SHEBOYGAN Mortgage Rates

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

30 Year Fixed Rate mortgages in Sheboygan averaged 5.76% 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 6.27% and one month ago for the week of 2022-05-26, the average rate was 5.36%.

Sheboygan's average rate one year ago was 3.34%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.99%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Sheboygan 30 Year Fixed Rate 2022-06-30 5.76%
Sheboygan 30 Year Fixed Rate Refi 2022-06-30 5.99%
Sheboygan 15 Year Fixed Rate 2022-06-30 5.14%
Sheboygan 15 Year Fixed Rate Refi 2022-06-30 4.88%
Sheboygan 30 Year FHA 2022-06-30 5.85%
Sheboygan 30 Year FHA Refi 2022-06-30 5.58%
Sheboygan 30 Year USDA 2022-06-30 5.75%
Sheboygan 30 Year USDA Refi 2022-06-30 6.17%
Sheboygan 30 Year VA 2022-06-30 5.82%
Sheboygan 30 Year VA Refi 2022-06-30 5.17%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SHEBOYGAN, WI.

SHEBOYGAN 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 SHEBOYGAN, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Bank First, N.A. 247 3.13% $1,741
QUICKEN LOANS, LLC 129 3.10% $4,279
CIBM Bank 128 3.01% $1,868
Kohler Credit Union 113 2.93% $2,145
Wells Fargo Bank 85 3.23% $2,361
Associated Bank 75 3.14% $2,084
National Exchange Bank and Trust 74 3.23% $1,495
BROKER SOLUTIONS, INC. 71 3.39% $2,695
Commerce State Bank 67 3.08% $1,636
U.S. Bank 60 3.08% $2,338
CHERRY CREEK MORTGAGE, LLC 54 3.19% $450
Bankers' Bank 53 3.15% $1,480
Flagstar Bank, FSB 52 3.14% $2,620
UNITEDONE Credit Union 47 3.26% $1,273
Johnson Bank 45 3.04% $2,116
The Port Washington State Bank 38 3.26% $2,519
ENVOY MORTGAGE, LTD 36 3.22% $3,359
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 31 3.12% $2,409
BMO Harris Bank 29 3.18% $2,871
Servion, Inc. 29 2.96% $2,038
TOWNE MORTGAGE COMPANY 27 3.43% $2,965
MARINE 25 8.84% $4,511
NEWREZ LLC 21 3.09% $2,470
UNITED WHOLESALE MORTGAGE, LLC 21 3.05% $2,631
WISCONSIN MORTGAGE CORPORATION 20 3.08% $2,324
Landmark Credit Union 20 3.27% $1,820
AMERISAVE MORTGAGE CORPORATION 19 2.85% $5,317
University of Wisconsin Credit Union 18 2.92% $2,677
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 16 3.08% $4,211
Mr. Cooper ( Nationstar Mortgage ) 15 3.33% $4,420
GUARANTEED RATE, INC. 15 3.02% $2,669
BETTER MORTGAGE CORPORATION 14 2.77% $2,191
LOANDEPOT.COM, LLC 14 3.07% $4,482
JPMorgan Chase Bank 13 3.16% $2,326
INLANTA MORTGAGE, INC. 12 3.17% $2,314
Bell Bank 12 3.21% $2,193
PARKSIDE LENDING, LLC 11 3.00% $2,714
First Federal Bank 10 3.14% $2,219
PLANET HOME LENDING, LLC 10 2.97% $2,557
EDUCATORS CREDIT UNION 8 2.97% $1,470
Prosperity Home Mortgage, LLC 8 3.11% $2,018
Bank Five Nine 8 3.33% $2,327
COMPEER FINANCIAL, FLCA 7 4.00% $3,424
FINANCE OF AMERICA MORTGAGE LLC 7 3.14% $2,880
PENNYMAC LOAN SERVICES, LLC 7 3.41% $5,843
CROSSCOUNTRY MORTGAGE, LLC 7 3.35% $4,048
Summit Credit Union 6 2.94% $4,186
Nicolet National Bank 6 3.53% $2,163
FIRST CENTENNIAL MORTGAGE CORPORATION 6 3.13% $2,551
Chicago Mortgage Solutions LLC 6 2.85% $1,079
Fox Valley Savings Bank 5 2.93% $1,027
Hometown Bank 5 2.98% $933
NAVY FEDERAL CREDIT UNION 5 3.33% $2,377
Mortgage Research Center, LLC 5 3.17% $2,280
UNION HOME MORTGAGE CORP. 5 3.43% $2,933
TOTAL MORTGAGE SERVICES, LLC 5 3.35% $3,159
Horicon Bank 5 2.90% $1,509
CALIBER HOME LOANS, INC. 5 2.77% $2,738
FIRST STATE MORTGAGE SERVICES, LLC 5 3.20% $2,913
Ally Bank 5 3.23% $1,990
Wyndham Capital Mortgage, Inc. 4 3.22% $1,381
CAPITAL Credit Union 4 3.03% $1,843
Citizens Bank 4 2.94% $3,344
Barrington Bank & Trust Company, N.A. 4 3.09% $1,974
Bank of America 4 2.75% $3,181
Bank of England 4 3.41% $2,856
First Bank & Trust 4 3.19% $2,520
Westbury Bank 4 3.06% $1,883
American Mortgage & Equity Consultants, Inc. 4 3.22% $2,094
