Stevens Point Mortgage Rates

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

30 Year Fixed Rate mortgages in Stevens Point averaged 5.94% 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 5.75% and one month ago for the week of 2022-05-26, the average rate was 5.24%.

Stevens Point's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.04%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Stevens Point 30 Year Fixed Rate 2022-06-30 5.94%
Stevens Point 30 Year Fixed Rate Refi 2022-06-30 6.04%
Stevens Point 15 Year Fixed Rate 2022-06-30 5.16%
Stevens Point 15 Year Fixed Rate Refi 2022-06-30 5.14%
Stevens Point 30 Year FHA 2022-06-30 5.61%
Stevens Point 30 Year FHA Refi 2022-06-30 5.81%
Stevens Point 30 Year USDA 2022-06-30 5.45%
Stevens Point 30 Year VA 2022-06-30 5.82%
Stevens Point 30 Year VA Refi 2022-06-30 5.5%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Stevens Point, WI.

Stevens Point 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 Stevens Point, 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
CoVantage Credit Union 125 3.12% $2,165
U.S. Bank 124 3.07% $2,242
University of Wisconsin Credit Union 89 2.88% $2,655
QUICKEN LOANS, LLC 57 3.14% $4,296
Associated Bank 56 3.08% $1,957
Bank First, N.A. 42 3.27% $1,993
First Federal Bank 33 3.11% $1,917
Prevail Bank 28 3.05% $1,547
PARKSIDE LENDING, LLC 23 2.90% $2,388
Waterstone Mortgage Corporation 20 3.33% $4,194
Bankers' Bank 19 3.10% $1,284
JPMorgan Chase Bank 16 3.19% $2,332
LOANDEPOT.COM, LLC 16 3.04% $4,812
TOWNE MORTGAGE COMPANY 16 3.00% $1,885
Old National Bank 15 3.17% $2,732
BMO Harris Bank 15 3.18% $2,874
Prosperity Home Mortgage, LLC 14 3.13% $3,793
FREEDOM MORTGAGE CORPORATION 13 3.15% $3,219
UNITED WHOLESALE MORTGAGE, LLC 11 2.90% $2,575
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 3.10% $3,663
Community First Credit Union 11 3.16% $1,795
INLANTA MORTGAGE, INC. 10 3.11% $3,356
FINANCE OF AMERICA MORTGAGE LLC 9 3.14% $4,831
Wells Fargo Bank 8 3.09% $2,729
AMERISAVE MORTGAGE CORPORATION 8 3.26% $4,941
GUARANTEED RATE, INC. 7 2.93% $2,539
BETTER MORTGAGE CORPORATION 7 3.07% $2,540
FOX COMMUNITIES 6 2.94% $1,386
IncredibleBank 6 2.94% $2,352
Summit Credit Union 6 3.08% $2,527
FIRST CENTENNIAL MORTGAGE CORPORATION 5 2.93% $2,502
Brokaw Credit Union 5 3.03% $1,576
BROKER SOLUTIONS, INC. 5 3.12% $2,768
Paramount Residential Mortgage Group, Inc. 5 3.35% $5,194
Mr. Cooper ( Nationstar Mortgage ) 4 3.46% $4,065
Bell Bank 4 2.97% $2,905
Bremer Bank 4 3.13% $2,612
NEWREZ LLC 4 3.28% $2,234
PENNYMAC LOAN SERVICES, LLC 4 3.34% $4,209
Forward Bank 4 3.18% $1,820
EVERETT FINANCIAL, INC. 3 3.33% $1,605
The Huntington National Bank 3 4.12% $2,013
AMERICAN FINANCING CORPORATION 3 3.33% $4,279
