LA CROSSE - ONALASKA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in La Crosse - Onalaska averaged
6.81%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.71% and
one month ago for the week of 2025-05-29, the
average rate was 7.23%.
La Crosse - Onalaska's average rate one year ago was 7.2%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| La Crosse - Onalaska 30 Year Fixed Rate | 2025-07-03 | 6.81% |
| La Crosse - Onalaska 30 Year Fixed Rate Refi | 2025-07-03 | 6.81% |
| La Crosse - Onalaska 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| La Crosse - Onalaska 15 Year Fixed Rate Refi | 2025-07-03 | 5.9% |
| La Crosse - Onalaska 30 Year FHA | 2025-07-03 | 0% |
| La Crosse - Onalaska 30 Year FHA Refi | 2025-07-03 | 0.2% |
| La Crosse - Onalaska 30 Year USDA | 2025-07-03 | 0.1% |
| La Crosse - Onalaska 30 Year USDA Refi | 2025-07-03 | 0.1% |
| La Crosse - Onalaska 30 Year VA | 2025-07-03 | 0.27% |
| La Crosse - Onalaska 30 Year VA Refi | 2025-07-03 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LA CROSSE-ONALASKA, WI-MN.
LA CROSSE - ONALASKA 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 LA CROSSE-ONALASKA, WI-MN 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.).
LA CROSSE - ONALASKA Average Closing Costs & Other Stats
LA CROSSE-ONALASKA, WI-MN's 98 lenders originated 2,936
loans during 2024. The total origination value was $658,110,000, with an average loan value of
$224,152.
LA CROSSE - ONALASKA's average closing costs are $3,063.
The top LA CROSSE - ONALASKA lender as defined by loan originations is ALTRA, with
342 loans originated. Their average total fees are
$2,559, which is $257
lower than the next largest lender,
Servion, Inc..
The lowest fee LA CROSSE - ONALASKA lenders (with over 10 loans originated) are
CO-OP Credit Union ($2,078), ALTRA ($2,559), Associated Bank ($2,564), Firefighters Credit Union ($2,760) and Servion, Inc. ($2,816).
The lowest rate LA CROSSE - ONALASKA lenders (with over 10 loans originated) are
University of Wisconsin Credit Union (6.22%), CO-OP Credit Union (6.51%), Alerus Financial (6.61%), Associated Bank (6.61%) and Merchants Bank (6.63%).
LA CROSSE-ONALASKA, WI-MN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| ALTRA | $169,905,000 | $198,800,000 | 17.0% | 30.2% |
| River Bank | $37,480,000 | $32,710,000 | -12.7% | 5.0% |
| Merchants Bank | $32,780,000 | $26,340,000 | -19.6% | 4.0% |
| Johnson Bank | $26,040,000 | n/a | 4.0% | |
| Servion, Inc. | $10,445,000 | $24,560,000 | 135.1% | 3.7% |
| State Bank Financial | $10,900,000 | $23,490,000 | 115.5% | 3.6% |
| Coulee Bank | $24,120,000 | $18,090,000 | -25.0% | 2.7% |
| Associated Bank | $17,265,000 | $15,710,000 | -9.0% | 2.4% |
| The First National Bank of Bangor | $16,495,000 | $11,705,000 | -29.0% | 1.8% |
| WNB Financial, N.A. | $13,890,000 | $11,560,000 | -16.8% | 1.8% |
| UNION HOME MORTGAGE CORP. | $6,525,000 | $11,170,000 | 71.2% | 1.7% |
| Mortgage Research Center, LLC | $7,325,000 | $10,780,000 | 47.2% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $7,080,000 | $9,595,000 | 35.5% | 1.5% |
| QUICKEN LOANS, LLC | $9,490,000 | $9,470,000 | -0.2% | 1.4% |
| Citizens State Bank of La Crosse | $7,680,000 | $9,395,000 | 22.3% | 1.4% |
| Firefighters Credit Union | $5,390,000 | $8,140,000 | 51.0% | 1.2% |