PNC Bank 3 3.38% $2,361
CoVantage Credit Union 3 2.91% $3,520
Denmark State Bank 3 3.13% $1,764
ROYAL UNITED MORTGAGE LLC 3 3.63% $5,902
A + MORTGAGE SERVICES, INC. 3 3.21% $1,667
The Huntington National Bank 3 3.31% $2,566
Paramount Residential Mortgage Group, Inc. 3 3.38% $1,696
Morgan Stanley Private Bank 3 2.58% $2,284
GSF Mortgage Corporation 3 3.04% $2,611
Ixonia Bank 3 3.04% $2,595
NATIONS RELIABLE LENDING, LLC 3 3.04% $2,560
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.13% $3,701
AFFINITY PLUS 2 2.81% $3,169
AMERICAN FINANCIAL NETWORK, INC. 2 2.94% $8,059
Bank of Deerfield 2 3.06% $1,921
CANOPY MORTGAGE, LLC 2 3.19% $2,674
CMG MORTGAGE, INC. 2 3.06% $2,321
COMPASS MORTGAGE, INC. 2 2.94% $2,892
EMBRACE HOME LOANS, INC. 2 3.62% $6,604
Fifth Third Bank 2 3.50% $2,815
First-Citizens Bank & Trust Company 2 3.31% $2,806
First Midwest Bank 2 3.13% $2,545
FOX COMMUNITIES 2 3.13% $1,725
GUILD MORTGAGE COMPANY 2 3.13% $7,099
HOME POINT FINANCIAL CORPORATION 2 2.94% $1,201
HOMESIDE FINANCIAL, LLC 2 3.31% $3,232
Manufacturers and Traders Trust Company 2 3.50% $4,589
NBKC BANK 2 3.12% $1,668
North Shore Bank FSB 2 2.94% $1,862
Old National Bank 2 3.00% $2,761
PHH Mortgage Corporation 2 3.50% $6,052
SPRING EQ, LLC 2 2.69% $0
State Bank of Cross Plains 2 2.94% $1,668
Summit Mortgage Corporation 2 4.00% $4,604
SUN WEST MORTGAGE COMPANY, INC. 2 3.13% $2,945
The Equitable Bank, S.S.B. 2 2.94% $1,865
The Federal Savings Bank 2 3.19% $3,658
Tri City National Bank 2 3.31% $2,141
Goldwater Bank, N.A. 1 2.75% $10,507
Northpointe Bank 1 2.63% $2,497
VAN DYK MORTGAGE CORPORATION 1 3.13% $2,729
NORTHWESTERN MUTUAL 1 2.95% $535
VERITAS FUNDING, LLC 1 3.25% $8,025
Glacier Hills Credit Union 1 3.75% $1,193
Gateway First Bank 1 4.50% $2,797
Forward Bank 1 3.09% $2,666
PENTAGON FEDERAL CREDIT UNION 1 2.63% $2,669
Waterstone Mortgage Corporation 1 3.50% $2,636
First National Bank of America 1 8.50% $8,321
First Guaranty Mortgage Corporation 1 2.63% $2,307
FirstBank 1 2.88% $1,251
PyraMax Bank, FSB 1 2.63% $1,184
DRAPER AND KRAMER MORTGAGE CORP. 1 2.63% $2,539
Raymond James Bank 1 2.75% $4,042
RESIDENTIAL BANCORP. 1 2.99% $3,030
Discover Bank 1 3.99% $0
RUOFF MORTGAGE COMPANY, INC. 1 4.00% $2,210
SECURITYNATIONAL MORTGAGE COMPANY 1 4.13% $5,610
DELMAR FINANCIAL COMPANY 1 2.50% $3,992
Settlers Bank 1 2.88% $2,538
SOFI LENDING CORP. 1 3.63% $2,109
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.88% $20,360
Ameris Bank 1 3.75% $2,886
STEARNS LENDING, LLC 1 2.38% $3,406
SUCCESS MORTGAGE PARTNERS, INC. 1 3.50% $2,191
DAS Acquisition Company, LLC 1 2.50% $5,596
WESTconsin Credit Union 1 3.00% $2,871
AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.88% $2,082
WNB Financial, N.A. 1 3.38% $2,958
AMERICAN FINANCING CORPORATION 1 3.25% $3,200
Coulee Bank 1 2.50% $2,213
CORNERSTONE HOME LENDING, INC. 1 3.50% $2,965
THRIVENT Federal Credit Union 1 3.13% $3,020
Community First Credit Union 1 3.13% $1,762
COMMUNITYAMERICA 1 3.88% $3,038
Tradition Mortgage, LLC 1 4.38% $2,147
ZILLOW HOME LOANS, LLC 1 3.25% $2,053
Citadel Servicing Corporation 1 4.00% $5,395
UNITED HOME LOANS, INC. 1 3.13% $2,532
Charles Schwab Bank, SSB 1 2.30% $2,726
CELEBRITY HOME LOANS, LLC 1 3.13% $3,250
BLUELEAF LENDING, LLC 1 3.00% $3,048
USAA Federal Savings Bank 1 3.25% $2,232
LIBERTY HOME MORTGAGE CORPORATION 1 3.25% $4,166
LAKEVIEW LOAN SERVICING, LLC 1 4.13% $2,500
MORTGAGE ACCESS CORP. 1 3.13% $5,667
KELLER MORTGAGE, LLC 1 2.88% $723
InterContinental Capital Group, Inc 1 3.25% $6,920
IncredibleBank 1 2.75% $1,479
HOMESTEAD FUNDING CORP. 1 3.25% $2,685
Home Federal Savings Bank 1 3.25% $468
GUARANTEED RATE AFFINITY, LLC 1 3.25% $2,728
Blackhawk Bank 1 3.00% $2,434
Great Midwest Bank, S.S.B. 1 2.95% $1,301

