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 6.96% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

The average rate for the prior week (2023-11-16) was 6.91% and one month ago for the week of 2023-10-19, the average rate was 7.5%.

La Crosse - Onalaska's average rate one year ago was 6.48%.

For refis of the same type during the week of 2023-11-22, the average rate was 6.57%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-22 7.29%
La Crosse - Onalaska 30 Year Fixed Rate 2023-11-22 6.96%
La Crosse - Onalaska 30 Year Fixed Rate Refi 2023-11-22 6.57%
La Crosse - Onalaska 15 Year Fixed Rate 2023-11-22 6.25%
La Crosse - Onalaska 15 Year Fixed Rate Refi 2023-11-22 5.99%
La Crosse - Onalaska 30 Year FHA 2023-11-22 -0.34%
La Crosse - Onalaska 30 Year FHA Refi 2023-11-22 0.1%
La Crosse - Onalaska 30 Year USDA 2023-11-22 -0.1%
La Crosse - Onalaska 30 Year USDA Refi 2023-11-22 0.1%
La Crosse - Onalaska 30 Year VA 2023-11-22 0.03%
La Crosse - Onalaska 30 Year VA Refi 2023-11-22 0.1%
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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
ALTRA 604 4.84% $2,287
Merchants Bank 90 4.74% $2,403
Servion, Inc. 67 4.65% $2,332
Coulee Bank 66 5.29% $3,364
LAND HOME FINANCIAL SERVICES, INC. 60 4.99% $5,582
Associated Bank 41 5.05% $2,614
Firefighters Credit Union 36 4.89% $2,372
Bremer Bank 35 5.03% $4,200
EVERETT FINANCIAL, INC. 28 4.89% $1,903
QUICKEN LOANS, LLC 27 4.60% $5,991
Wells Fargo Bank 25 5.00% $3,329
Citizens State Bank of La Crosse 25 5.31% $2,978
CO-OP Credit Union 23 4.28% $1,914
VERVE, A CREDIT UNION 19 4.02% $2,028
University of Wisconsin Credit Union 15 4.18% $2,879
WNB Financial, N.A. 15 5.33% $4,104
Home Federal Savings Bank 12 4.86% $2,548
U.S. Bank 12 4.80% $3,010
LOANDEPOT.COM, LLC 10 4.07% $3,746
UNITED WHOLESALE MORTGAGE, LLC 10 5.55% $3,910
CROSSCOUNTRY MORTGAGE, LLC 10 6.31% $5,169
Bell Bank 8 5.11% $4,145
FINANCE OF AMERICA MORTGAGE LLC 8 4.48% $2,783
Prosperity Home Mortgage, LLC 7 5.36% $4,546
The Huntington National Bank 6 4.83% $5,226
BMO Harris Bank 6 4.83% $3,000
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 4.67% $3,689
GUARANTEED RATE, INC. 5 5.09% $3,675
JPMorgan Chase Bank 5 5.75% $5,324
AMERISAVE MORTGAGE CORPORATION 4 4.41% $7,978
MAYO EMPLOYEES FEDERAL CREDIT UNION 4 4.78% $5,406
Mr. Cooper ( Nationstar Mortgage ) 4 4.22% $5,308
BETTER MORTGAGE CORPORATION 4 3.59% $2,777
Royal Credit Union 4 4.31% $0
First Federal Bank 4 5.16% $4,455
Bank First, N.A. 4 5.08% $2,095
INLANTA MORTGAGE, INC. 4 5.78% $3,386
Citizens Community Federal 3 5.50% $2,956
Ally Bank 3 4.67% $6,766
Nations Lending Corporation 3 6.50% $4,276
ENDEAVOR CAPITAL, LLC. 3 5.92% $5,274
GUILD MORTGAGE COMPANY 2 4.68% $5,485
BROKER SOLUTIONS, INC. 2 4.69% $5,026
Tradition Mortgage, LLC 2 5.68% $4,323
AFFINITY PLUS 2 4.44% $4,122
Old National Bank 2 4.38% $3,190