| U.S. Bank | $6,680,000 | $7,910,000 | 18.4% | 1.2% |
| GOVERNMENTAL EMPLOYEES | $4,810,000 | $7,680,000 | 59.7% | 1.2% |
| Alerus Financial | $145,000 | $7,460,000 | 5,044.8% | 1.1% |
| Park Bank | $4,820,000 | $7,025,000 | 45.7% | 1.1% |
| Citizens Community Federal | $3,035,000 | $6,845,000 | 125.5% | 1.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,310,000 | $6,640,000 | 5.2% | 1.0% |
| Eitzen State Bank | $5,095,000 | $6,630,000 | 30.1% | 1.0% |
| University of Wisconsin Credit Union | $4,010,000 | $6,115,000 | 52.5% | 0.9% |
| BMO Harris Bank | $3,860,000 | $6,010,000 | 55.7% | 0.9% |
| VERVE, A CREDIT UNION | $6,090,000 | $5,440,000 | -10.7% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $1,755,000 | $5,365,000 | 205.7% | 0.8% |
| Granite Community Bank | $5,300,000 | n/a | 0.8% | |
| CO-OP Credit Union | $7,200,000 | $4,850,000 | -32.6% | 0.7% |
| MARINE | $4,195,000 | $4,705,000 | 12.2% | 0.7% |
| USAA Federal Savings Bank | $2,090,000 | $4,365,000 | 108.9% | 0.7% |
| EVERETT FINANCIAL, INC. | $5,685,000 | $4,285,000 | -24.6% | 0.7% |
| Bluff View Bank | $4,775,000 | $4,000,000 | -16.2% | 0.6% |
| 1st Community Credit Union | $1,860,000 | $3,830,000 | 105.9% | 0.6% |
| The Huntington National Bank | $1,775,000 | $3,270,000 | 84.2% | 0.5% |
| FIRST COLONY MORTGAGE CORPORATION | $3,190,000 | n/a | 0.5% | |
| PENNYMAC LOAN SERVICES, LLC | $1,560,000 | $2,920,000 | 87.2% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,495,000 | $2,820,000 | 88.6% | 0.4% |
| Union State Bank of West Salem | $3,895,000 | $2,515,000 | -35.4% | 0.4% |
| Royal Credit Union | $645,000 | $2,305,000 | 257.4% | 0.4% |
| Charles Schwab Bank, SSB | $2,180,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $1,440,000 | $1,965,000 | 36.5% | 0.3% |
| Flagstar Bank, FSB | $640,000 | $1,910,000 | 198.4% | 0.3% |
| Prosperity Home Mortgage, LLC | $1,570,000 | $1,750,000 | 11.5% | 0.3% |
| Bell Bank | $3,315,000 | $1,705,000 | -48.6% | 0.3% |
| THOMPSON KANE & COMPANY, LLC | $1,645,000 | n/a | 0.2% | |
| BROKER SOLUTIONS, INC. | $645,000 | $1,520,000 | 135.7% | 0.2% |
| Summit Credit Union | $1,915,000 | $1,445,000 | -24.5% | 0.2% |
| Wells Fargo Bank | $1,420,000 | $1,380,000 | -2.8% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $865,000 | $1,355,000 | 56.6% | 0.2% |
| LOANDEPOT.COM, LLC | $295,000 | $1,350,000 | 357.6% | 0.2% |
| Discover Bank | $390,000 | $1,180,000 | 202.6% | 0.2% |
| First Federal Bank | $155,000 | $1,175,000 | 658.1% | 0.2% |
| Morgan Stanley Private Bank | $215,000 | $1,170,000 | 444.2% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $595,000 | $1,160,000 | 95.0% | 0.2% |
| PLANET HOME LENDING, LLC | $1,075,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,055,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $480,000 | $1,055,000 | 119.8% | 0.2% |
| Bank First, N.A. | $825,000 | $1,050,000 | 27.3% | 0.2% |
| GUILD MORTGAGE COMPANY | $510,000 | $1,015,000 | 99.0% | 0.2% |
| AFFINITY PLUS | $940,000 | $995,000 | 5.9% | 0.2% |
| COMPEER FINANCIAL, FLCA | $485,000 | $965,000 | 99.0% | 0.1% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $2,885,000 | $955,000 | -66.9% | 0.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $325,000 | $945,000 | 190.8% | 0.1% |
| JPMorgan Chase Bank | $1,745,000 | $925,000 | -47.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $895,000 | n/a | 0.1% | |