SHEBOYGAN, WI's 163 lenders originated 5,710 loans during 2021. The total origination value was $997,480,000, with an average loan value of $174,690.

The top SHEBOYGAN lender as defined by loan originations is Bank First, N.A., with 247 loans originated. Their average total fees are $1,741, which is $2,538 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee SHEBOYGAN lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($450), UNITEDONE Credit Union ($1,273), Bankers' Bank ($1,480), National Exchange Bank and Trust ($1,495) and Commerce State Bank ($1,636).

The lowest rate SHEBOYGAN lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.77%), AMERISAVE MORTGAGE CORPORATION (2.85%), University of Wisconsin Credit Union (2.92%), Kohler Credit Union (2.93%) and Servion, Inc. (2.96%).

SHEBOYGAN, WI Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Bank First, N.A. $111,430,000 $110,395,000 -0.9% 11.1%
Oostburg State Bank $54,805,000 $52,280,000 -4.6% 5.2%
Kohler Credit Union $43,520,000 $49,955,000 14.8% 5.0%
QUICKEN LOANS, LLC $40,875,000 $49,895,000 22.1% 5.0%
Cleveland State Bank $49,125,000 $35,070,000 -28.6% 3.5%
Commerce State Bank $33,555,000 $34,815,000 3.8% 3.5%
U.S. Bank $34,650,000 $33,850,000 -2.3% 3.4%
Wells Fargo Bank $23,635,000 $32,265,000 36.5% 3.2%
National Exchange Bank and Trust $28,775,000 $29,980,000 4.2% 3.0%
Johnson Bank $36,540,000 $29,550,000 -19.1% 3.0%
CIBM Bank $26,980,000 $29,455,000 9.2% 3.0%
Associated Bank $28,455,000 $27,250,000 -4.2% 2.7%
BROKER SOLUTIONS, INC. $14,275,000 $20,310,000 42.3% 2.0%
Bankers' Bank $19,060,000 n/a 1.9%
Collins State Bank $24,675,000 $18,345,000 -25.7% 1.8%
Flagstar Bank, FSB $25,995,000 $15,445,000 -40.6% 1.5%
ENVOY MORTGAGE, LTD $19,950,000 $15,215,000 -23.7% 1.5%
WALKER & DUNLOP, LLC $14,940,000 n/a 1.5%
CHERRY CREEK MORTGAGE, LLC $14,810,000 $14,645,000 -1.1% 1.5%
The Port Washington State Bank $9,850,000 $14,335,000 45.5% 1.4%
UNITEDONE Credit Union $12,655,000 $13,680,000 8.1% 1.4%
BMO Harris Bank $8,870,000 $13,140,000 48.1% 1.3%
Waldo State Bank $10,290,000 $12,125,000 17.8% 1.2%
NEWREZ LLC $4,390,000 $11,685,000 166.2% 1.2%
Servion, Inc. $9,675,000 $10,310,000 6.6% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,540,000 $8,900,000 60.6% 0.9%
TOWNE MORTGAGE COMPANY $11,315,000 $8,595,000 -24.0% 0.9%
FREEDOM MORTGAGE CORPORATION $11,480,000 $7,970,000 -30.6% 0.8%
Mortgage Research Center, LLC $6,155,000 $7,770,000 26.2% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $7,365,000 $7,335,000 -0.4% 0.7%
WISCONSIN MORTGAGE CORPORATION $6,060,000 $7,285,000 20.2% 0.7%
MARINE $4,240,000 $6,935,000 63.6% 0.7%
AMERISAVE MORTGAGE CORPORATION $2,630,000 $6,845,000 160.3% 0.7%
BETTER MORTGAGE CORPORATION $3,060,000 $6,600,000 115.7% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $4,235,000 $6,595,000 55.7% 0.7%
PENNYMAC LOAN SERVICES, LLC $2,550,000 $6,270,000 145.9% 0.6%
JPMorgan Chase Bank $4,785,000 $6,235,000 30.3% 0.6%
LOANDEPOT.COM, LLC $4,435,000 $6,125,000 38.1% 0.6%
Landmark Credit Union $7,810,000 $6,090,000 -22.0% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,175,000 $5,985,000 88.5% 0.6%
GUARANTEED RATE, INC. $4,190,000 $5,835,000 39.3% 0.6%
Wisconsin Bank & Trust $2,620,000 $5,465,000 108.6% 0.5%
Hometown Bank $2,455,000 $4,950,000 101.6% 0.5%
University of Wisconsin Credit Union $5,355,000 $4,935,000 -7.8% 0.5%
Bell Bank $1,920,000 $4,615,000 140.4% 0.5%