Nicolet National Bank 2 4.68% $3,557
FREEDOM MORTGAGE CORPORATION 2 4.94% $10,584
HOME POINT FINANCIAL CORPORATION 2 4.62% $2,988
NAVY FEDERAL CREDIT UNION 2 4.88% $1,888
Bank Five Nine 2 4.68% $2,804
Bank of the West 2 5.44% $3,717
Carrington Mortgage Services, LLC 2 5.19% $5,300
Luana Savings Bank 2 6.06% $2,007
Royal Bank 2 5.63% $2,050
DAS Acquisition Company, LLC 2 4.00% $3,006
Think Mutual Bank 2 4.88% $3,239
THOMPSON KANE & COMPANY, LLC 2 4.94% $2,575
AMERICAN FINANCING CORPORATION 2 5.44% $5,505
ZILLOW HOME LOANS, LLC 1 5.63% $2,914
American Mortgage & Equity Consultants, Inc. 1 5.38% $3,440
A + MORTGAGE SERVICES, INC. 1 4.25% $2,175
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 10.13% $4,358
Arvest Bank 1 4.25% $2,512
Bank of America 1 6.25% $600
Barrington Bank & Trust Company, N.A. 1 3.75% $2,096
Baxter Credit Union 1 4.50% $2,504
BEST CAPITAL FUNDING 1 3.25% $7,688
BLUELEAF LENDING, LLC 1 3.63% $2,278
CARDINAL FINANCIAL 1 3.75% $16,434
CHERRY CREEK MORTGAGE, LLC 1 3.50% $123
CHURCHILL MORTGAGE CORPORATION 1 5.38% $2,169
CoVantage Credit Union 1 3.88% $2,789
Deerwood Bank 1 5.63% $5,628
DRAPER AND KRAMER MORTGAGE CORP. 1 5.38% $3,739
DUPACO COMMUNITY 1 5.63% $3,033
EDUCATORS CREDIT UNION 1 5.25% $2,289
ENVOY MORTGAGE, LTD 1 3.25% $3,489
Flagstar Bank, FSB 1 5.88% $5,664
Frandsen Bank & Trust 1 3.95% $4,467
GUARANTEED RATE AFFINITY, LLC 1 4.88% $2,915
Heartland Credit Union (Madison) 1 5.00% $4,699
Heritage Bank 1 5.63% $5,199
Johnson Bank 1 4.38% $2,724
KeyBank 1 3.13% $3,489
LAKEVIEW LOAN SERVICING, LLC 1 5.88% $4,856
Monona Bank 1 4.00% $3,089
Mortgage Research Center, LLC 1 5.50% $5,082
MOVEMENT MORTGAGE, LLC 1 7.00% $3,049
MUTUAL OF OMAHA MORTGAGE, INC. 1 5.63% $3,052
National Exchange Bank and Trust 1 5.25% $1,093
NATIONS RELIABLE LENDING, LLC 1 6.75% $6,364
NEWREZ LLC 1 3.99% $2,995
NORTHWEST BANK OF ROCKFORD 1 5.38% $2,147
Oregon Community Bank 1 3.88% $3,568
PENNYMAC LOAN SERVICES, LLC 1 4.37% $7,031
Plains Commerce Bank 1 4.13% $2,175
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.25% $2,508
Republic Bank & Trust Company 1 4.88% $2,290
ROYAL UNITED MORTGAGE LLC 1 6.50% $6,206
Settlers Bank 1 6.88% $3,503
SOFI LENDING CORP. 1 3.75% $3,800
Stifel Bank and Trust 1 5.75% $1,666
Summit Credit Union 1 2.50% $2,742
The Bank of New Glarus 1 5.00% $2,358
The Federal Savings Bank 1 4.88% $4,750
The Park Bank 1 3.25% $1,877
The Peoples Community Bank 1 6.75% $2,992
THRIVENT Federal Credit Union 1 2.75% $1,875
TOPLINE FEDERAL CREDIT UNION 1 6.00% $4,243
TOTAL MORTGAGE SERVICES, LLC 1 5.75% $3,875
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 4.88% $4,350
UNION HOME MORTGAGE CORP. 1 5.50% $6,310
USAA Federal Savings Bank 1 6.00% $2,979
VERIDIAN CREDIT UNION 1 5.00% $1,721
WESTconsin Credit Union 1 3.13% $3,960
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 6.00% $3,718