| Armed Forces Bank | $880,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $820,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $865,000 | $820,000 | -5.2% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $800,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $835,000 | $800,000 | -4.2% | 0.1% |
| Bremer Bank | $3,050,000 | $785,000 | -74.3% | 0.1% |
| NexBank | $755,000 | n/a | 0.1% | |
| LAKE MICHIGAN CREDIT UNION | $740,000 | n/a | 0.1% | |
| OCMBC, INC. | $165,000 | $710,000 | 330.3% | 0.1% |
| GREENSTATE CREDIT UNION | $55,000 | $625,000 | 1,036.4% | 0.1% |
| WISCONSIN MORTGAGE CORPORATION | $615,000 | n/a | 0.1% | |
| Ixonia Bank | $610,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $850,000 | $585,000 | -31.2% | 0.1% |
| Manufacturers Bank & Trust Company | $585,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $155,000 | $575,000 | 271.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $440,000 | $555,000 | 26.1% | 0.1% |
| The Federal Savings Bank | $480,000 | $555,000 | 15.6% | 0.1% |
| Kohler Credit Union | $295,000 | $540,000 | 83.1% | 0.1% |
| EDUCATORS CREDIT UNION | $285,000 | $520,000 | 82.5% | 0.1% |
| Nicolet National Bank | $520,000 | n/a | 0.1% | |
| Baraboo State Bank | $510,000 | n/a | 0.1% | |
| Fortifi Bank | $510,000 | n/a | 0.1% | |
| LAND HOME FINANCIAL SERVICES, INC. | $4,515,000 | $495,000 | -89.0% | 0.1% |
| S1L, Inc. | $490,000 | n/a | 0.1% | |
| First International Bank & Trust | $355,000 | $475,000 | 33.8% | 0.1% |
| WINGS FINANCIAL | $470,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $465,000 | n/a | 0.1% | |
| NEWREZ LLC | $485,000 | $460,000 | -5.2% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,745,000 | $445,000 | -74.5% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $435,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $425,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $280,000 | $420,000 | 50.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $420,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $415,000 | n/a | 0.1% | |
| NBKC BANK | $365,000 | $410,000 | 12.3% | 0.1% |
| INTERSTATE HOME LOAN CENTER, INC. | $405,000 | n/a | 0.1% | |
| HOMESTEAD FUNDING CORP. | $395,000 | n/a | 0.1% | |
| Figure Lending LLC | $255,000 | $385,000 | 51.0% | 0.1% |
| CARDINAL FINANCIAL | $845,000 | $380,000 | -55.0% | 0.1% |
| Carrington Mortgage Services, LLC | $405,000 | $380,000 | -6.2% | 0.1% |
| Abbott Laboratories Employees Credit Union | $375,000 | n/a | 0.1% | |
| Liberty Bank Minnesota | $375,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $1,230,000 | $375,000 | -69.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $305,000 | $375,000 | 23.0% | 0.1% |
| CITIZENS EQUITY FIRST | $365,000 | n/a | 0.1% | |
| Luana Savings Bank | $360,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $350,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $345,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $100,000 | $335,000 | 235.0% | 0.1% |
| FLAT BRANCH MORTGAGE, INC. | $335,000 | n/a | 0.1% | |
| Florida Capital Bank | $335,000 | n/a | 0.1% | |
| IOWA BANKERS MORTGAGE CORPORATION | $115,000 | $335,000 | 191.3% | 0.1% |
| V.I.P. MORTGAGE, INC. | $285,000 | $325,000 | 14.0% | 0.0% |