Hiawatha National Bank $2,715,000 $4,165,000 53.4% 0.4%
NAVY FEDERAL CREDIT UNION $1,300,000 $3,960,000 204.6% 0.4%
INLANTA MORTGAGE, INC. $4,955,000 $3,915,000 -21.0% 0.4%
COMPEER FINANCIAL, FLCA $4,800,000 $3,500,000 -27.1% 0.4%
Summit Credit Union $3,855,000 $3,450,000 -10.5% 0.3%
HOME POINT FINANCIAL CORPORATION $2,465,000 $3,375,000 36.9% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $2,815,000 $3,105,000 10.3% 0.3%
Nicolet National Bank $3,635,000 $3,065,000 -15.7% 0.3%
North Shore Bank FSB $10,380,000 $2,985,000 -71.2% 0.3%
First Federal Bank $2,480,000 $2,965,000 19.6% 0.3%
CALIBER HOME LOANS, INC. $4,370,000 $2,835,000 -35.1% 0.3%
PARKSIDE LENDING, LLC $7,735,000 $2,615,000 -66.2% 0.3%
FORTE BANK $510,000 $2,595,000 408.8% 0.3%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,945,000 $2,535,000 30.3% 0.3%
PLANET HOME LENDING, LLC $1,930,000 $2,525,000 30.8% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $2,745,000 $2,470,000 -10.0% 0.2%
Bank Five Nine $3,380,000 $2,465,000 -27.1% 0.2%
Horicon Bank $1,035,000 $2,390,000 130.9% 0.2%
USAA Federal Savings Bank $4,300,000 $2,120,000 -50.7% 0.2%
NATIONS RELIABLE LENDING, LLC $155,000 $2,010,000 1,196.8% 0.2%
Chicago Mortgage Solutions LLC $275,000 $1,955,000 610.9% 0.2%
The Huntington National Bank $1,035,000 $1,815,000 75.4% 0.2%
The Federal Savings Bank $1,500,000 $1,810,000 20.7% 0.2%
CoVantage Credit Union $730,000 $1,785,000 144.5% 0.2%
UNION HOME MORTGAGE CORP. $1,775,000 n/a 0.2%
EDUCATORS CREDIT UNION $1,895,000 $1,770,000 -6.6% 0.2%
PNC Bank $1,635,000 $1,760,000 7.6% 0.2%
Prosperity Home Mortgage, LLC $680,000 $1,740,000 155.9% 0.2%
First-Citizens Bank & Trust Company $270,000 $1,705,000 531.5% 0.2%
Westbury Bank $2,900,000 $1,670,000 -42.4% 0.2%
CMG MORTGAGE, INC. $2,550,000 $1,635,000 -35.9% 0.2%
A + MORTGAGE SERVICES, INC. $1,225,000 $1,610,000 31.4% 0.2%
Bank of America $1,435,000 $1,595,000 11.1% 0.2%
Paramount Residential Mortgage Group, Inc. $2,295,000 $1,595,000 -30.5% 0.2%
Denmark State Bank $2,735,000 $1,545,000 -43.5% 0.2%
LAKEVIEW LOAN SERVICING, LLC $1,800,000 $1,535,000 -14.7% 0.2%
The Equitable Bank, S.S.B. $2,480,000 $1,460,000 -41.1% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $535,000 $1,455,000 172.0% 0.1%
Wyndham Capital Mortgage, Inc. $345,000 $1,455,000 321.7% 0.1%
Waterstone Mortgage Corporation $1,635,000 $1,385,000 -15.3% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $705,000 $1,365,000 93.6% 0.1%
Carrington Mortgage Services, LLC $800,000 $1,320,000 65.0% 0.1%
GSF Mortgage Corporation $975,000 $1,255,000 28.7% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $385,000 $1,245,000 223.4% 0.1%
Morgan Stanley Private Bank $1,360,000 $1,225,000 -9.9% 0.1%
Ixonia Bank $955,000 $1,205,000 26.2% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $930,000 $1,115,000 19.9% 0.1%
American Mortgage & Equity Consultants, Inc. $115,000 $1,110,000 865.2% 0.1%
Bank of England $1,360,000 $1,110,000 -18.4% 0.1%
Community First Credit Union $1,090,000 $1,075,000 -1.4% 0.1%
Old National Bank $810,000 $1,055,000 30.2% 0.1%
Barrington Bank & Trust Company, N.A. $2,930,000 $1,015,000 -65.4% 0.1%
Citizens Bank $280,000 $1,005,000 258.9% 0.1%
Raymond James Bank $1,005,000 n/a 0.1%
Fox Valley Savings Bank $1,705,000 $1,000,000 -41.3% 0.1%
CANOPY MORTGAGE, LLC $955,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $145,000 $890,000 513.8% 0.1%