LA CROSSE - ONALASKA Average Closing Costs & Other Stats

LA CROSSE-ONALASKA, WI-MN's 117 lenders originated 3,905 loans during 2022. The total origination value was $797,025,000, with an average loan value of $204,104.

LA CROSSE - ONALASKA's average closing costs are $2,790.

The top LA CROSSE - ONALASKA lender as defined by loan originations is ALTRA, with 604 loans originated. Their average total fees are $2,287, which is $116 lower than the next largest lender, Merchants Bank.

The lowest fee LA CROSSE - ONALASKA lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($1,903), CO-OP Credit Union ($1,914), VERVE, A CREDIT UNION ($2,028), ALTRA ($2,287) and Servion, Inc. ($2,332).

The lowest rate LA CROSSE - ONALASKA lenders (with over 10 loans originated) are VERVE, A CREDIT UNION (4.02%), LOANDEPOT.COM, LLC (4.07%), University of Wisconsin Credit Union (4.18%), CO-OP Credit Union (4.28%) and QUICKEN LOANS, LLC (4.60%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
ALTRA $438,380,000 $253,295,000 -42.2% 31.8%
Merchants Bank $93,650,000 $52,815,000 -43.6% 6.6%
River Bank $107,110,000 $45,955,000 -57.1% 5.8%
Citizens State Bank of La Crosse $49,470,000 $27,760,000 -43.9% 3.5%
State Bank Financial $26,550,000 n/a 3.3%
Coulee Bank $39,680,000 $24,505,000 -38.2% 3.1%
Bremer Bank $17,025,000 $24,210,000 42.2% 3.0%
Servion, Inc. $71,805,000 $21,210,000 -70.5% 2.7%
Firefighters Credit Union $17,355,000 $19,220,000 10.7% 2.4%
LAND HOME FINANCIAL SERVICES, INC. $20,695,000 $18,440,000 -10.9% 2.3%
Associated Bank $33,560,000 $16,890,000 -49.7% 2.1%
QUICKEN LOANS, LLC $29,530,000 $14,775,000 -50.0% 1.9%
GOVERNMENTAL EMPLOYEES $14,665,000 $12,640,000 -13.8% 1.6%
North Shore Bank FSB $250,000 $12,365,000 4,846.0% 1.6%
EVERETT FINANCIAL, INC. $4,725,000 $10,300,000 118.0% 1.3%
Park Bank $31,805,000 $9,940,000 -68.7% 1.2%
Mortgage Research Center, LLC $9,370,000 $9,315,000 -0.6% 1.2%
WNB Financial, N.A. $15,970,000 $8,920,000 -44.1% 1.1%
Wells Fargo Bank $22,250,000 $8,660,000 -61.1% 1.1%
CO-OP Credit Union $3,820,000 $7,515,000 96.7% 0.9%
Eitzen State Bank $7,040,000 n/a 0.9%
VERVE, A CREDIT UNION $27,555,000 $7,030,000 -74.5% 0.9%
Home Federal Savings Bank $10,180,000 $6,835,000 -32.9% 0.9%
U.S. Bank $17,635,000 $6,385,000 -63.8% 0.8%
MARINE $7,595,000 $5,855,000 -22.9% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $1,160,000 $5,550,000 378.4% 0.7%
University of Wisconsin Credit Union $6,280,000 $5,335,000 -15.0% 0.7%
Bluff View Bank $14,055,000 $4,980,000 -64.6% 0.6%
1st Community Credit Union $7,225,000 $4,910,000 -32.0% 0.6%
Citizens Community Federal $9,080,000 $4,740,000 -47.8% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $340,000 $4,485,000 1,219.1% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $5,835,000 $4,050,000 -30.6% 0.5%
NAVY FEDERAL CREDIT UNION $2,440,000 $3,890,000 59.4% 0.5%
BMO Harris Bank $3,685,000 $3,570,000 -3.1% 0.4%
WALKER & DUNLOP, LLC $3,485,000 n/a 0.4%
MAYO EMPLOYEES FEDERAL CREDIT UNION $1,085,000 $3,295,000 203.7% 0.4%
Grandbridge Real Estate Capital LLC $3,055,000 n/a 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,875,000 $2,845,000 -26.6% 0.4%
Bell Bank $1,955,000 $2,815,000 44.0% 0.4%
LOANDEPOT.COM, LLC $6,120,000 $2,660,000 -56.5% 0.3%
The Huntington National Bank $2,305,000 $2,565,000 11.3% 0.3%
FREEDOM MORTGAGE CORPORATION $19,830,000 $2,155,000 -89.1% 0.3%
