65% $3,822
FREEDOM MORTGAGE CORPORATION 4 3.28% $3,275
FIRST CENTENNIAL MORTGAGE CORPORATION 4 2.75% $2,578
Bank of America 4 2.75% $2,287
NAVY FEDERAL CREDIT UNION 4 4.00% $2,240
Merchants Bank of Indiana 3 3.21% $873
ROYAL UNITED MORTGAGE LLC 3 3.04% $7,705
EMBRACE HOME LOANS, INC. 3 3.16% $3,486
Baxter Credit Union 3 3.21% $2,594
Starion Bank 3 2.83% $2,052
Bank of England 3 3.13% $3,687
Nations Lending Corporation 3 3.13% $6,096
NBKC BANK 3 3.20% $1,344
LEADERONE FINANCIAL CORPORATION 3 3.04% $2,432
The Federal Savings Bank 3 3.08% $5,419
Badger Bank 3 3.17% $1,580
First American Bank 3 3.21% $3,097
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.29% $3,496
Mortgage Research Center, LLC 3 3.33% $3,678
DUPACO COMMUNITY 3 2.79% $2,539
UNION HOME MORTGAGE CORP. 3 3.13% $2,411
PREMIA MORTGAGE, LLC 3 2.13% $1,970
Farmers & Merchants State Bank 3 2.88% $2,559
Ally Bank 3 2.71% $3,820
HOMESTEAD FUNDING CORP. 2 2.81% $2,577
FirstBank 2 3.13% $1,682
Rock Valley Credit Union 2 3.22% $2,264
SOFI LENDING CORP. 2 2.88% $2,631
Key Mortgage Services, Inc. 2 3.06% $2,681
DRAPER AND KRAMER MORTGAGE CORP. 2 3.19% $2,429
HOME POINT FINANCIAL CORPORATION 2 3.06% $2,757
AmeriHome Mortgage Company, LLC 2 3.25% $1,553
Waukesha State Bank 2 3.00% $2,392
Discover Bank 2 4.62% $0
Heartland Credit Union (Madison) 2 2.94% $3,232
The Huntington National Bank 2 3.30% $4,343
Quontic Bank 1 5.38% $6,633
Royal Bank 1 3.00% $1,367
Royal Credit Union 1 3.13% $0
Bell Bank 1 3.63% $2,322
STEARNS LENDING, LLC 1 3.13% $2,654
Bank First, N.A. 1 2.75% $1,988
SUMMIT FUNDING, INC. 1 3.38% $2,384
SUN WEST MORTGAGE COMPANY, INC. 1 3.63% $3,178
TCF National Bank 1 3.38% $1,759
Bankers Trust Company 1 2.75% $1,814
The First National Bank of Ottawa 1 2.88% $2,051
Arvest Bank 1 2.88% $2,344
The Peoples Community Bank 1 2.38% $4,923
Think Mutual Bank 1 3.00% $3,774
TIAA, FSB 1 2.88% $295
TOTAL MORTGAGE SERVICES, LLC 1 3.25% $3,713
Truist Bank 1 3.49% $2,701
UNITED HOME LOANS, INC. 1 3.00% $2,667
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $2,763
AMERICAN FINANCING CORPORATION 1 3.13% $1,810
USAA Federal Savings Bank 1 3.38% $3,132
ALTRA 1 3.10% $1,943
VAN DYK MORTGAGE CORPORATION 1 3.00% $1,256
Watermark Capital, Inc. 1 2.88% $2,392
Waterstone Mortgage Corporation 1 3.50% $2,892
First Bank & Trust 1 3.13% $3,414
First Guaranty Mortgage Corporation 1 2.88% $1,175
First Federal Bank 1 3.50% $1,954
First Midwest Bank 1 2.88% $2,673
First National Bank of Omaha 1 3.00% $2,182
AFFINITY 1 3.00% $2,579
FLAT BRANCH MORTGAGE, INC. 1 3.00% $2,088
GERSHMAN INVESTMENT CORP. 1 2.75% $3,445
Great Midwest Bank, S.S.B. 1 2.88% $3,860
GSF Mortgage Corporation 1 2.88% $1,386
Gulf Coast Bank and Trust Company 1 2.88% $2,531
HOMESPIRE MORTGAGE CORPORATION 1 3.00% $6,524
Home State Bank 1 3.38% $2,965
Hometown Bank 1 2.88% $920
IncredibleBank 1 2.75% $2,050
InterContinental Capital Group, Inc 1 2.88% $4,811
Ixonia Bank 1 4.00% $4,227
KELLER MORTGAGE, LLC 1 2.88% $1,963
DELMAR FINANCIAL COMPANY 1 3.50% $5,532
Deere Employees Credit Union 1 3.25% $2,123
Loan Simple, Inc. 1 3.13% $2,303
Wyndham Capital Mortgage, Inc. 1 2.88% $955
mBank 1 3.00% $2,322
MEGASTAR FINANCIAL CORP. 1 3.00% $7,205
Meridian Bank Corporation 1 3.50% $3,149
MICHIGAN MUTUAL, INC. 1 4.00% $3,125
CoVantage Credit Union 1 3.50% $2,149
MORIA DEVELOPMENT, INC. 1 3.50% $3,038
CONSUMERS COOPERATIVE CREDIT UNION 1 2.88% $2,644
COMPASS MORTGAGE, INC. 1 3.50% $3,237
ACADEMY MORTGAGE CORPORATION 1 3.00% $3,280
National Exchange Bank and Trust 1 3.13% $1,992
Neighborhood Loans, Inc. 1 3.25% $2,846
CMG MORTGAGE, INC. 1 2.88% $3,426
North American Savings Bank, F.S.B. 1 2.75% $1,548
Northpointe Bank 1 2.99% $4,150
Citizens State Bank of La Crosse 1 3.50% $1,681
Citibank 1 3.50% $4,016
CHURCHILL MORTGAGE CORPORATION 1 3.63% $2,106
ZILLOW HOME LOANS, LLC 1 3.38% $2,873
CHARTER WEST BANK 1 2.63% $1,769
PHH Mortgage Corporation 1 4.88% $5,074
Plains Commerce Bank 1 2.50% $977
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 2.63% $3,738
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.13% $6,760
PROPER RATE, LLC 1 2.99% $3,540
Blue Ridge Bank 1 4.00% $2,685
BLUELEAF LENDING, LLC 1 2.63% $2,808

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.

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.