LA CROSSE - ONALASKA Mortgage Rates

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

30 Year Fixed Rate mortgages in La Crosse - Onalaska averaged 6% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.91% and one month ago for the week of 2022-05-26, the average rate was 5.4%.

La Crosse - Onalaska's average rate one year ago was 3.03%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.97%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
La Crosse - Onalaska 30 Year Fixed Rate 2022-06-30 6%
La Crosse - Onalaska 30 Year Fixed Rate Refi 2022-06-30 5.97%
La Crosse - Onalaska 15 Year Fixed Rate 2022-06-30 5.1%
La Crosse - Onalaska 15 Year Fixed Rate Refi 2022-06-30 4.85%
La Crosse - Onalaska 30 Year FHA 2022-06-30 5.91%
La Crosse - Onalaska 30 Year FHA Refi 2022-06-30 5.53%
La Crosse - Onalaska 30 Year USDA 2022-06-30 5.68%
La Crosse - Onalaska 30 Year USDA Refi 2022-06-30 5.47%
La Crosse - Onalaska 30 Year VA 2022-06-30 5.92%
La Crosse - Onalaska 30 Year VA Refi 2022-06-30 5.15%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
ALTRA 891 3.17% $1,840
Servion, Inc. 193 2.99% $1,866
Merchants Bank 184 3.10% $2,066
Coulee Bank 100 2.94% $2,587
Citizens State Bank of La Crosse 82 3.29% $2,008
Associated Bank 72 3.01% $2,148
QUICKEN LOANS, LLC 67 3.16% $4,397
LAND HOME FINANCIAL SERVICES, INC. 57 3.24% $4,325
Wells Fargo Bank 40 3.11% $2,897
WNB Financial, N.A. 35 3.17% $2,732
VERVE, A CREDIT UNION 33 3.28% $1,707
Bremer Bank 32 3.12% $3,123
U.S. Bank 29 3.05% $2,574
Home Federal Savings Bank 25 3.19% $2,576
Bankers' Bank 18 3.15% $2,166
Firefighters Credit Union 14 3.85% $1,789
LOANDEPOT.COM, LLC 14 3.06% $4,148
CO-OP Credit Union 12 3.28% $1,840
First Federal Bank 12 2.96% $3,368
INLANTA MORTGAGE, INC. 12 3.09% $2,339
FREEDOM MORTGAGE CORPORATION 12 3.09% $2,669
EVERETT FINANCIAL, INC. 12 3.34% $1,663
University of Wisconsin Credit Union 10 2.81% $2,980
Prosperity Home Mortgage, LLC 9 3.07% $3,162
UNITED WHOLESALE MORTGAGE, LLC 8 2.98% $3,574
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 2.95% $3,372
BROKER SOLUTIONS, INC. 8 3.24% $3,261
The Huntington National Bank 7 2.86% $3,064
PENNYMAC LOAN SERVICES, LLC 7 3.46% $4,411
BMO Harris Bank 7 3.38% $2,983
NAVY FEDERAL CREDIT UNION 7 3.84% $2,553
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 2.98% $3,703
MARINE 6 9.02% $4,115
GUARANTEED RATE, INC. 6 3.02% $3,365
Bank First, N.A. 6 3.31% $2,221
Mr. Cooper ( Nationstar Mortgage ) 6 3.42% $3,304
Royal Bank 4 3.06% $2,744
DAS Acquisition Company, LLC 4 3.25% $2,590
AFFINITY PLUS 4 2.84% $3,978
PARKSIDE LENDING, LLC 4 3.12% $2,729
The Federal Savings Bank 4 3.03% $3,052
BETTER MORTGAGE CORPORATION 4 2.75% $2,325
Bell Bank 4 3.00% $3,418
CALIBER HOME LOANS, INC. 3 2.98% $4,513
HANCOCK MORTGAGE PARTNERS, LLC 3 3.33% $3,824
JPMorgan Chase Bank 3 3.21% $2,019
KELLER MORTGAGE, LLC 3 3.21% $1,691
Citizens Community Federal 3 3.21% $2,389
Stifel Bank and Trust 3 2.96% $2,354
Summit Credit Union 3 2.83% $2,240
CHERRY CREEK MORTGAGE, LLC 3 3.50% $681
THOMPSON KANE & COMPANY, LLC 3 3.50% $2,827
Bank of the West 3 3.17% $3,235
AMERISAVE MORTGAGE CORPORATION 3 2.91% $2,832
ZILLOW HOME LOANS, LLC 2 2.75% $2,828
AMERICAN FINANCIAL NETWORK, INC. 2 3.06% $11,127
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.38% $3,937
AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 3.56% $3,377
Bank of America 2 2.50% $2,891
Carrington Mortgage Services, LLC 2 3.06% $4,123
EDUCATORS CREDIT UNION 2 3.06% $1,476
EMM LOANS LLC 2 3.12% $5,063
Fidelity Bank 2 3.13% $2,583
FINANCE OF AMERICA MORTGAGE LLC 2 3.31% $3,008
Flagstar Bank, FSB 2 2.85% $2,673
HOME POINT FINANCIAL CORPORATION 2 3.62% $3,038
Hometown Bank 2 2.81% $1,200
Johnson Bank 2 3.00% $2,575
LAKEVIEW LOAN SERVICING, LLC 2 3.44% $3,441
MAYO EMPLOYEES FEDERAL CREDIT UNION 2 3.13% $4,429
NEWREZ LLC 2 3.06% $2,484
Northpointe Bank 2 2.93% $1,690
Royal Credit Union 2 3.13% $0
TIAA, FSB 2 2.93% $2,897
Tradition Mortgage, LLC 2 3.13% $2,108
Goldwater Bank, N.A. 1 3.38% $3,731
Landmark Credit Union 1 3.00% $1,895
LENDERFI, INC. 1 2.99% $1,238
Frandsen Bank & Trust 1 2.55% $5,203
FOX COMMUNITIES 1 2.75% $895
Waterstone Mortgage Corporation 1 3.25% $3,143
First Midwest Bank 1 3.00% $2,708
MID AMERICA MORTGAGE, INC. 1 3.25% $1,733
Midwest Community Bank 1 2.63% $1,973
MORTGAGE ACCESS CORP. 1 3.38% $3,090
Mortgage Research Center, LLC 1 3.25% $5,758
Mound City Bank 1 2.88% $2,490
First Horizon Bank 1 3.25% $3,523
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.88% $4,309
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.63% $1,975
Waukesha State Bank 1 3.63% $2,414
Nicolet National Bank 1 3.50% $3,459
Arvest Bank 1 3.00% $4,051
North Shore Bank FSB 1 2.88% $2,003
OAKTREE FUNDING CORP. 1 6.36% $3,576
Old National Bank 1 3.00% $2,423
ENVOY MORTGAGE, LTD 1 3.88% $2,124
Discover Bank 1 3.99% $0
PLAZA HOME MORTGAGE, INC. 1 2.88% $3,258
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.13% $2,079
CoVantage Credit Union 1 3.38% $2,725
COMPEER FINANCIAL, FLCA 1 4.50% $3,527
RESIDENTIAL BANCORP. 1 2.75% $2,405
RESULTS MORTGAGE, LLC 1 3.13% $3,508
COMPASS MORTGAGE, INC. 1 2.50% $2,991
WINGS FINANCIAL 1 2.63% $3,001
ROYAL UNITED MORTGAGE LLC 1 3.50% $5,098
SECURITYNATIONAL MORTGAGE COMPANY 1 4.50% $4,266
CMG MORTGAGE, INC. 1 3.38% $3,624
Citizens Bank 1 3.38% $3,439
Chicago Mortgage Solutions LLC 1 2.74% $1,460
Summit Mortgage Corporation 1 3.38% $2,801
TCF National Bank 1 3.25% $3,415
The Equitable Bank, S.S.B. 1 2.75% $2,093
Blackhawk Community Credit Union 1 3.25% $2,051
The Greenwood's State Bank 1 2.63% $951
BEST CAPITAL FUNDING 1 3.00% $2,041
The Peoples Community Bank 1 2.50% $3,885
BAY EQUITY LLC 1 3.50% $3,208
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.38% $3,774
TOWNE MORTGAGE COMPANY 1 2.88% $2,444
Ally Bank 1 3.00% $3,918
Triumph Bank 1 2.88% $2,931
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 3.50% $1,496
Union Savings Bank 1 2.88% $1,074
Barrington Bank & Trust Company, N.A. 1 2.75% $2,456
UNIVERSAL LENDING CORPORATION 1 2.88% $5,753
Heritage Bank 1 3.90% $6,076
Bank of Sun Prairie 1 2.63% $1,406
HOMESIDE FINANCIAL, LLC 1 3.38% $3,302
Bank of England 1 3.25% $3,704
GUARANTEED RATE AFFINITY, LLC 1 2.88% $804
Ixonia Bank 1 3.38% $2,529
VERIDIAN CREDIT UNION 1 2.88% $1,691
GSF Mortgage Corporation 1 3.50% $2,996
Great Southern Bank 1 3.15% $2,030
AXIA FINANCIAL, LLC 1 3.25% $4,466

LA CROSSE-ONALASKA, WI-MN's 137 lenders originated 6,737 loans during 2021. The total origination value was $1,345,675,000, with an average loan value of $199,744.