Prosperity Home Mortgage, LLC $3,905,000 $1,845,000 -52.8% 0.2%
Royal Bank $1,985,000 $1,775,000 -10.6% 0.2%
Mr. Cooper ( Nationstar Mortgage ) $5,600,000 $1,740,000 -68.9% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,115,000 $1,735,000 -18.0% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,895,000 $1,685,000 -56.7% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,850,000 $1,660,000 -10.3% 0.2%
INLANTA MORTGAGE, INC. $4,765,000 $1,615,000 -66.1% 0.2%
Wisconsin River Bank $5,045,000 $1,515,000 -70.0% 0.2%
Bank First, N.A. $1,920,000 $1,485,000 -22.7% 0.2%
Stifel Bank and Trust $665,000 $1,395,000 109.8% 0.2%
Old National Bank $290,000 $1,330,000 358.6% 0.2%
Royal Credit Union $1,305,000 $1,325,000 1.5% 0.2%
BROKER SOLUTIONS, INC. $3,365,000 $1,295,000 -61.5% 0.2%
First Federal Bank $2,715,000 $1,230,000 -54.7% 0.2%
Summit Credit Union $1,675,000 $1,205,000 -28.1% 0.2%
Summit Mortgage Corporation $215,000 $1,170,000 444.2% 0.1%
USAA Federal Savings Bank $1,630,000 $1,070,000 -34.4% 0.1%
GUARANTEED RATE, INC. $3,285,000 $1,015,000 -69.1% 0.1%
BETTER MORTGAGE CORPORATION $2,240,000 $1,010,000 -54.9% 0.1%
JPMorgan Chase Bank $885,000 $1,005,000 13.6% 0.1%
Paramount Residential Mortgage Group, Inc. $470,000 $995,000 111.7% 0.1%
PENNYMAC LOAN SERVICES, LLC $6,160,000 $990,000 -83.9% 0.1%
NEWREZ LLC $2,130,000 $970,000 -54.5% 0.1%
Ally Bank $95,000 $930,000 878.9% 0.1%
THOMPSON KANE & COMPANY, LLC $485,000 $910,000 87.6% 0.1%
Flagstar Bank, FSB $1,725,000 $885,000 -48.7% 0.1%
The Federal Savings Bank $1,375,000 $865,000 -37.1% 0.1%
SOFI LENDING CORP. $800,000 n/a 0.1%
Nicolet National Bank $545,000 $785,000 44.0% 0.1%
Bank of the West $2,350,000 $680,000 -71.1% 0.1%
Monona Bank $680,000 n/a 0.1%
DAS Acquisition Company, LLC $1,650,000 $675,000 -59.1% 0.1%
LAKEVIEW LOAN SERVICING, LLC $2,855,000 $665,000 -76.7% 0.1%
ENDEAVOR CAPITAL, LLC. $655,000 n/a 0.1%
Johnson Bank $470,000 $605,000 28.7% 0.1%
Think Mutual Bank $580,000 n/a 0.1%
HOME POINT FINANCIAL CORPORATION $1,450,000 $535,000 -63.1% 0.1%
Arvest Bank $630,000 $525,000 -16.7% 0.1%
Nations Lending Corporation $520,000 n/a 0.1%
CHERRY CREEK MORTGAGE, LLC $625,000 $510,000 -18.4% 0.1%
AFFINITY PLUS $1,380,000 $505,000 -63.4% 0.1%
NEW DAY FINANCIAL, LLC $950,000 $500,000 -47.4% 0.1%
Citizens State Bank $485,000 n/a 0.1%
UNIVERSAL LENDING CORPORATION $885,000 $485,000 -45.2% 0.1%
GUILD MORTGAGE COMPANY $85,000 $470,000 452.9% 0.1%
Armed Forces Bank $465,000 n/a 0.1%
Bank Five Nine $460,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $400,000 $450,000 12.5% 0.1%
PLAZA HOME MORTGAGE, INC. $175,000 $440,000 151.4% 0.1%
Prevail Bank $425,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $405,000 n/a 0.1%
Oregon Community Bank $240,000 $405,000 68.8% 0.1%
BEST CAPITAL FUNDING $225,000 $385,000 71.1% 0.0%
SPRING EQ, LLC $380,000 n/a 0.0%
The Park Bank $375,000 n/a 0.0%
Tradition Mortgage, LLC $250,000 $370,000 48.0% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $740,000 $365,000 -50.7% 0.0%
Settlers Bank $365,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $360,000 n/a 0.0%
VERIDIAN CREDIT UNION $115,000 $355,000 208.7% 0.0%
Luana Savings Bank $225,000 $350,000 55.6% 0.0%
NORTHWEST BANK OF ROCKFORD $345,000 n/a 0.0%
Citizens Bank $270,000 $335,000 24.1% 0.0%
Kohler Credit Union $335,000 n/a 0.0%
Republic Bank & Trust Company $335,000 n/a 0.0%