| Bankers' Bank | $315,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $315,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $355,000 | $305,000 | -14.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $305,000 | n/a | 0.0% | |
| The Peoples Community Bank | $295,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $195,000 | $290,000 | 48.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $285,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $995,000 | $275,000 | -72.4% | 0.0% |
| Old National Bank | $265,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| GATEWAY MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| R.I.A. Federal Credit Union | $265,000 | $255,000 | -3.8% | 0.0% |
| Security Financial Bank | $255,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $255,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $250,000 | n/a | 0.0% | |
| Ally Bank | $245,000 | n/a | 0.0% | |
| F & M Community Bank | $185,000 | $245,000 | 32.4% | 0.0% |
| VERIDIAN CREDIT UNION | $245,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $75,000 | $235,000 | 213.3% | 0.0% |
| Kerndt Brothers Savings Bank | $400,000 | $235,000 | -41.3% | 0.0% |
| VERITAS FUNDING, LLC | $460,000 | $235,000 | -48.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $225,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $425,000 | $215,000 | -49.4% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $205,000 | n/a | 0.0% | |
| Bank of America | $190,000 | $205,000 | 7.9% | 0.0% |
| CoVantage Credit Union | $280,000 | $205,000 | -26.8% | 0.0% |
| Landmark Credit Union | $205,000 | n/a | 0.0% | |
| Community Resource Bank | $195,000 | n/a | 0.0% | |
| Minnwest Bank | $195,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $195,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $185,000 | n/a | 0.0% | |
| Fox Valley Savings Bank | $185,000 | n/a | 0.0% | |
| SUPERIOR CHOICE | $170,000 | $185,000 | 8.8% | 0.0% |
| TOWNE MORTGAGE COMPANY | $185,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $105,000 | $165,000 | 57.1% | 0.0% |
| Bank Five Nine | $165,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $195,000 | $165,000 | -15.4% | 0.0% |
| PNC Bank | $620,000 | $165,000 | -73.4% | 0.0% |
| Baxter Credit Union | $160,000 | n/a | 0.0% | |
| ADVIA | $155,000 | n/a | 0.0% | |
| EMM LOANS LLC | $155,000 | n/a | 0.0% | |
| Foresight Bank | $155,000 | n/a | 0.0% | |
| HIGHMARK | $155,000 | n/a | 0.0% | |
| Royal Bank | $145,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $215,000 | $135,000 | -37.2% | 0.0% |
| Elements Financial Federal Credit Union | $135,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $115,000 | n/a | 0.0% | |
| LOANPAL, LLC | $115,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Cambria Financial Group, LLC | $85,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $275,000 | $85,000 | -69.1% | 0.0% |
| Coastal Community Bank | $60,000 | $65,000 | 8.3% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $55,000 | $65,000 | 18.2% | 0.0% |
| Community First Credit Union | $55,000 | n/a | 0.0% | |
| WESTconsin Credit Union | $600,000 | $45,000 | -92.5% | 0.0% |
| Bethpage Federal Credit Union | $35,000 | n/a | 0.0% | |
| Connexus Credit Union | $25,000 | n/a | 0.0% |