ROYAL UNITED MORTGAGE LLC $335,000 $860,000 156.7% 0.1%
Ally Bank $815,000 $855,000 4.9% 0.1%
Luana Savings Bank $855,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $890,000 $855,000 -3.9% 0.1%
FOX COMMUNITIES $1,230,000 $845,000 -31.3% 0.1%
First Bank & Trust $2,610,000 $835,000 -68.0% 0.1%
Bank of Deerfield $235,000 $820,000 248.9% 0.1%
PENTAGON FEDERAL CREDIT UNION $425,000 $755,000 77.6% 0.1%
State Bank of Cross Plains $740,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $710,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $705,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $355,000 $700,000 97.2% 0.1%
CAPITAL Credit Union $625,000 $700,000 12.0% 0.1%
IncredibleBank $2,645,000 $700,000 -73.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $955,000 $690,000 -27.7% 0.1%
Gateway First Bank $680,000 n/a 0.1%
TOTAL MORTGAGE SERVICES, LLC $900,000 $680,000 -24.4% 0.1%
North American Savings Bank, F.S.B. $205,000 $665,000 224.4% 0.1%
Summit Mortgage Corporation $650,000 n/a 0.1%
COMPASS MORTGAGE, INC. $630,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $955,000 $615,000 -35.6% 0.1%
Goldwater Bank, N.A. $290,000 $610,000 110.3% 0.1%
NEW DAY FINANCIAL, LLC $790,000 $605,000 -23.4% 0.1%
SOFI LENDING CORP. $600,000 n/a 0.1%
GUILD MORTGAGE COMPANY $340,000 $590,000 73.5% 0.1%
Coulee Bank $160,000 $585,000 265.6% 0.1%
ZILLOW HOME LOANS, LLC $125,000 $555,000 344.0% 0.1%
Manufacturers and Traders Trust Company $345,000 $550,000 59.4% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $700,000 $545,000 -22.1% 0.1%
Settlers Bank $710,000 $540,000 -23.9% 0.1%
EMBRACE HOME LOANS, INC. $520,000 n/a 0.1%
First Guaranty Mortgage Corporation $445,000 $515,000 15.7% 0.1%
PyraMax Bank, FSB $1,100,000 $515,000 -53.2% 0.1%
NBKC BANK $265,000 $505,000 90.6% 0.1%
Home Federal Savings Bank $495,000 n/a 0.0%
SPRING EQ, LLC $70,000 $490,000 600.0% 0.0%
VAN DYK MORTGAGE CORPORATION $545,000 $480,000 -11.9% 0.0%
First Midwest Bank $570,000 $475,000 -16.7% 0.0%
InterContinental Capital Group, Inc $475,000 n/a 0.0%
Tri City National Bank $460,000 $460,000 0.0% 0.0%
Discover Bank $145,000 $455,000 213.8% 0.0%
Fifth Third Bank $570,000 $445,000 -21.9% 0.0%
BLUELEAF LENDING, LLC $440,000 n/a 0.0%
CLEARPATH LENDING $2,180,000 $435,000 -80.0% 0.0%
Bristol Morgan Bank $250,000 $430,000 72.0% 0.0%
PHH Mortgage Corporation $105,000 $430,000 309.5% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $680,000 $425,000 -37.5% 0.0%
CORNERSTONE HOME LENDING, INC. $145,000 $420,000 189.7% 0.0%
MEGASTAR FINANCIAL CORP. $435,000 $405,000 -6.9% 0.0%
PROPER RATE, LLC $255,000 $385,000 51.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $385,000 n/a 0.0%
UNITED HOME LOANS, INC. $385,000 n/a 0.0%
ALLIANT $380,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $225,000 $380,000 68.9% 0.0%
KS StateBank $255,000 $375,000 47.1% 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $70,000 $370,000 428.6% 0.0%
DELMAR FINANCIAL COMPANY $345,000 n/a 0.0%
PROSPERA Credit Union $345,000 n/a 0.0%
AFFINITY PLUS $340,000 n/a 0.0%
Citibank $245,000 $340,000 38.8% 0.0%
THRIVENT Federal Credit Union $125,000 $340,000 172.0% 0.0%
ARC HOME LLC $335,000 n/a 0.0%
Blackhawk Bank $325,000 n/a 0.0%
DAS Acquisition Company, LLC $370,000 $320,000 -13.5% 0.0%
GUIDANCE RESIDENTIAL, LLC $320,000 n/a 0.0%
AXIA FINANCIAL, LLC $315,000 n/a 0.0%