Equity Prime Mortgage LLC $325,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $770,000 $315,000 -59.1% 0.0%
Foresight Bank $315,000 n/a 0.0%
KeyBank $315,000 n/a 0.0%
Frandsen Bank & Trust $745,000 $305,000 -59.1% 0.0%
Mid-Continent Funding, Inc. $235,000 $305,000 29.8% 0.0%
AMERICAN FINANCING CORPORATION $515,000 $300,000 -41.7% 0.0%
Carrington Mortgage Services, LLC $1,580,000 $300,000 -81.0% 0.0%
EDUCATORS CREDIT UNION $350,000 $295,000 -15.7% 0.0%
UNION HOME MORTGAGE CORP. $295,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $285,000 n/a 0.0%
Deerwood Bank $285,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $165,000 $285,000 72.7% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $285,000 n/a 0.0%
Minnwest Bank $855,000 $280,000 -67.3% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $155,000 $275,000 77.4% 0.0%
CoVantage Credit Union $500,000 $260,000 -48.0% 0.0%
BLUELEAF LENDING, LLC $255,000 n/a 0.0%
Tomahawk Community Bank SSB $255,000 n/a 0.0%
CMG MORTGAGE, INC. $475,000 $245,000 -48.4% 0.0%
Heritage Bank $665,000 $245,000 -63.2% 0.0%
WESTconsin Credit Union $185,000 $245,000 32.4% 0.0%
Baxter Credit Union $235,000 n/a 0.0%
EMM LOANS LLC $400,000 $235,000 -41.3% 0.0%
A + MORTGAGE SERVICES, INC. $225,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $245,000 $225,000 -8.2% 0.0%
DUPACO COMMUNITY $75,000 $215,000 186.7% 0.0%
Heartland Credit Union (Madison) $215,000 n/a 0.0%
Bank of America $520,000 $205,000 -60.6% 0.0%
Forward Bank $205,000 n/a 0.0%
Bay Bank $195,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $160,000 $195,000 21.9% 0.0%
Bank Iowa $185,000 n/a 0.0%
National Bank of Commerce $195,000 $185,000 -5.1% 0.0%
ENVOY MORTGAGE, LTD $85,000 $175,000 105.9% 0.0%
The Bank of New Glarus $85,000 $175,000 105.9% 0.0%
Discover Bank $150,000 $170,000 13.3% 0.0%
Dairy State Bank $165,000 n/a 0.0%
MOVEMENT MORTGAGE, LLC $165,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $165,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $800,000 $165,000 -79.4% 0.0%
CRESCENT MORTGAGE COMPANY $155,000 n/a 0.0%
F & M Community Bank $220,000 $145,000 -34.1% 0.0%
Mound City Bank $205,000 $145,000 -29.3% 0.0%
The Peoples Community Bank $175,000 $145,000 -17.1% 0.0%
American Mortgage & Equity Consultants, Inc. $145,000 $135,000 -6.9% 0.0%
IDEAL $135,000 n/a 0.0%
National Exchange Bank and Trust $135,000 n/a 0.0%
TOPLINE FEDERAL CREDIT UNION $135,000 n/a 0.0%
ADVIA $130,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $125,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $125,000 n/a 0.0%
Transportation Federal Credit Union $125,000 n/a 0.0%
Centier Bank $115,000 n/a 0.0%
PNC Bank $115,000 n/a 0.0%
THRIVENT Federal Credit Union $115,000 n/a 0.0%
VILLAGE CAPITAL MORTGAGE $720,000 $115,000 -84.0% 0.0%
Community Resource Bank $105,000 n/a 0.0%
First Alliance Credit Union $105,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $930,000 $105,000 -88.7% 0.0%
LENDINGHOME FUNDING CORPORATION $95,000 n/a 0.0%
Plains Commerce Bank $85,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $140,000 $85,000 -39.3% 0.0%
American Federal Bank $75,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $75,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $65,000 $75,000 15.4% 0.0%
Service Federal Credit Union $55,000 n/a 0.0%
Figure Lending LLC $135,000 $25,000 -81.5% 0.0%
Landmark Credit Union $205,000 $15,000 -92.7% 0.0%