The top LA CROSSE - ONALASKA lender as defined by loan originations is ALTRA, with 891 loans originated. Their average total fees are $1,840, which is $26 lower than the next largest lender, Servion, Inc..

The lowest fee LA CROSSE - ONALASKA lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($1,663), VERVE, A CREDIT UNION ($1,707), Firefighters Credit Union ($1,789), CO-OP Credit Union ($1,840) and ALTRA ($1,840).

The lowest rate LA CROSSE - ONALASKA lenders (with over 10 loans originated) are University of Wisconsin Credit Union (2.81%), Coulee Bank (2.94%), First Federal Bank (2.96%), Servion, Inc. (2.99%) and Associated Bank (3.01%).

LA CROSSE-ONALASKA, WI-MN 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
ALTRA $465,650,000 $438,380,000 -5.9% 32.6%
River Bank $72,845,000 $107,110,000 47.0% 8.0%
Merchants Bank $114,150,000 $93,650,000 -18.0% 7.0%
Servion, Inc. $84,350,000 $71,805,000 -14.9% 5.3%
Citizens State Bank of La Crosse $87,880,000 $49,470,000 -43.7% 3.7%
Coulee Bank $52,445,000 $39,680,000 -24.3% 2.9%
Associated Bank $37,225,000 $33,560,000 -9.8% 2.5%
Park Bank $48,850,000 $31,805,000 -34.9% 2.4%
QUICKEN LOANS, LLC $27,535,000 $29,530,000 7.2% 2.2%
VERVE, A CREDIT UNION $15,790,000 $27,555,000 74.5% 2.0%
Wells Fargo Bank $19,175,000 $22,250,000 16.0% 1.7%
LAND HOME FINANCIAL SERVICES, INC. $13,510,000 $20,695,000 53.2% 1.5%
FREEDOM MORTGAGE CORPORATION $14,250,000 $19,830,000 39.2% 1.5%
First Midwest Bank $19,400,000 n/a 1.4%
U.S. Bank $12,775,000 $17,635,000 38.0% 1.3%
Firefighters Credit Union $7,690,000 $17,355,000 125.7% 1.3%
Bremer Bank $21,765,000 $17,025,000 -21.8% 1.3%
WNB Financial, N.A. $24,720,000 $15,970,000 -35.4% 1.2%
GOVERNMENTAL EMPLOYEES $16,510,000 $14,665,000 -11.2% 1.1%
Bluff View Bank $24,405,000 $14,055,000 -42.4% 1.0%
Charter Bank $12,405,000 n/a 0.9%
Home Federal Savings Bank $10,930,000 $10,180,000 -6.9% 0.8%
FOX COMMUNITIES $295,000 $9,830,000 3,232.2% 0.7%
Mortgage Research Center, LLC $11,075,000 $9,370,000 -15.4% 0.7%
Citizens Community Federal $15,385,000 $9,080,000 -41.0% 0.7%
MARINE $9,525,000 $7,595,000 -20.3% 0.6%
1st Community Credit Union $6,865,000 $7,225,000 5.2% 0.5%
University of Wisconsin Credit Union $6,125,000 $6,280,000 2.5% 0.5%
PENNYMAC LOAN SERVICES, LLC $3,775,000 $6,160,000 63.2% 0.5%
LOANDEPOT.COM, LLC $5,880,000 $6,120,000 4.1% 0.5%
UNITED WHOLESALE MORTGAGE, LLC $6,380,000 $5,835,000 -8.5% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $5,035,000 $5,600,000 11.2% 0.4%
Bankers' Bank $5,570,000 n/a 0.4%
Wisconsin River Bank $5,045,000 n/a 0.4%
INLANTA MORTGAGE, INC. $4,110,000 $4,765,000 15.9% 0.4%
EVERETT FINANCIAL, INC. $18,570,000 $4,725,000 -74.6% 0.4%
Prosperity Home Mortgage, LLC $2,880,000 $3,905,000 35.6% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,380,000 $3,895,000 182.2% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,085,000 $3,875,000 257.1% 0.3%
CO-OP Credit Union $6,690,000 $3,820,000 -42.9% 0.3%
BMO Harris Bank $3,570,000 $3,685,000 3.2% 0.3%
Capitol Bank $460,000 $3,475,000 655.4% 0.3%
BROKER SOLUTIONS, INC. $1,600,000 $3,365,000 110.3% 0.3%
GUARANTEED RATE, INC. $4,090,000 $3,285,000 -19.7% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,310,000 $2,855,000 117.9% 0.2%
First Federal Bank $5,585,000 $2,715,000 -51.4% 0.2%
NAVY FEDERAL CREDIT UNION $1,795,000 $2,440,000 35.9% 0.2%
Bank of the West $1,315,000 $2,350,000 78.7% 0.2%
The Huntington National Bank $1,245,000 $2,305,000 85.1% 0.2%
BETTER MORTGAGE CORPORATION $2,305,000 $2,240,000 -2.8% 0.2%
NEWREZ LLC $575,000 $2,130,000 270.4% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,155,000 $2,115,000 83.1% 0.2%
Royal Bank $1,800,000 $1,985,000 10.3% 0.1%
Bell Bank $885,000 $1,955,000 120.9% 0.1%
Bank First, N.A. $1,980,000 $1,920,000 -3.0% 0.1%
AMERISAVE MORTGAGE CORPORATION $1,315,000 $1,850,000 40.7% 0.1%
Flagstar Bank, FSB $1,335,000 $1,725,000 29.2% 0.1%
Summit Credit Union $1,890,000 $1,675,000 -11.4% 0.1%