LA CROSSE - ONALASKA's top lender by overall market share is ALTRA, with 30.2% market share. In second place, with 5.0%, is River Bank, having originated $32,710,000 in loans. In third place, with 4.0%, is Merchants Bank, having originated $26,340,000 in loans. In fourth place, with 4.0%, is Johnson Bank, having originated $26,040,000 in loans. In fifth place, with 3.7%, is Servion, Inc., having originated $24,560,000 in loans.
LA CROSSE - ONALASKA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - LA CROSSE - ONALASKA (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 | $208,950 (6.1%) | $266,853 (3.9%) | 0.77 | 378 |
| 2018-02-01 | $224,825 (14.4%) | $275,886 (6.9%) | 0.82 | 367 |
| 2018-03-01 | $225,450 (15.0%) | $284,271 (9.0%) | 0.79 | 378 |
| 2018-04-01 | $238,075 (19.1%) | $296,662 (13.0%) | 0.81 | 388 |
| 2018-05-01 | $229,575 (10.6%) | $301,113 (14.2%) | 0.77 | 443 |
| 2018-06-01 | $234,900 (8.0%) | $305,916 (13.2%) | 0.78 | 487 |
| 2018-07-01 | $229,925 (4.6%) | $298,031 (8.7%) | 0.77 | 526 |
| 2018-08-01 | $229,700 (5.7%) | $295,106 (10.3%) | 0.77 | 548 |
| 2018-09-01 | $239,900 (12.9%) | $298,793 (12.2%) | 0.81 | 534 |
| 2018-10-01 | $236,675 (13.5%) | $294,249 (13.5%) | 0.80 | 501 |
| 2018-11-01 | $233,950 (17.0%) | $289,677 (13.5%) | 0.79 | 451 |
| 2018-12-01 | $219,950 (6.5%) | $291,226 (15.2%) | 0.76 | 390 |
| 2019-01-01 | $219,950 (5.3%) | $290,791 (9.0%) | 0.76 | 324 |
| 2019-02-01 | $237,425 (5.6%) | $304,225 (10.3%) | 0.80 | 315 |
| 2019-03-01 | $244,186 (8.3%) | $307,039 (8.0%) | 0.80 | 334 |
| 2019-04-01 | $247,936 (4.1%) | $305,062 (2.8%) | 0.79 | 386 |
| 2019-05-01 | $243,650 (6.1%) | $303,610 (0.8%) | 0.76 | 419 |
| 2019-06-01 | $248,750 (5.9%) | $302,754 (-1.0%) | 0.78 | 502 |
| 2019-07-01 | $249,450 (8.5%) | $307,671 (3.2%) | 0.78 | 516 |
| 2019-08-01 | $239,973 (4.5%) | $306,482 (3.9%) | 0.76 | 526 |
| 2019-09-01 | $239,932 (0.0%) | $304,557 (1.9%) | 0.77 | 538 |
| 2019-10-01 | $239,905 (1.4%) | $303,115 (3.0%) | 0.77 | 539 |
| 2019-11-01 | $239,900 (2.5%) | $301,878 (4.2%) | 0.79 | 490 |
| 2019-12-01 | $241,225 (9.7%) | $295,947 (1.6%) | 0.80 | 429 |
| 2020-01-01 | $239,225 (8.8%) | $293,215 (0.8%) | 0.80 | 372 |
| 2020-02-01 | $241,900 (1.9%) | $306,169 (0.6%) | 0.79 | 349 |
| 2020-03-01 | $249,450 (2.2%) | $316,854 (3.2%) | 0.78 | 362 |
| 2020-04-01 | $259,000 (4.5%) | $317,873 (4.2%) | 0.81 | 345 |
| 2020-05-01 | $254,950 (4.6%) | $307,847 (1.4%) | 0.77 | 352 |
| 2020-06-01 | $267,200 (7.4%) | $310,905 (2.7%) | 0.79 | 378 |
| 2020-07-01 | $274,450 (10.0%) | $315,031 (2.4%) | 0.80 | 396 |
| 2020-08-01 | $264,900 (10.4%) | $305,734 (-0.2%) | 0.76 | 393 |
| 2020-09-01 | $245,175 (2.2%) | $294,729 (-3.2%) | 0.70 | 379 |
| 2020-10-01 | $239,698 (-0.1%) | $290,999 (-4.0%) | 0.69 | 349 |
| 2020-11-01 | $239,450 (-0.2%) | $292,335 (-3.2%) | 0.70 | 305 |
| 2020-12-01 | $229,150 (-5.0%) | $287,372 (-2.9%) | 0.68 | 253 |
| 2021-01-01 | $229,900 (-3.9%) | $297,561 (1.5%) | 0.69 | 183 |
| 2021-02-01 | $244,900 (1.2%) | $315,898 (3.2%) | 0.71 | 171 |
| 2021-03-01 | $268,125 (7.5%) | $322,032 (1.6%) | 0.76 | 164 |
| 2021-04-01 | $273,700 (5.7%) | $331,063 (4.2%) | 0.74 | 168 |
| 2021-05-01 | $299,500 (17.5%) | $333,367 (8.3%) | 0.80 | 173 |
| 2021-06-01 | $297,400 (11.3%) | $338,275 (8.8%) | 0.78 | 173 |
| 2021-07-01 | $267,400 (-2.6%) | $336,857 (6.9%) | 0.71 | 211 |
| 2021-08-01 | $279,900 (5.7%) | $338,288 (10.7%) | 0.75 | 228 |
