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.).
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.
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.
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.