DAS Acquisition Company, LLC $2,050,000 $1,650,000 -19.5% 0.1%
USAA Federal Savings Bank $5,640,000 $1,630,000 -71.1% 0.1%
Carrington Mortgage Services, LLC $790,000 $1,580,000 100.0% 0.1%
CALIBER HOME LOANS, INC. $1,385,000 $1,555,000 12.3% 0.1%
PARKSIDE LENDING, LLC $6,105,000 $1,555,000 -74.5% 0.1%
HOME POINT FINANCIAL CORPORATION $940,000 $1,450,000 54.3% 0.1%
AFFINITY PLUS $440,000 $1,380,000 213.6% 0.1%
The Federal Savings Bank $2,140,000 $1,375,000 -35.7% 0.1%
Royal Credit Union $775,000 $1,305,000 68.4% 0.1%
TIAA, FSB $960,000 $1,255,000 30.7% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $8,530,000 $1,160,000 -86.4% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $780,000 $1,145,000 46.8% 0.1%
MAYO EMPLOYEES FEDERAL CREDIT UNION $1,665,000 $1,085,000 -34.8% 0.1%
NEW DAY FINANCIAL, LLC $1,775,000 $950,000 -46.5% 0.1%
GUARANTEED RATE AFFINITY, LLC $880,000 $930,000 5.7% 0.1%
Sierra Pacific Mortgage Company, Inc. $900,000 n/a 0.1%
JPMorgan Chase Bank $1,210,000 $885,000 -26.9% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $765,000 $885,000 15.7% 0.1%
UNIVERSAL LENDING CORPORATION $1,240,000 $885,000 -28.6% 0.1%
Chicago Mortgage Solutions LLC $855,000 n/a 0.1%
Minnwest Bank $855,000 n/a 0.1%
KELLER MORTGAGE, LLC $205,000 $845,000 312.2% 0.1%
ZILLOW HOME LOANS, LLC $115,000 $800,000 595.7% 0.1%
Fidelity Bank $710,000 $775,000 9.2% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $205,000 $770,000 275.6% 0.1%
CLEARPATH LENDING $1,260,000 $750,000 -40.5% 0.1%
Frandsen Bank & Trust $215,000 $745,000 246.5% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $2,015,000 $740,000 -63.3% 0.1%
PLANET HOME LENDING, LLC $740,000 n/a 0.1%
The Miners National Bank of Eveleth $735,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $155,000 $720,000 364.5% 0.1%
BNC National Bank $790,000 $710,000 -10.1% 0.1%
HANCOCK MORTGAGE PARTNERS, LLC $675,000 n/a 0.1%
Heritage Bank $665,000 n/a 0.0%
Stifel Bank and Trust $620,000 $665,000 7.3% 0.0%
Arvest Bank $630,000 n/a 0.0%
CHERRY CREEK MORTGAGE, LLC $1,240,000 $625,000 -49.6% 0.0%
Magnolia Bank $625,000 n/a 0.0%
COMPEER FINANCIAL, FLCA $1,640,000 $605,000 -63.1% 0.0%
Laona State Bank $605,000 n/a 0.0%
Goldwater Bank, N.A. $600,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $780,000 $575,000 -26.3% 0.0%
HOMESIDE FINANCIAL, LLC $545,000 n/a 0.0%
Nicolet National Bank $335,000 $545,000 62.7% 0.0%
First International Bank & Trust $535,000 n/a 0.0%
Bank of America $675,000 $520,000 -23.0% 0.0%
GSF Mortgage Corporation $1,095,000 $520,000 -52.5% 0.0%
AMERICAN FINANCING CORPORATION $465,000 $515,000 10.8% 0.0%
CoVantage Credit Union $385,000 $500,000 29.9% 0.0%
NBKC BANK $1,130,000 $500,000 -55.8% 0.0%
MID AMERICA MORTGAGE, INC. $495,000 n/a 0.0%
THOMPSON KANE & COMPANY, LLC $715,000 $485,000 -32.2% 0.0%
CMG MORTGAGE, INC. $475,000 n/a 0.0%
Johnson Bank $745,000 $470,000 -36.9% 0.0%
Paramount Residential Mortgage Group, Inc. $1,160,000 $470,000 -59.5% 0.0%
Hometown Bank $460,000 n/a 0.0%
The Equitable Bank, S.S.B. $455,000 n/a 0.0%
COMPASS MORTGAGE, INC. $440,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $235,000 $440,000 87.2% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $435,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $735,000 $410,000 -44.2% 0.0%
Barrington Bank & Trust Company, N.A. $1,955,000 $400,000 -79.5% 0.0%
EMM LOANS LLC $105,000 $400,000 281.0% 0.0%
InterContinental Capital Group, Inc $395,000 n/a 0.0%
The Greenwood's State Bank $395,000 n/a 0.0%
PHH Mortgage Corporation $385,000 n/a 0.0%
Meridian Bank Corporation $375,000 n/a 0.0%
Northpointe Bank $370,000 n/a 0.0%
First Horizon Bank $355,000 n/a 0.0%
TCF National Bank $600,000 $355,000 -40.8% 0.0%
EDUCATORS CREDIT UNION $300,000 $350,000 16.7% 0.0%
CROSSCOUNTRY MORTGAGE, LLC $605,000 $340,000 -43.8% 0.0%
Bank of Sun Prairie $75,000 $335,000 346.7% 0.0%
Alerus Financial $345,000 $325,000 -5.8% 0.0%
BAY EQUITY LLC $320,000 n/a 0.0%