| 2021-09-01 | $271,450 (10.7%) | $327,539 (11.1%) | 0.72 | 245 |
| 2021-10-01 | $289,000 (20.6%) | $331,556 (13.9%) | 0.77 | 239 |
| 2021-11-01 | $289,950 (21.1%) | $343,387 (17.5%) | 0.78 | 198 |
| 2021-12-01 | $273,700 (19.4%) | $347,351 (20.9%) | 0.74 | 186 |
| 2022-01-01 | $300,000 (30.5%) | $367,070 (23.4%) | 0.81 | 145 |
| 2022-02-01 | $299,900 (22.5%) | $371,638 (17.6%) | 0.78 | 120 |
| 2022-03-01 | $309,950 (15.6%) | $378,954 (17.7%) | 0.78 | 121 |
| 2022-04-01 | $324,000 (18.4%) | $381,009 (15.1%) | 0.77 | 121 |
| 2022-05-01 | $331,350 (10.6%) | $400,371 (20.1%) | 0.76 | 165 |
| 2022-06-01 | $324,725 (9.2%) | $399,929 (18.2%) | 0.72 | 193 |
| 2022-07-01 | $312,900 (17.0%) | $393,706 (16.9%) | 0.70 | 223 |
| 2022-08-01 | $319,950 (14.3%) | $398,155 (17.7%) | 0.74 | 239 |
| 2022-09-01 | $344,450 (26.9%) | $396,491 (21.1%) | 0.81 | 231 |
| 2022-10-01 | $347,000 (20.1%) | $388,901 (17.3%) | 0.82 | 229 |
| 2022-11-01 | $346,225 (19.4%) | $374,213 (9.0%) | 0.83 | 216 |
| 2022-12-01 | $354,900 (29.7%) | $377,458 (8.7%) | 0.88 | 165 |
| 2023-01-01 | $347,450 (15.8%) | $379,466 (3.4%) | 0.86 | 142 |
| 2023-02-01 | $347,425 (15.9%) | $370,757 (-0.2%) | 0.84 | 134 |
| 2023-03-01 | $327,225 (5.6%) | $359,222 (-5.2%) | 0.77 | 134 |
| 2023-04-01 | $350,000 (8.0%) | $367,464 (-3.6%) | 0.81 | 143 |
| 2023-05-01 | $331,975 (0.2%) | $370,051 (-7.6%) | 0.75 | 162 |
| 2023-06-01 | $326,175 (0.5%) | $377,378 (-5.6%) | 0.73 | 166 |
| 2023-07-01 | $319,000 (2.0%) | $366,121 (-7.0%) | 0.73 | 176 |
| 2023-08-01 | $326,950 (2.2%) | $374,529 (-5.9%) | 0.75 | 202 |
| 2023-09-01 | $299,900 (-12.9%) | $372,973 (-5.9%) | 0.70 | 200 |
| 2023-10-01 | $319,425 (-8.0%) | $369,439 (-5.0%) | 0.75 | 223 |
| 2023-11-01 | $324,225 (-6.4%) | $371,096 (-0.8%) | 0.77 | 210 |
| 2023-12-01 | $329,900 (-7.0%) | $380,835 (0.9%) | 0.80 | 201 |
| 2024-01-01 | $336,000 (-3.3%) | $387,472 (2.1%) | 0.82 | 160 |
| 2024-02-01 | $329,225 (-5.2%) | $390,843 (5.4%) | 0.79 | 145 |
| 2024-03-01 | $359,900 (10.0%) | $387,852 (8.0%) | 0.85 | 151 |
| 2024-04-01 | $359,700 (2.8%) | $402,851 (9.6%) | 0.84 | 184 |
| 2024-05-01 | $379,900 (14.4%) | $430,589 (16.4%) | 0.86 | 195 |
| 2024-06-01 | $377,450 (15.7%) | $431,557 (14.4%) | 0.86 | 221 |
| 2024-07-01 | $377,350 (18.3%) | $435,621 (19.0%) | 0.86 | 229 |
| 2024-08-01 | $368,950 (12.9%) | $420,481 (12.3%) | 0.86 | 260 |
| 2024-09-01 | $360,725 (20.3%) | $411,927 (10.4%) | 0.85 | 277 |
| 2024-10-01 | $369,500 (15.7%) | $424,196 (14.8%) | 0.87 | 291 |
| 2024-11-01 | $360,000 (11.0%) | $408,095 (10.0%) | 0.86 | 283 |
| 2024-12-01 | $339,675 (3.0%) | $406,136 (6.6%) | 0.84 | 248 |
| 2025-01-01 | $334,675 (-0.4%) | $400,737 (3.4%) | 0.84 | 229 |
| 2025-02-01 | $358,475 (8.9%) | $411,461 (5.3%) | 0.87 | 197 |
| 2025-03-01 | $382,500 (6.3%) | $435,818 (12.4%) | 0.90 | 199 |
| 2025-04-01 | $395,050 (9.8%) | $445,017 (10.5%) | 0.92 | 196 |
| 2025-05-01 | $399,000 (5.0%) | $455,488 (5.8%) | 0.91 | 240 |
LA CROSSE - ONALASKA's median listing price for 2025-05-01 was $399,000, a difference of
$19,100
(5.0%) versus the prior year and
$3,950 versus the prior month.
LA CROSSE - ONALASKA's median listing price comes in at 91% of the national average.
LA CROSSE - ONALASKA's average listing price for 2025-05-01 was $455,488, a difference of $24,899 (5.8%) versus the prior year and $10,471 versus the prior month.