Servion, Inc. 3 3.25% $2,506
CALIBER HOME LOANS, INC. 3 3.25% $2,470
T2 FINANCIAL LLC 3 3.12% $2,730
NAVY FEDERAL CREDIT UNION 2 4.19% $3,476
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.18% $2,789
InterContinental Capital Group, Inc 2 3.38% $3,278
Monona Bank 2 3.13% $2,532
GUILD MORTGAGE COMPANY 2 2.81% $3,568
Chicago Mortgage Solutions LLC 2 2.75% $1,511
Hometown Bank 2 2.88% $803
Bank Five Nine 2 3.06% $2,690
LAND HOME FINANCIAL SERVICES, INC. 2 3.19% $4,273
Barrington Bank & Trust Company, N.A. 2 3.00% $3,277
Ally Bank 2 3.00% $2,609
THOMPSON KANE & COMPANY, LLC 2 2.94% $852
Flagstar Bank, FSB 2 3.44% $5,614
CAPITAL Credit Union 2 3.38% $2,072
SOFI LENDING CORP. 2 3.00% $2,874
Royal Credit Union 2 2.88% $0
MARINE 1 7.48% $3,650
ALTRA 1 2.88% $1,294
AMERICAN PACIFIC MORTGAGE CORPORATION 1 4.88% $3,174
Bank Iowa 1 3.13% $1,878
BAY EQUITY LLC 1 2.88% $3,880
Blackhawk Community Credit Union 1 3.50% $2,698
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 2.88% $5,378
CELEBRITY HOME LOANS, LLC 1 3.75% $3,225
Cf Bank 1 2.63% $1,623
Citibank 1 2.75% $4,837
Citizens Bank 1 3.25% $1,055
Commerce State Bank 1 3.00% $1,640
Connexus Credit Union 1 3.00% $1,876
CROSSCOUNTRY MORTGAGE, LLC 1 2.38% $4,432
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.25% $3,124
Discover Bank 1 5.49% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 4.38% $2,529
ENVOY MORTGAGE, LTD 1 3.63% $4,300
Fifth Third Bank 1 3.13% $5,899
First Guaranty Mortgage Corporation 1 2.88% $3,331
First National Bank 1 2.50% $1,801
First National Bank of America 1 7.38% $13,056
GreenStone Farm Credit Services, FLCA 1 3.85% $2,164
GSF Mortgage Corporation 1 2.63% $838
Guardian Credit Union 1 2.75% $1,585
Heritage Bank 1 3.88% $8,070
Hometown Lenders, Inc. 1 3.38% $2,739
IMPAC MORTGAGE CORP. 1 3.38% $1,459
INLAND BANK & TRUST 1 3.13% $2,152
Johnson Bank 1 3.00% $1,125
KELLER MORTGAGE, LLC 1 3.00% $1,908
Kohler Credit Union 1 3.13% $2,803
LEADERONE FINANCIAL CORPORATION 1 3.50% $3,370
Loan Simple, Inc. 1 2.75% $1,728
Alerus Financial 1 2.38% $2,735
Midland States Bank 1 3.13% $2,855
MORTGAGE ACCESS CORP. 1 3.25% $2,903
Mortgage Research Center, LLC 1 2.88% $619
Nations Lending Corporation 1 2.99% $6,693
PHH Mortgage Corporation 1 2.88% $7,787
PremierBank 1 2.88% $1,499
RESIDENTIAL BANCORP. 1 2.63% $3,343
ROYAL UNITED MORTGAGE LLC 1 2.50% $6,840
Sierra Pacific Mortgage Company, Inc. 1 3.38% $1,912
STEARNS LENDING, LLC 1 2.88% $2,091
Stifel Bank and Trust 1 2.75% $2,015
SUCCESS MORTGAGE PARTNERS, INC. 1 3.63% $2,318
The Central Trust Bank 1 3.13% $2,481
The Federal Savings Bank 1 3.00% $2,686
UNISON CREDIT UNION 1 2.88% $1,412
UNITED HOME LOANS, INC. 1 2.95% $5,045
Waukesha State Bank 1 2.94% $1,605