Great Midwest Bank, S.S.B. $2,105,000 $310,000 -85.3% 0.0%
Citadel Servicing Corporation $305,000 n/a 0.0%
FirstBank $275,000 $305,000 10.9% 0.0%
Forward Bank $305,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $275,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $255,000 n/a 0.0%
Waukesha State Bank $270,000 $250,000 -7.4% 0.0%
Webster Bank $175,000 $250,000 42.9% 0.0%
Charles Schwab Bank, SSB $245,000 n/a 0.0%
DUPACO COMMUNITY $245,000 n/a 0.0%
VERITAS FUNDING, LLC $245,000 n/a 0.0%
LOANPAL, LLC $380,000 $235,000 -38.2% 0.0%
Tradition Mortgage, LLC $235,000 n/a 0.0%
Cornerstone Community Bank $315,000 $230,000 -27.0% 0.0%
State Bank of Chilton $375,000 $230,000 -38.7% 0.0%
CBI Bank & Trust $225,000 n/a 0.0%
Watermark Capital, Inc. $370,000 $225,000 -39.2% 0.0%
NORTHWESTERN MUTUAL $215,000 n/a 0.0%
RESIDENTIAL BANCORP. $215,000 n/a 0.0%
Baraboo State Bank $75,000 $205,000 173.3% 0.0%
Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.0%
KELLER MORTGAGE, LLC $195,000 n/a 0.0%
WNB Financial, N.A. $95,000 $190,000 100.0% 0.0%
First Federal Bank of Kansas City $185,000 n/a 0.0%
First National Bank of America $95,000 $185,000 94.7% 0.0%
MORTGAGE ACCESS CORP. $155,000 $185,000 19.4% 0.0%
REVERSE MORTGAGE FUNDING LLC $185,000 n/a 0.0%
WESTconsin Credit Union $185,000 n/a 0.0%
Glacier Hills Credit Union $990,000 $175,000 -82.3% 0.0%
HOMESTEAD FUNDING CORP. $955,000 $175,000 -81.7% 0.0%
Magnolia Bank $175,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $175,000 n/a 0.0%
Quad City Bank and Trust Company $175,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $280,000 $175,000 -37.5% 0.0%
CHURCHILL MORTGAGE CORPORATION $525,000 $165,000 -68.6% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $165,000 n/a 0.0%
MOVEMENT MORTGAGE, LLC $165,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $160,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $235,000 $155,000 -34.0% 0.0%
VERVE, A CREDIT UNION $85,000 $155,000 82.4% 0.0%
Figure Lending LLC $95,000 $150,000 57.9% 0.0%
Northpointe Bank $145,000 n/a 0.0%
PURDUE FEDERAL CREDIT UNION $145,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $145,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $945,000 $135,000 -85.7% 0.0%
Empower Credit Union $185,000 $130,000 -29.7% 0.0%
Low VA Rates, LLC $480,000 $125,000 -74.0% 0.0%
Ameris Bank $115,000 n/a 0.0%
Arvest Bank $155,000 $115,000 -25.8% 0.0%
Fortifi Bank $115,000 n/a 0.0%
TIAA, FSB $95,000 $115,000 21.1% 0.0%
COMMUNITYAMERICA $105,000 n/a 0.0%
Guardian Credit Union $105,000 n/a 0.0%
STEARNS LENDING, LLC $905,000 $105,000 -88.4% 0.0%
TCF National Bank $420,000 $105,000 -75.0% 0.0%
TRIAD FINANCIAL SERVICES, INC. $35,000 $105,000 200.0% 0.0%
Monona Bank $65,000 $95,000 46.2% 0.0%
21ST MORTGAGE CORPORATION $90,000 n/a 0.0%
AMERICAN ADVISORS GROUP $290,000 $85,000 -70.7% 0.0%
Citizens Bank $280,000 $85,000 -69.6% 0.0%
CIVIC FINANCIAL SERVICES, LLC $85,000 n/a 0.0%
First Federal Savings Bank $85,000 n/a 0.0%
Royal Credit Union $145,000 $85,000 -41.4% 0.0%
Bay Bank $75,000 n/a 0.0%
Connexus Credit Union $70,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $570,000 $55,000 -90.4% 0.0%
Heartland Credit Union (Madison) $155,000 $55,000 -64.5% 0.0%
Farmers State Bank $1,375,000 $45,000 -96.7% 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $45,000 n/a 0.0%
Truist Bank $45,000 n/a 0.0%
First American Bank $35,000 n/a 0.0%