LA CROSSE - ONALASKA's top lender by overall market share is ALTRA, with 31.8% market share. In second place, with 6.6%, is Merchants Bank, having originated $52,815,000 in loans. In third place, with 5.8%, is River Bank, having originated $45,955,000 in loans. In fourth place, with 3.5%, is Citizens State Bank of La Crosse, having originated $27,760,000 in loans. In fifth place, with 3.3%, is State Bank Financial, having originated $26,550,000 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 $219,900 (5.0%) $262,148 (-3.0%) 0.82 283
2018-02-01 $237,400 (13.9%) $281,065 (3.4%) 0.86 272
2018-03-01 $239,900 (19.3%) $292,557 (8.4%) 0.84 270
2018-04-01 $256,575 (24.6%) $310,117 (15.3%) 0.87 274
2018-05-01 $249,900 (12.4%) $316,174 (15.8%) 0.83 314
2018-06-01 $244,900 (7.9%) $320,217 (16.7%) 0.82 357
2018-07-01 $242,400 (3.2%) $316,935 (11.7%) 0.81 379
2018-08-01 $243,900 (9.1%) $315,739 (15.5%) 0.82 395
2018-09-01 $249,900 (13.6%) $318,044 (16.9%) 0.84 387
2018-10-01 $249,500 (15.7%) $311,795 (18.0%) 0.85 368
2018-11-01 $244,175 (17.1%) $306,820 (20.9%) 0.83 338
2018-12-01 $240,000 (11.7%) $312,105 (25.0%) 0.83 291
2019-01-01 $244,500 (11.2%) $312,616 (19.3%) 0.84 239
2019-02-01 $256,175 (7.9%) $319,520 (13.7%) 0.87 233
2019-03-01 $259,900 (8.3%) $323,229 (10.5%) 0.85 245
2019-04-01 $259,900 (1.3%) $323,213 (4.2%) 0.83 286
2019-05-01 $259,425 (3.8%) $325,859 (3.1%) 0.81 310
2019-06-01 $249,900 (2.0%) $315,335 (-1.5%) 0.78 389
2019-07-01 $251,150 (3.6%) $315,601 (-0.4%) 0.79 397
2019-08-01 $249,900 (2.5%) $312,735 (-1.0%) 0.79 400
2019-09-01 $249,900 (0.0%) $308,084 (-3.1%) 0.80 407
2019-10-01 $249,900 (0.2%) $303,929 (-2.5%) 0.81 406
2019-11-01 $249,900 (2.3%) $303,095 (-1.2%) 0.82 361
2019-12-01 $249,900 (4.1%) $295,001 (-5.5%) 0.83 322
2020-01-01 $247,850 (1.4%) $290,788 (-7.0%) 0.83 278
2020-02-01 $259,900 (1.5%) $310,798 (-2.7%) 0.85 258
2020-03-01 $259,225 (-0.3%) $308,035 (-4.7%) 0.81 277
2020-04-01 $269,900 (3.9%) $314,019 (-2.8%) 0.85 273
2020-05-01 $265,000 (2.2%) $307,901 (-5.5%) 0.81 276
2020-06-01 $274,925 (10.0%) $311,548 (-1.2%) 0.81 286
2020-07-01 $288,085 (14.7%) $323,434 (2.5%) 0.84 290
2020-08-01 $269,900 (8.0%) $307,371 (-1.7%) 0.77 296
2020-09-01 $246,925 (-1.2%) $291,244 (-5.5%) 0.71 275
2020-10-01 $243,500 (-2.6%) $290,028 (-4.6%) 0.70 240
2020-11-01 $245,975 (-1.6%) $297,684 (-1.8%) 0.72 212
2020-12-01 $234,375 (-6.2%) $300,642 (1.9%) 0.70 178
2021-01-01 $250,500 (1.1%) $321,980 (10.7%) 0.75 127
2021-02-01 $266,150 (2.4%) $337,261 (8.5%) 0.78 123
2021-03-01 $292,400 (12.8%) $332,835 (8.1%) 0.83 120
2021-04-01 $304,475 (12.8%) $348,565 (11.0%) 0.82 120
2021-05-01 $315,800 (19.2%) $344,918 (12.0%) 0.84 124
2021-06-01 $304,675 (10.8%) $337,960 (8.5%) 0.80 129
2021-07-01 $286,250 (-0.6%) $326,439 (0.9%) 0.76 161
2021-08-01 $288,900 (7.0%) $329,973 (7.4%) 0.77 169
2021-09-01 $274,825 (11.3%) $320,321 (10.0%) 0.73 188
2021-10-01 $295,000 (21.2%) $323,815 (11.7%) 0.79 180
2021-11-01 $294,950 (19.9%) $323,443 (8.7%) 0.79 150
2021-12-01 $282,475 (20.5%) $329,298 (9.5%) 0.77 150
2022-01-01 $304,950 (21.7%) $341,480 (6.1%) 0.82 116
2022-02-01 $299,950 (12.7%) $342,124 (1.4%) 0.78 93
2022-03-01 $312,425 (6.9%) $361,655 (8.7%) 0.78 94
2022-04-01 $324,900 (6.7%) $370,716 (6.4%) 0.77 98
2022-05-01 $329,300 (4.3%) $384,194 (11.4%) 0.75 128
2022-06-01 $324,225 (6.4%) $382,388 (13.2%) 0.72 144
2022-07-01 $324,900 (13.5%) $386,071 (18.3%) 0.73 158
2022-08-01 $341,875 (18.3%) $400,422 (21.4%) 0.79 168
2022-09-01 $352,400 (28.2%) $398,621 (24.4%) 0.82 168
2022-10-01 $359,900 (22.0%) $398,639 (23.1%) 0.85 168
2022-11-01 $356,500 (20.9%) $372,384 (15.1%) 0.86 159
2022-12-01 $365,000 (29.2%) $376,665 (14.4%) 0.90 133
2023-01-01 $359,900 (18.0%) $375,788 (10.1%) 0.89 113
2023-02-01 $364,900 (21.7%) $375,825 (9.9%) 0.88 104
2023-03-01 $334,484 (7.1%) $351,221 (-2.9%) 0.79 112
2023-04-01 $359,900 (10.8%) $372,925 (0.6%) 0.84 124
2023-05-01 $342,400 (4.0%) $372,757 (-3.0%) 0.78 133
2023-06-01 $337,400 (4.1%) $385,689 (0.9%) 0.76 138
2023-07-01 $329,000 (1.3%) $383,523 (-0.7%) 0.75 135
2023-08-01 $355,833 (4.1%) $399,859 (-0.1%) 0.82 150
2023-09-01 $329,000 (-6.6%) $386,503 (-3.0%) 0.77 154
2023-10-01 $333,425 (-7.4%) $381,301 (-4.4%) 0.78 165
LA CROSSE - ONALASKA's median listing price for 2023-10-01 was $333,425, a difference of $-26,475 (-7.4%) versus the prior year and $4,425 versus the prior month.