Florida Capital Bank $315,000 n/a 0.0%
INB $315,000 n/a 0.0%
WINGS FINANCIAL $95,000 $310,000 226.3% 0.0%
AXIA FINANCIAL, LLC $225,000 $305,000 35.6% 0.0%
Old National Bank $8,360,000 $290,000 -96.5% 0.0%
Wyndham Capital Mortgage, Inc. $275,000 n/a 0.0%
Citizens Bank $125,000 $270,000 116.0% 0.0%
Empower Credit Union $265,000 n/a 0.0%
LENDERFI, INC. $485,000 $265,000 -45.4% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $260,000 n/a 0.0%
FIDELITY BANK $255,000 n/a 0.0%
First State Bank and Trust $255,000 n/a 0.0%
Great Southern Bank $255,000 n/a 0.0%
North Shore Bank FSB $8,165,000 $250,000 -96.9% 0.0%
Tradition Mortgage, LLC $430,000 $250,000 -41.9% 0.0%
IOWA BANKERS MORTGAGE CORPORATION $245,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $225,000 $245,000 8.9% 0.0%
Oregon Community Bank $240,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $235,000 n/a 0.0%
Bank of England $195,000 $235,000 20.5% 0.0%
Horicon Bank $235,000 n/a 0.0%
Mid-Continent Funding, Inc. $235,000 n/a 0.0%
MORTGAGE ACCESS CORP. $235,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $235,000 n/a 0.0%
Union Savings Bank $235,000 n/a 0.0%
BEST CAPITAL FUNDING $225,000 n/a 0.0%
Luana Savings Bank $1,560,000 $225,000 -85.6% 0.0%
F & M Community Bank $600,000 $220,000 -63.3% 0.0%
First Guaranty Mortgage Corporation $215,000 n/a 0.0%
Summit Mortgage Corporation $915,000 $215,000 -76.5% 0.0%
Landmark Credit Union $12,090,000 $205,000 -98.3% 0.0%
Mound City Bank $340,000 $205,000 -39.7% 0.0%
Gateway First Bank $195,000 n/a 0.0%
Midwest Community Bank $195,000 n/a 0.0%
National Bank of Commerce $165,000 $195,000 18.2% 0.0%
RESIDENTIAL BANCORP. $195,000 n/a 0.0%
Triumph Bank $195,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $215,000 $185,000 -14.0% 0.0%
Northview Bank $185,000 n/a 0.0%
OAKTREE FUNDING CORP. $185,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $195,000 $185,000 -5.1% 0.0%
WESTconsin Credit Union $165,000 $185,000 12.1% 0.0%
CORNERSTONE HOME LENDING, INC. $145,000 $175,000 20.7% 0.0%
Manufacturers and Traders Trust Company $115,000 $175,000 52.2% 0.0%
PLAZA HOME MORTGAGE, INC. $175,000 n/a 0.0%
The Peoples Community Bank $310,000 $175,000 -43.5% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $415,000 $165,000 -60.2% 0.0%
HIWAY $190,000 $165,000 -13.2% 0.0%
TOTAL MORTGAGE SERVICES, LLC $255,000 $165,000 -35.3% 0.0%
Waterstone Mortgage Corporation $165,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $160,000 n/a 0.0%
Low VA Rates, LLC $155,000 n/a 0.0%
Mortgages Unlimited Inc. $155,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $235,000 $155,000 -34.0% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $155,000 n/a 0.0%
T2 FINANCIAL LLC $155,000 n/a 0.0%
Truist Bank $1,500,000 $155,000 -89.7% 0.0%
Discover Bank $215,000 $150,000 -30.2% 0.0%
American Mortgage & Equity Consultants, Inc. $11,275,000 $145,000 -98.7% 0.0%
Blackhawk Community Credit Union $145,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $55,000 $140,000 154.5% 0.0%
Figure Lending LLC $35,000 $135,000 285.7% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $135,000 n/a 0.0%
The First National Bank of River Falls $135,000 $135,000 0.0% 0.0%
Waukesha State Bank $125,000 n/a 0.0%
Kerndt Brothers Savings Bank $185,000 $115,000 -37.8% 0.0%
VERIDIAN CREDIT UNION $350,000 $115,000 -67.1% 0.0%
Ally Bank $225,000 $95,000 -57.8% 0.0%
Citizens Bank Minnesota $125,000 $95,000 -24.0% 0.0%
Dane County Credit Union $95,000 n/a 0.0%
ENVOY MORTGAGE, LTD $85,000 n/a 0.0%
GUILD MORTGAGE COMPANY $255,000 $85,000 -66.7% 0.0%
Ixonia Bank $85,000 n/a 0.0%
RESULTS MORTGAGE, LLC $170,000 $85,000 -50.0% 0.0%
The Bank of New Glarus $85,000 n/a 0.0%
DUPACO COMMUNITY $165,000 $75,000 -54.5% 0.0%
DELTA COMMUNITY CREDIT UNION $155,000 $65,000 -58.1% 0.0%
QUORUM FEDERAL CREDIT UNION $65,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $335,000 $65,000 -80.6% 0.0%
First Bank & Trust $25,000 n/a 0.0%