SHEBOYGAN's top lender by overall market share is Bank First, N.A., with 11.1% market share. In second place, with 5.2%, is Oostburg State Bank, having originated $52,280,000 in loans. In third place, with 5.0%, is Kohler Credit Union, having originated $49,955,000 in loans. In third place, with 5.0%, is QUICKEN LOANS, LLC, having originated $49,895,000 in loans. In third place, with 3.5%, is Cleveland State Bank, having originated $35,070,000 in loans.


SHEBOYGAN, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 2,404 $411,240,000 $171,065
Home Purchase 1,794 $362,420,000 $202,018
Cash Out Refi 1,088 $191,340,000 $175,864
Home Improvement 244 $15,540,000 $63,689
Other 180 $16,940,000 $94,111

Sheboygan's most frequently cited loan purpose was Refi, with 2,404 originations. The 2nd most popular reason was Home Purchase, with 1,794 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,789 $334,295,000 $186,861
3-4% 1,740 $322,010,000 $185,063
<2.5% 1,101 $175,865,000 $159,732
4-5% 206 $27,100,000 $131,553
5-6% 43 $3,415,000 $79,419
Over 8% 39 $3,905,000 $100,128
7-8% 25 $2,115,000 $84,600
6-7% 10 $490,000 $49,000

During 2021, Sheboygan's most frequently originated rate bucket was 2.5-3%, with 1,789 originations.

Loan Sizing (SHEBOYGAN, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,732 $391,900,000 $143,448
$100,000 or less 1,380 $91,090,000 $66,007
$200k-400k 1,372 $365,600,000 $266,472
$400k-600k 181 $85,725,000 $473,619
$600k-1000k 33 $24,305,000 $736,515
$Over $1MM 12 $38,860,000 $3,238,333

SHEBOYGAN's loan sizing saw the bucket of loans from $100k-200k with 2,732 originations, totaling $391,900,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,820 $336,200,000 $184,725
80-100% 1,456 $308,750,000 $212,054
40-60% 920 $154,220,000 $167,630
20-40% 419 $42,075,000 $100,418
Under 20% 243 $9,565,000 $39,362
Over 100% 21 $6,485,000 $308,810

SHEBOYGAN's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,820 originations, totaling $336,200,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - SHEBOYGAN (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 $226,250 (61.6%) $277,104 (29.9%) 0.00 289
2018-02-01 $224,450 (54.9%) $277,906 (30.3%) 0.00 267
2018-03-01 $244,900 (65.6%) $299,111 (36.3%) 0.00 262
2018-04-01 $249,150 (40.8%) $320,239 (21.8%) 0.00 249
2018-05-01 $248,950 (21.5%) $331,176 (19.0%) 0.00 247
2018-06-01 $248,300 (16.9%) $333,068 (17.9%) 0.00 270
2018-07-01 $252,450 (11.0%) $323,176 (10.0%) 0.00 309
2018-08-01 $239,950 (1.6%) $307,194 (3.7%) 0.00 341
2018-09-01 $234,900 (-5.2%) $309,635 (0.8%) 0.00 364
2018-10-01 $237,050 (-0.4%) $309,039 (7.2%) 0.00 361
2018-11-01 $232,150 (-0.1%) $293,878 (2.0%) 0.00 351
2018-12-01 $220,000 (-3.3%) $286,359 (2.2%) 0.00 308
2019-01-01 $208,400 (-7.9%) $285,513 (3.0%) 0.00 268
2019-02-01 $214,950 (-4.2%) $290,162 (4.4%) 0.00 247
2019-03-01 $229,957 (-6.1%) $301,188 (0.7%) 0.00 275
2019-04-01 $244,957 (-1.7%) $313,282 (-2.2%) 0.00 417
2019-05-01 $249,950 (0.4%) $323,022 (-2.5%) 0.00 246
2019-06-01 $249,900 (0.6%) $319,170 (-4.2%) 0.00 271
2019-07-01 $249,950 (-1.0%) $319,860 (-1.0%) 0.00 304
2019-08-01 $245,614 (2.4%) $308,087 (0.3%) 0.00 323
2019-09-01 $234,950 (0.0%) $295,169 (-4.7%) 0.00 337
2019-10-01 $247,400 (4.4%) $301,865 (-2.3%) 0.00 311
2019-11-01 $250,000 (7.7%) $297,746 (1.3%) 0.00 315
2019-12-01 $238,700 (8.5%) $286,230 (-0.1%) 0.00 282
2020-01-01 $249,600 (19.8%) $292,046 (2.3%) 0.00 232
2020-02-01 $264,900 (23.2%) $308,488 (6.3%) 0.00 227
2020-03-01 $263,250 (14.5%) $317,482 (5.4%) 0.00 212
2020-04-01 $266,200 (8.7%) $319,737 (2.1%) 0.00 186
2020-05-01 $271,400 (8.6%) $340,043 (5.3%) 0.00 181
2020-06-01 $277,450 (11.0%) $352,479 (10.4%) 0.00 162
2020-07-01 $264,550 (5.8%) $350,599 (9.6%) 0.00 160
2020-08-01 $261,900 (6.6%) $344,871 (11.9%) 0.00 166
2020-09-01 $239,900 (2.1%) $327,622 (11.0%) 0.00 164
2020-10-01 $228,000 (-7.8%) $312,250 (3.4%) 0.00 169
2020-11-01 $229,950 (-8.0%) $311,137 (4.5%) 0.00 161
2020-12-01 $225,000 (-5.7%) $305,241 (6.6%) 0.00 149
2021-01-01 $234,900 (-5.9%) $310,987 (6.5%) 0.00 128
2021-02-01 $239,450 (-9.6%) $327,602 (6.2%) 0.00 93
2021-03-01 $234,450 (-10.9%) $329,191 (3.7%) 0.00 89
2021-04-01 $252,450 (-5.2%) $364,147 (13.9%) 0.00 92
2021-05-01 $260,000 (-4.2%) $405,804 (19.3%) 0.00 98
2021-06-01 $259,900 (-6.3%) $370,806 (5.2%) 0.00 119
2021-07-01 $267,400 (1.1%) $391,810 (11.8%) 0.00 131
2021-08-01 $274,400 (4.8%) $365,559 (6.0%) 0.00 144
2021-09-01 $269,900 (12.5%) $345,953 (5.6%) 0.00 140
2021-10-01 $275,000 (20.6%) $353,737 (13.3%) 0.00 121
2021-11-01 $268,450 (16.7%) $336,121 (8.0%) 0.00 107
2021-12-01 $259,450 (15.3%) $322,265 (5.6%) 0.00 94
2022-01-01 $269,000 (14.5%) $336,093 (8.1%) 0.00 81
2022-02-01 $292,450 (22.1%) $337,685 (3.1%) 0.00 66
2022-03-01 $294,950 (25.8%) $374,921 (13.9%) 0.00 56
2022-04-01 $319,900 (26.7%) $375,572 (3.1%) 0.00 63
2022-05-01 $365,000 (40.4%) $400,658 (-1.3%) 0.00 82
2022-06-01 $357,450 (37.5%) $403,384 (8.8%) 0.00 97
SHEBOYGAN's median listing price for 2022-06-01 was $357,450, a difference of $97,550 (37.5%) versus the prior year and $-7,550 versus the prior month.