LA CROSSE - ONALASKA's median listing price comes in at 78% of the national average.

LA CROSSE - ONALASKA's average listing price for 2023-10-01 was $381,301, a difference of $-17,338 (-4.4%) versus the prior year and $-5,202 versus the prior month.

For the 2023-10-01 period, LA CROSSE - ONALASKA had 165 MLS listings, a difference of 11 listings (7%) versus the prior month and -3 listings (-2%) 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 73 days 1,921 sqft
2018-02-01 70 days 1,980 sqft
2018-03-01 51 days 1,951 sqft
2018-04-01 39 days 2,080 sqft
2018-05-01 35 days 2,039 sqft
2018-06-01 37 days 2,097 sqft
2018-07-01 41 days 2,114 sqft
2018-08-01 41 days 2,181 sqft
2018-09-01 46 days 2,211 sqft
2018-10-01 51 days 2,214 sqft
2018-11-01 58 days 2,200 sqft
2018-12-01 68 days 2,130 sqft
2019-01-01 77 days 1,988 sqft
2019-02-01 64 days 2,176 sqft
2019-03-01 50 days 2,162 sqft
2019-04-01 33 days 2,178 sqft
2019-05-01 32 days 2,156 sqft
2019-06-01 32 days 2,176 sqft
2019-07-01 37 days 2,132 sqft
2019-08-01 41 days 2,098 sqft
2019-09-01 43 days 2,065 sqft
2019-10-01 46 days 2,043 sqft
2019-11-01 54 days 2,013 sqft
2019-12-01 67 days 2,052 sqft
2020-01-01 80 days 2,067 sqft
2020-02-01 71 days 2,067 sqft
2020-03-01 44 days 2,066 sqft
2020-04-01 43 days 2,055 sqft
2020-05-01 51 days 2,036 sqft
2020-06-01 38 days 2,112 sqft
2020-07-01 42 days 2,279 sqft
2020-08-01 39 days 2,108 sqft
2020-09-01 41 days 1,910 sqft
2020-10-01 43 days 1,900 sqft
2020-11-01 45 days 1,846 sqft
2020-12-01 47 days 1,828 sqft
2021-01-01 54 days 1,852 sqft
2021-02-01 33 days 1,921 sqft
2021-03-01 24 days 1,943 sqft
2021-04-01 23 days 1,972 sqft
2021-05-01 19 days 1,973 sqft
2021-06-01 25 days 1,906 sqft
2021-07-01 21 days 1,835 sqft
2021-08-01 24 days 1,877 sqft
2021-09-01 31 days 1,902 sqft
2021-10-01 40 days 1,890 sqft
2021-11-01 44 days 1,926 sqft
2021-12-01 46 days 1,896 sqft
2022-01-01 58 days 2,000 sqft
2022-02-01 42 days 1,939 sqft
2022-03-01 13 days 1,885 sqft
2022-04-01 15 days 1,930 sqft
2022-05-01 14 days 1,915 sqft
2022-06-01 23 days 1,883 sqft
2022-07-01 23 days 1,880 sqft
2022-08-01 27 days 1,902 sqft
2022-09-01 34 days 1,963 sqft
2022-10-01 33 days 2,000 sqft
2022-11-01 42 days 2,008 sqft
2022-12-01 60 days 2,100 sqft
2023-01-01 72 days 1,942 sqft
2023-02-01 63 days 1,866 sqft
2023-03-01 31 days 1,865 sqft
2023-04-01 32 days 1,903 sqft
2023-05-01 31 days 1,880 sqft
2023-06-01 40 days 1,865 sqft
2023-07-01 44 days 1,872 sqft
2023-08-01 39 days 1,927 sqft
2023-09-01 39 days 1,892 sqft
2023-10-01 41 days 1,914 sqft
LA CROSSE - ONALASKA's median listing age (time on market) for 2023-10-01 was 41 days. This is 24% longer than the same period one year ago.

LA CROSSE - ONALASKA's median square footage for active listings during the 2023-10-01 period was 1,914 sqft. One year prior, the average listing was 2,000 sqft.