LA CROSSE - ONALASKA's top lender by overall market share is ALTRA, with 32.6% market share. In second place, with 8.0%, is River Bank, having originated $107,110,000 in loans. In third place, with 7.0%, is Merchants Bank, having originated $93,650,000 in loans. In third place, with 5.3%, is Servion, Inc., having originated $71,805,000 in loans. In third place, with 3.7%, is Citizens State Bank of La Crosse, having originated $49,470,000 in loans.


LA CROSSE-ONALASKA, WI-MN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 3,074 $606,540,000 $197,313
Home Purchase 1,986 $514,120,000 $258,872
Cash Out Refi 963 $183,945,000 $191,012
Other 360 $21,040,000 $58,444
Home Improvement 354 $20,030,000 $56,582

La Crosse - Onalaska's most frequently cited loan purpose was Refi, with 3,074 originations. The 2nd most popular reason was Home Purchase, with 1,986 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,725 $481,595,000 $176,732
3-4% 1,823 $400,245,000 $219,553
<2.5% 1,213 $223,785,000 $184,489
4-5% 221 $36,525,000 $165,271
5-6% 71 $6,835,000 $96,268
Over 8% 30 $1,850,000 $61,667
6-7% 29 $2,335,000 $80,517
7-8% 14 $1,020,000 $72,857

During 2021, La Crosse - Onalaska's most frequently originated rate bucket was 2.5-3%, with 2,725 originations.