SHEBOYGAN's median listing price comes in at 0% of the national average.

SHEBOYGAN's average listing price for 2022-06-01 was $403,384, a difference of $32,578 (8.8%) versus the prior year and $2,726 versus the prior month.

For the 2022-06-01 period, SHEBOYGAN had 97 MLS listings, a difference of 15 listings (18%) versus the prior month and -22 listings (-18%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - SHEBOYGAN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,740 sqft
2018-02-01 0 days 1,744 sqft
2018-03-01 0 days 1,825 sqft
2018-04-01 0 days 1,764 sqft
2018-05-01 0 days 1,800 sqft
2018-06-01 0 days 1,858 sqft
2018-07-01 0 days 1,836 sqft
2018-08-01 0 days 1,747 sqft
2018-09-01 0 days 1,736 sqft
2018-10-01 0 days 1,736 sqft
2018-11-01 0 days 1,758 sqft
2018-12-01 0 days 1,660 sqft
2019-01-01 0 days 1,648 sqft
2019-02-01 0 days 1,611 sqft
2019-03-01 0 days 1,622 sqft
2019-04-01 0 days 1,677 sqft
2019-05-01 0 days 1,697 sqft
2019-06-01 0 days 1,674 sqft
2019-07-01 0 days 1,701 sqft
2019-08-01 0 days 1,686 sqft
2019-09-01 0 days 1,687 sqft
2019-10-01 0 days 1,688 sqft
2019-11-01 0 days 1,607 sqft
2019-12-01 0 days 1,564 sqft
2020-01-01 0 days 1,628 sqft
2020-02-01 0 days 1,701 sqft
2020-03-01 0 days 1,661 sqft
2020-04-01 0 days 1,715 sqft
2020-05-01 0 days 1,750 sqft
2020-06-01 0 days 1,866 sqft
2020-07-01 0 days 1,793 sqft
2020-08-01 0 days 1,792 sqft
2020-09-01 0 days 1,679 sqft
2020-10-01 0 days 1,610 sqft
2020-11-01 0 days 1,566 sqft
2020-12-01 0 days 1,545 sqft
2021-01-01 0 days 1,562 sqft
2021-02-01 0 days 1,534 sqft
2021-03-01 0 days 1,505 sqft
2021-04-01 0 days 1,585 sqft
2021-05-01 0 days 1,724 sqft
2021-06-01 0 days 1,688 sqft
2021-07-01 0 days 1,632 sqft
2021-08-01 0 days 1,715 sqft
2021-09-01 0 days 1,668 sqft
2021-10-01 0 days 1,789 sqft
2021-11-01 0 days 1,631 sqft
2021-12-01 0 days 1,561 sqft
2022-01-01 0 days 1,568 sqft
2022-02-01 0 days 1,560 sqft
2022-03-01 0 days 1,803 sqft
2022-04-01 0 days 1,785 sqft
2022-05-01 0 days 1,865 sqft
2022-06-01 0 days 1,873 sqft
SHEBOYGAN's median listing age (time on market) for 2022-06-01 was 0 days.

SHEBOYGAN's median square footage for active listings during the 2022-06-01 period was 1,873 sqft. One year prior, the average listing was 1,688 sqft.