For the 2025-05-01 period, LA CROSSE - ONALASKA had 240 MLS listings, a difference of 44 listings (22%) versus the prior month and 45 listings (23%) versus the prior year.
LA CROSSE - ONALASKA's median listing price comes in at 91% of the national average.
LA CROSSE - ONALASKA's average listing price for 2025-05-01 was $455,488, a difference of $24,899 (5.8%) versus the prior year and $10,471 versus the prior month.
For the 2025-05-01 period, LA CROSSE - ONALASKA had 240 MLS listings, a difference of 44 listings (22%) versus the prior month and 45 listings (23%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - LA CROSSE - ONALASKA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 76 days | 1,847 sqft |
| 2018-02-01 | 76 days | 1,896 sqft |
| 2018-03-01 | 54 days | 1,815 sqft |
| 2018-04-01 | 44 days | 1,960 sqft |
| 2018-05-01 | 38 days | 1,976 sqft |
| 2018-06-01 | 39 days | 2,000 sqft |
| 2018-07-01 | 44 days | 2,017 sqft |
| 2018-08-01 | 48 days | 2,008 sqft |
| 2018-09-01 | 51 days | 2,041 sqft |
| 2018-10-01 | 58 days | 2,065 sqft |
| 2018-11-01 | 65 days | 2,064 sqft |
| 2018-12-01 | 79 days | 1,972 sqft |
| 2019-01-01 | 87 days | 1,863 sqft |
| 2019-02-01 | 77 days | 1,994 sqft |
| 2019-03-01 | 58 days | 2,017 sqft |
| 2019-04-01 | 37 days | 2,036 sqft |
| 2019-05-01 | 34 days | 2,037 sqft |
| 2019-06-01 | 37 days | 2,086 sqft |
| 2019-07-01 | 40 days | 2,090 sqft |
| 2019-08-01 | 45 days | 2,053 sqft |
| 2019-09-01 | 47 days | 2,014 sqft |
| 2019-10-01 | 50 days | 1,983 sqft |
| 2019-11-01 | 58 days | 1,978 sqft |
| 2019-12-01 | 71 days | 1,982 sqft |
| 2020-01-01 | 86 days | 1,997 sqft |
| 2020-02-01 | 88 days | 2,000 sqft |
| 2020-03-01 | 52 days | 2,005 sqft |
| 2020-04-01 | 49 days | 2,011 sqft |
| 2020-05-01 | 54 days | 2,010 sqft |
| 2020-06-01 | 40 days | 2,040 sqft |
| 2020-07-01 | 45 days | 2,137 sqft |
| 2020-08-01 | 44 days | 2,024 sqft |
| 2020-09-01 | 45 days | 1,904 sqft |
| 2020-10-01 | 46 days | 1,884 sqft |
| 2020-11-01 | 53 days | 1,831 sqft |
| 2020-12-01 | 58 days | 1,730 sqft |
| 2021-01-01 | 57 days | 1,733 sqft |
| 2021-02-01 | 40 days | 1,794 sqft |
| 2021-03-01 | 28 days | 1,815 sqft |
| 2021-04-01 | 26 days | 1,853 sqft |
| 2021-05-01 | 22 days | 1,890 sqft |
| 2021-06-01 | 29 days | 1,855 sqft |
| 2021-07-01 | 26 days | 1,811 sqft |
| 2021-08-01 | 29 days | 1,853 sqft |
| 2021-09-01 | 35 days | 1,877 sqft |
| 2021-10-01 | 44 days | 1,890 sqft |
| 2021-11-01 | 51 days | 1,908 sqft |
| 2021-12-01 | 52 days | 1,899 sqft |
| 2022-01-01 | 61 days | 1,935 sqft |
| 2022-02-01 | 48 days | 1,933 sqft |
| 2022-03-01 | 17 days | 1,861 sqft |
| 2022-04-01 | 17 days | 1,900 sqft |
| 2022-05-01 | 16 days | 1,933 sqft |
| 2022-06-01 | 24 days | 1,916 sqft |
| 2022-07-01 | 29 days | 1,896 sqft |
| 2022-08-01 | 33 days | 1,882 sqft |
| 2022-09-01 | 38 days | 1,944 sqft |
| 2022-10-01 | 37 days | 1,953 sqft |
| 2022-11-01 | 44 days | 1,937 sqft |
| 2022-12-01 | 62 days | 2,010 sqft |
| 2023-01-01 | 76 days | 1,923 sqft |
| 2023-02-01 | 56 days | 1,856 sqft |
| 2023-03-01 | 31 days | 1,852 sqft |
| 2023-04-01 | 33 days | 1,875 sqft |
| 2023-05-01 | 31 days | 1,866 sqft |