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

Loan Size Originations Total Value Average Loan
$100k-200k 2,973 $441,175,000 $148,394
$200k-400k 1,898 $503,820,000 $265,448
$100,000 or less 1,550 $87,620,000 $56,529
$400k-600k 231 $108,935,000 $471,580
$600k-1000k 46 $34,280,000 $745,217
$Over $1MM 39 $169,845,000 $4,355,000

LA CROSSE - ONALASKA's loan sizing saw the bucket of loans from $100k-200k with 2,973 originations, totaling $441,175,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 2,173 $492,265,000 $226,537
80-100% 1,676 $388,960,000 $232,076
40-60% 1,024 $168,350,000 $164,404
Under 20% 568 $19,960,000 $35,141
20-40% 542 $52,230,000 $96,365
Over 100% 32 $10,000,000 $312,500

LA CROSSE - ONALASKA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,173 originations, totaling $492,265,000 in origination value.


Market Conditions (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 $227,400 (7.0%) $272,963 (-2.9%) 0.84 296
2018-02-01 $257,400 (19.9%) $290,858 (4.0%) 0.93 267
2018-03-01 $265,000 (27.6%) $307,644 (10.3%) 0.92 245
2018-04-01 $274,400 (24.7%) $341,463 (19.6%) 0.92 245
2018-05-01 $259,950 (13.1%) $350,215 (20.0%) 0.87 269
2018-06-01 $287,000 (23.5%) $373,314 (28.8%) 0.96 313
2018-07-01 $279,950 (16.7%) $372,403 (23.4%) 0.93 347
2018-08-01 $267,400 (17.6%) $375,423 (28.4%) 0.89 383
2018-09-01 $269,900 (17.6%) $370,692 (26.4%) 0.90 384
2018-10-01 $267,500 (21.1%) $365,629 (29.4%) 0.89 376
2018-11-01 $264,900 (22.5%) $352,014 (31.2%) 0.89 349
2018-12-01 $249,900 (13.6%) $346,628 (33.1%) 0.86 311
2019-01-01 $257,400 (13.2%) $357,624 (31.0%) 0.89 251
2019-02-01 $269,950 (4.9%) $364,531 (25.3%) 0.90 236
2019-03-01 $272,757 (2.9%) $362,845 (17.9%) 0.89 259
2019-04-01 $274,057 (-0.1%) $354,778 (3.9%) 0.86 405
2019-05-01 $269,900 (3.8%) $353,854 (1.0%) 0.83 303
2019-06-01 $267,500 (-6.8%) $354,707 (-5.0%) 0.82 351
2019-07-01 $263,950 (-5.7%) $341,734 (-8.2%) 0.82 382
2019-08-01 $259,900 (-2.8%) $332,451 (-11.5%) 0.82 386
2019-09-01 $254,900 (-5.6%) $318,806 (-14.0%) 0.81 397
2019-10-01 $259,900 (-2.8%) $330,116 (-9.7%) 0.83 397
2019-11-01 $259,900 (-1.9%) $327,791 (-6.9%) 0.84 363
2019-12-01 $252,450 (1.0%) $302,076 (-12.9%) 0.84 323
2020-01-01 $249,950 (-2.9%) $302,709 (-15.4%) 0.83 273
2020-02-01 $264,900 (-1.9%) $320,780 (-12.0%) 0.85 248
2020-03-01 $263,400 (-3.4%) $313,041 (-13.7%) 0.82 254
2020-04-01 $274,900 (0.3%) $321,435 (-9.4%) 0.86 245
2020-05-01 $284,900 (5.6%) $322,969 (-8.7%) 0.86 244
2020-06-01 $298,000 (11.4%) $328,748 (-7.3%) 0.87 245
2020-07-01 $299,300 (13.4%) $335,624 (-1.8%) 0.86 250
2020-08-01 $285,900 (10.0%) $324,871 (-2.3%) 0.82 243
2020-09-01 $277,450 (8.9%) $324,312 (1.7%) 0.79 225
2020-10-01 $254,000 (-2.3%) $317,107 (-3.9%) 0.73 197
2020-11-01 $249,900 (-3.9%) $318,459 (-2.9%) 0.72 175
2020-12-01 $252,237 (-0.1%) $326,179 (8.0%) 0.74 161
2021-01-01 $259,900 (4.0%) $331,024 (9.4%) 0.76 112
2021-02-01 $291,450 (10.0%) $350,017 (9.1%) 0.84 109
2021-03-01 $267,450 (1.5%) $334,396 (6.8%) 0.75 117
2021-04-01 $296,700 (7.9%) $344,255 (7.1%) 0.80 119
2021-05-01 $309,900 (8.8%) $343,715 (6.4%) 0.82 121
2021-06-01 $299,900 (0.6%) $344,347 (4.7%) 0.78 125
2021-07-01 $267,450 (-10.6%) $325,911 (-2.9%) 0.69 149
2021-08-01 $292,400 (2.3%) $336,747 (3.7%) 0.77 174
2021-09-01 $289,450 (4.3%) $329,237 (1.5%) 0.76 192
2021-10-01 $297,500 (17.1%) $328,919 (3.7%) 0.78 172
2021-11-01 $296,250 (18.6%) $323,835 (1.7%) 0.78 148
2021-12-01 $282,500 (12.0%) $334,840 (2.7%) 0.75 163
2022-01-01 $319,900 (23.1%) $348,191 (5.2%) 0.85 111
2022-02-01 $304,900 (4.6%) $384,032 (9.7%) 0.78 94
2022-03-01 $299,900 (12.1%) $398,793 (19.3%) 0.74 89
2022-04-01 $340,000 (14.6%) $415,734 (20.8%) 0.80 101
2022-05-01 $344,450 (11.2%) $427,869 (24.5%) 0.77 116
2022-06-01 $335,000 (11.7%) $419,904 (21.9%) 0.74 131
LA CROSSE - ONALASKA's median listing price for 2022-06-01 was $335,000, a difference of $35,100 (11.7%) versus the prior year and $-9,450 versus the prior month.