Stevens Point, WI's 114 lenders originated 2,623 loans during 2021. The total origination value was $463,975,000, with an average loan value of $176,887.

The top Stevens Point lender as defined by loan originations is CoVantage Credit Union, with 125 loans originated. Their average total fees are $2,165, which is $77 lower than the next largest lender, U.S. Bank.

The lowest fee Stevens Point lenders (with over 10 loans originated) are Bankers' Bank ($1,284), Prevail Bank ($1,547), Community First Credit Union ($1,795), TOWNE MORTGAGE COMPANY ($1,885) and First Federal Bank ($1,917).

The lowest rate Stevens Point lenders (with over 10 loans originated) are University of Wisconsin Credit Union (2.88%), PARKSIDE LENDING, LLC (2.90%), UNITED WHOLESALE MORTGAGE, LLC (2.90%), TOWNE MORTGAGE COMPANY (3.00%) and LOANDEPOT.COM, LLC (3.04%).

Stevens Point, 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
U.S. Bank $47,365,000 $55,285,000 16.7% 11.9%
CoVantage Credit Union $50,390,000 $48,190,000 -4.4% 10.4%
Associated Bank $24,750,000 $32,115,000 29.8% 6.9%
University of Wisconsin Credit Union $23,095,000 $29,770,000 28.9% 6.4%
QUICKEN LOANS, LLC $24,220,000 $24,615,000 1.6% 5.3%
Prevail Bank $22,560,000 $22,010,000 -2.4% 4.7%
Bank First, N.A. $4,660,000 $14,805,000 217.7% 3.2%
First Federal Bank $28,720,000 $10,690,000 -62.8% 2.3%
FREEDOM MORTGAGE CORPORATION $5,755,000 $10,650,000 85.1% 2.3%
Old National Bank $22,140,000 $9,430,000 -57.4% 2.0%
BMO Harris Bank $6,165,000 $8,885,000 44.1% 1.9%
WOODTRUST BANK $17,630,000 $8,305,000 -52.9% 1.8%
Bankers' Bank $8,130,000 n/a 1.8%
Valley Communities Credit Union $6,495,000 $7,660,000 17.9% 1.7%
JPMorgan Chase Bank $4,530,000 $7,120,000 57.2% 1.5%
PARKSIDE LENDING, LLC $10,570,000 $6,745,000 -36.2% 1.5%
Waterstone Mortgage Corporation $8,245,000 $6,190,000 -24.9% 1.3%
TOWNE MORTGAGE COMPANY $4,230,000 $5,925,000 40.1% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $6,665,000 $5,305,000 -20.4% 1.1%
Prosperity Home Mortgage, LLC $3,530,000 $5,110,000 44.8% 1.1%
LOANDEPOT.COM, LLC $2,005,000 $4,990,000 148.9% 1.1%
Wells Fargo Bank $3,160,000 $4,955,000 56.8% 1.1%
Community First Credit Union $4,795,000 $4,780,000 -0.3% 1.0%
Citizens State Bank of La Crosse $4,255,000 $4,655,000 9.4% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,515,000 $4,505,000 -0.2% 1.0%
First State Bank $2,310,000 $4,135,000 79.0% 0.9%
PENNYMAC LOAN SERVICES, LLC $1,000,000 $3,865,000 286.5% 0.8%
INLANTA MORTGAGE, INC. $2,020,000 $3,695,000 82.9% 0.8%
Mortgage Research Center, LLC $3,615,000 $3,445,000 -4.7% 0.7%
AgCountry Farm Credit Services, FLCA $3,960,000 $3,030,000 -23.5% 0.7%
Summit Credit Union $2,625,000 $2,930,000 11.6% 0.6%
AMERISAVE MORTGAGE CORPORATION $1,855,000 $2,870,000 54.7% 0.6%
IncredibleBank $2,115,000 $2,510,000 18.7% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $1,110,000 $2,480,000 123.4% 0.5%
BROKER SOLUTIONS, INC. $985,000 $2,390,000 142.6% 0.5%
PremierBank $2,340,000 n/a 0.5%
FINANCE OF AMERICA MORTGAGE LLC $730,000 $2,240,000 206.8% 0.5%
NEWREZ LLC $810,000 $2,155,000 166.0% 0.5%
BETTER MORTGAGE CORPORATION $1,190,000 $2,020,000 69.7% 0.4%
GUARANTEED RATE, INC. $1,570,000 $1,990,000 26.8% 0.4%
LAKEVIEW LOAN SERVICING, LLC $790,000 $1,685,000 113.3% 0.4%
NAVY FEDERAL CREDIT UNION $525,000 $1,515,000 188.6% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $900,000 $1,475,000 63.9% 0.3%
FIRST CENTENNIAL MORTGAGE CORPORATION $405,000 $1,450,000 258.0% 0.3%
Paramount Residential Mortgage Group, Inc. $410,000 $1,450,000 253.7% 0.3%
HOME POINT FINANCIAL CORPORATION $105,000 $1,445,000 1,276.2% 0.3%
FOX COMMUNITIES $385,000 $1,405,000 264.9% 0.3%
Bank Five Nine $775,000 $1,330,000 71.6% 0.3%
LAND HOME FINANCIAL SERVICES, INC. $250,000 $1,315,000 426.0% 0.3%
Servion, Inc. $1,135,000 $1,260,000 11.0% 0.3%
Landmark Credit Union $1,680,000 $1,255,000 -25.3% 0.3%
THOMPSON KANE & COMPANY, LLC $255,000 $1,165,000 356.9% 0.3%