LA CROSSE-ONALASKA, WI-MN 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
54601 La Crosse-Onalaska, WI-MN $620 $730 $940 $1,310 $1,610
54602 La Crosse-Onalaska, WI-MN $620 $730 $940 $1,310 $1,610
54603 La Crosse-Onalaska, WI-MN $530 $620 $800 $1,120 $1,370
54614 La Crosse-Onalaska, WI-MN $540 $640 $820 $1,150 $1,400
54619 La Crosse-Onalaska, WI-MN $540 $640 $820 $1,150 $1,400
54623 La Crosse-Onalaska, WI-MN $600 $710 $910 $1,270 $1,560
54636 La Crosse-Onalaska, WI-MN $680 $790 $1,020 $1,430 $1,750
54642 La Crosse-Onalaska, WI-MN $610 $720 $920 $1,290 $1,570
54644 La Crosse-Onalaska, WI-MN $700 $830 $1,060 $1,480 $1,810
54650 La Crosse-Onalaska, WI-MN $660 $780 $1,000 $1,400 $1,710
54653 La Crosse-Onalaska, WI-MN $640 $760 $970 $1,360 $1,660
54656 La Crosse-Onalaska, WI-MN $620 $730 $940 $1,310 $1,610
54658 La Crosse-Onalaska, WI-MN $650 $760 $980 $1,370 $1,680
54661 La Crosse-Onalaska, WI-MN $620 $730 $940 $1,310 $1,610
54667 La Crosse-Onalaska, WI-MN $650 $760 $980 $1,370 $1,680
54669 La Crosse-Onalaska, WI-MN $660 $780 $1,000 $1,400 $1,710
55919 La Crosse-Onalaska, WI-MN $540 $630 $810 $1,130 $1,390
55921 La Crosse-Onalaska, WI-MN $520 $610 $790 $1,100 $1,370
55931 La Crosse-Onalaska, WI-MN $520 $610 $790 $1,100 $1,370
55941 La Crosse-Onalaska, WI-MN $590 $690 $890 $1,240 $1,520
55943 La Crosse-Onalaska, WI-MN $520 $610 $790 $1,100 $1,370
55947 La Crosse-Onalaska, WI-MN $600 $700 $900 $1,260 $1,540
55954 La Crosse-Onalaska, WI-MN $680 $680 $900 $1,230 $1,370
55971 La Crosse-Onalaska, WI-MN $660 $670 $880 $1,200 $1,370
55974 La Crosse-Onalaska, WI-MN $530 $620 $800 $1,120 $1,370

2022 Average & Median Rent Data Statistics
LA CROSSE-ONALASKA, WI-MN average 1BR rent: $701, median: $710
LA CROSSE-ONALASKA, WI-MN average 2BR rent: $904, median: $910
LA CROSSE-ONALASKA, WI-MN average 3BR rent: $1,260, median: $1,270

LA CROSSE-ONALASKA, WI-MN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,795 $495,515,000 $276,053
Refi 702 $147,830,000 $210,584
Cash Out Refi 531 $97,575,000 $183,757
Home Improvement 523 $29,755,000 $56,893
Other 354 $26,350,000 $74,435

La Crosse - Onalaska's most frequently cited loan purpose was Home Purchase, with 1,795 originations. The 2nd most popular reason was Refi, with 702 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 886 $187,640,000 $211,783
5-6% 768 $169,370,000 $220,534
4-5% 766 $180,710,000 $235,914
2.5-3% 532 $56,090,000 $105,432
6-7% 297 $62,205,000 $209,444
7-8% 90 $12,620,000 $140,222
<2.5% 89 $14,395,000 $161,742
Over 8% 66 $3,620,000 $54,848

During 2022, La Crosse - Onalaska's most frequently originated rate bucket was 3-4%, with 886 originations.

Loan Sizing (LA CROSSE-ONALASKA, WI-MN MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 1,255 $59,795,000 $47,645
$100k-200k 1,209 $180,015,000 $148,896
$200k-400k 1,161 $318,955,000 $274,724
$400k-600k 187 $87,775,000 $469,385
$600k-1000k 57 $42,085,000 $738,333
$Over $1MM 36 $108,400,000 $3,011,111

LA CROSSE - ONALASKA's loan sizing saw the bucket of loans from $100,000 or less with 1,255 originations, totaling $59,795,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,245 $330,835,000 $265,731
60-80% 760 $200,670,000 $264,039
Under 20% 623 $25,585,000 $41,067
20-40% 461 $46,635,000 $101,161
40-60% 379 $75,165,000 $198,325
Over 100% 20 $6,120,000 $306,000

LA CROSSE - ONALASKA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,245 originations, totaling $330,835,000 in origination value.