| 2023-06-01 | 39 days | 1,849 sqft |
| 2023-07-01 | 42 days | 1,815 sqft |
| 2023-08-01 | 37 days | 1,825 sqft |
| 2023-09-01 | 42 days | 1,816 sqft |
| 2023-10-01 | 40 days | 1,867 sqft |
| 2023-11-01 | 43 days | 1,868 sqft |
| 2023-12-01 | 53 days | 1,870 sqft |
| 2024-01-01 | 68 days | 1,866 sqft |
| 2024-02-01 | 60 days | 1,850 sqft |
| 2024-03-01 | 42 days | 1,900 sqft |
| 2024-04-01 | 31 days | 1,879 sqft |
| 2024-05-01 | 38 days | 1,910 sqft |
| 2024-06-01 | 46 days | 1,970 sqft |
| 2024-07-01 | 38 days | 2,000 sqft |
| 2024-08-01 | 35 days | 1,960 sqft |
| 2024-09-01 | 39 days | 1,855 sqft |
| 2024-10-01 | 44 days | 1,939 sqft |
| 2024-11-01 | 50 days | 1,878 sqft |
| 2024-12-01 | 64 days | 1,886 sqft |
| 2025-01-01 | 70 days | 1,853 sqft |
| 2025-02-01 | 71 days | 1,857 sqft |
| 2025-03-01 | 58 days | 1,943 sqft |
| 2025-04-01 | 41 days | 1,955 sqft |
| 2025-05-01 | 36 days | 2,000 sqft |
LA CROSSE - ONALASKA's median listing age (time on market) for 2025-05-01 was 36 days.
This
is -4%
shorter
than the same period one year ago.
LA CROSSE - ONALASKA's median square footage for active listings during the 2025-05-01 period was 2,000 sqft. One year prior, the average listing was 1,910 sqft.
LA CROSSE - ONALASKA's median square footage for active listings during the 2025-05-01 period was 2,000 sqft. One year prior, the average listing was 1,910 sqft.
LA CROSSE-ONALASKA, WI-MN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,503 | $445,915,000 | $296,683 |
| Refi | 473 | $105,905,000 | $223,901 |
| Home Improvement | 389 | $40,395,000 | $103,843 |
| Other | 286 | $20,860,000 | $72,937 |
| Cash Out Refi | 285 | $45,035,000 | $158,018 |
La Crosse - Onalaska's most frequently cited loan purpose was Home Purchase, with 1,503 originations. The 2nd most popular reason was Refi, with 473 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,063 | $263,035,000 | $247,446 |
| 7-8% | 641 | $136,115,000 | $212,348 |
| Over 8% | 425 | $54,985,000 | $129,376 |
| 5-6% | 320 | $78,230,000 | $244,469 |
| 4-5% | 16 | $2,940,000 | $183,750 |
| <2.5% | 10 | $690,000 | $69,000 |
| 3-4% | 1 | $55,000 | $55,000 |
During 2024, La Crosse - Onalaska's most frequently originated rate bucket was 6-7%, with 1,063 originations.
Loan Sizing (LA CROSSE-ONALASKA, WI-MN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,004 | $279,270,000 | $278,157 |
| $100,000 or less | 992 | $50,870,000 | $51,280 |
| $100k-200k | 682 | $102,270,000 | $149,956 |
| $400k-600k | 184 | $85,680,000 | $465,652 |
| $600k-1000k | 50 | $36,590,000 | $731,800 |
| $Over $1MM | 24 | $103,430,000 | $4,309,583 |
LA CROSSE - ONALASKA's loan sizing saw the bucket of loans from $200k-400k with 1,004 originations, totaling $279,270,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 809 | $238,285,000 | $294,543 |
| Under 20% | 506 | $21,450,000 | $42,391 |
| 60-80% | 480 | $179,210,000 | $373,354 |
| 20-40% | 417 | $39,975,000 | $95,863 |
| 40-60% | 212 | $42,220,000 | $199,151 |
| Over 100% | 23 | $7,265,000 | $315,870 |
LA CROSSE - ONALASKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 809 originations, totaling $238,285,000 in origination value.