LA CROSSE - ONALASKA's median listing price comes in at 74% of the national average.

LA CROSSE - ONALASKA's average listing price for 2022-06-01 was $419,904, a difference of $75,557 (21.9%) versus the prior year and $-7,965 versus the prior month.

For the 2022-06-01 period, LA CROSSE - ONALASKA had 131 MLS listings, a difference of 15 listings (13%) versus the prior month and 6 listings (5%) 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 78 days 1,935 sqft
2018-02-01 85 days 2,077 sqft
2018-03-01 60 days 2,038 sqft
2018-04-01 52 days 2,103 sqft
2018-05-01 38 days 2,070 sqft
2018-06-01 38 days 2,288 sqft
2018-07-01 45 days 2,342 sqft
2018-08-01 42 days 2,342 sqft
2018-09-01 52 days 2,300 sqft
2018-10-01 61 days 2,293 sqft
2018-11-01 66 days 2,288 sqft
2018-12-01 77 days 2,176 sqft
2019-01-01 86 days 2,120 sqft
2019-02-01 77 days 2,224 sqft
2019-03-01 53 days 2,251 sqft
2019-04-01 37 days 2,276 sqft
2019-05-01 37 days 2,248 sqft
2019-06-01 37 days 2,336 sqft
2019-07-01 37 days 2,249 sqft
2019-08-01 52 days 2,189 sqft
2019-09-01 54 days 2,106 sqft
2019-10-01 51 days 2,118 sqft
2019-11-01 58 days 2,124 sqft
2019-12-01 68 days 2,056 sqft
2020-01-01 85 days 2,022 sqft
2020-02-01 81 days 2,064 sqft
2020-03-01 49 days 2,056 sqft
2020-04-01 51 days 2,032 sqft
2020-05-01 57 days 2,180 sqft
2020-06-01 46 days 2,315 sqft
2020-07-01 48 days 2,328 sqft
2020-08-01 47 days 2,144 sqft
2020-09-01 57 days 2,085 sqft
2020-10-01 53 days 2,000 sqft
2020-11-01 49 days 1,889 sqft
2020-12-01 54 days 1,889 sqft
2021-01-01 63 days 1,890 sqft
2021-02-01 31 days 1,990 sqft
2021-03-01 29 days 1,949 sqft
2021-04-01 24 days 1,959 sqft
2021-05-01 18 days 2,000 sqft
2021-06-01 28 days 1,924 sqft
2021-07-01 21 days 1,858 sqft
2021-08-01 22 days 1,914 sqft
2021-09-01 30 days 1,918 sqft
2021-10-01 44 days 1,950 sqft
2021-11-01 47 days 1,947 sqft
2021-12-01 43 days 1,923 sqft
2022-01-01 60 days 2,062 sqft
2022-02-01 72 days 2,040 sqft
2022-03-01 14 days 1,948 sqft
2022-04-01 16 days 1,973 sqft
2022-05-01 15 days 1,936 sqft
2022-06-01 22 days 1,961 sqft
LA CROSSE - ONALASKA's median listing age (time on market) for 2022-06-01 was 22 days. This is -23% shorter than the same period one year ago.

LA CROSSE - ONALASKA's median square footage for active listings during the 2022-06-01 period was 1,961 sqft. One year prior, the average listing was 1,924 sqft.