Barrington Bank & Trust Company, N.A. $2,940,000 $1,120,000 -61.9% 0.2%
The Huntington National Bank $725,000 $1,115,000 53.8% 0.2%
AMERICAN FINANCING CORPORATION $255,000 $1,110,000 335.3% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $740,000 $1,095,000 48.0% 0.2%
CLEARPATH LENDING $440,000 $1,095,000 148.9% 0.2%
Brokaw Credit Union $1,170,000 $1,065,000 -9.0% 0.2%
Bremer Bank $5,735,000 $985,000 -82.8% 0.2%
Royal Credit Union $2,810,000 $985,000 -64.9% 0.2%
CALIBER HOME LOANS, INC. $570,000 $960,000 68.4% 0.2%
CAPITAL Credit Union $425,000 $960,000 125.9% 0.2%
Forward Bank $1,150,000 $930,000 -19.1% 0.2%
ALTRA $45,000 $925,000 1,955.6% 0.2%
Chicago Mortgage Solutions LLC $915,000 n/a 0.2%
Bell Bank $135,000 $890,000 559.3% 0.2%
GSF Mortgage Corporation $2,750,000 $855,000 -68.9% 0.2%
Intercity State Bank $5,350,000 $855,000 -84.0% 0.2%
DAS Acquisition Company, LLC $675,000 $850,000 25.9% 0.2%
VERVE, A CREDIT UNION $3,740,000 $850,000 -77.3% 0.2%
Flagstar Bank, FSB $1,940,000 $845,000 -56.4% 0.2%
USAA Federal Savings Bank $3,780,000 $830,000 -78.0% 0.2%
Connexus Credit Union $815,000 $810,000 -0.6% 0.2%
GUILD MORTGAGE COMPANY $320,000 $795,000 148.4% 0.2%
UNISON CREDIT UNION $135,000 $790,000 485.2% 0.2%
NEW DAY FINANCIAL, LLC $635,000 $770,000 21.3% 0.2%
First Guaranty Mortgage Corporation $750,000 n/a 0.2%
River Bank $23,050,000 $740,000 -96.8% 0.2%
EVERETT FINANCIAL, INC. $4,675,000 $725,000 -84.5% 0.2%
The Bank of Kaukauna $725,000 n/a 0.2%
Premier Community Bank $605,000 $710,000 17.4% 0.2%
T2 FINANCIAL LLC $280,000 $700,000 150.0% 0.2%
Cloverbelt Credit Union $820,000 $695,000 -15.2% 0.1%
LEADERONE FINANCIAL CORPORATION $640,000 n/a 0.1%
AbbyBank $1,635,000 $625,000 -61.8% 0.1%
Heritage Bank $615,000 n/a 0.1%
Tomahawk Community Bank SSB $585,000 n/a 0.1%
Johnson Bank $12,330,000 $570,000 -95.4% 0.1%
Ally Bank $565,000 n/a 0.1%
THRIVENT Federal Credit Union $490,000 $550,000 12.2% 0.1%
Nicolet National Bank $1,060,000 $545,000 -48.6% 0.1%
Fifth Third Bank $540,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $430,000 $535,000 24.4% 0.1%
Monona Bank $510,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $245,000 $470,000 91.8% 0.1%
The Central Trust Bank $465,000 n/a 0.1%
The Federal Savings Bank $430,000 n/a 0.1%
Westbury Bank $425,000 n/a 0.1%
Bluff View Bank $205,000 $405,000 97.6% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $225,000 $395,000 75.6% 0.1%
HOMESTEAD FUNDING CORP. $390,000 n/a 0.1%
InterContinental Capital Group, Inc $390,000 n/a 0.1%
ENVOY MORTGAGE, LTD $380,000 n/a 0.1%
Baraboo State Bank $265,000 $370,000 39.6% 0.1%
Cf Bank $365,000 n/a 0.1%
SOFI LENDING CORP. $225,000 $360,000 60.0% 0.1%
MORTGAGE ACCESS CORP. $355,000 n/a 0.1%
PHH Mortgage Corporation $345,000 n/a 0.1%
First National Bank of America $335,000 n/a 0.1%
Carrington Mortgage Services, LLC $385,000 $330,000 -14.3% 0.1%
Denmark State Bank $320,000 n/a 0.1%
Discover Bank $155,000 $320,000 106.5% 0.1%
RUOFF MORTGAGE COMPANY, INC. $315,000 n/a 0.1%
Wolfe Financial, Inc $315,000 n/a 0.1%
EDUCATORS CREDIT UNION $285,000 $310,000 8.8% 0.1%
Capital Bank $740,000 $305,000 -58.8% 0.1%
GreenStone Farm Credit Services, FLCA $405,000 $295,000 -27.2% 0.1%
MARINE $215,000 $295,000 37.2% 0.1%
Midland States Bank $295,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $295,000 n/a 0.1%
A + MORTGAGE SERVICES, INC. $520,000 $285,000 -45.2% 0.1%
Loan Simple, Inc. $265,000 n/a 0.1%
Stifel Bank and Trust $265,000 n/a 0.1%
KELLER MORTGAGE, LLC $255,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $250,000 n/a 0.1%
Farmers & Merchants State Bank $245,000 n/a 0.1%
Kohler Credit Union $245,000 n/a 0.1%
Blackhawk Community Credit Union $235,000 n/a 0.1%
Firefighters Credit Union $235,000 n/a 0.1%
Waukesha State Bank $235,000 n/a 0.1%
Ixonia Bank $230,000 n/a 0.0%
BAY EQUITY LLC $225,000 n/a 0.0%
Northpointe Bank $225,000 n/a 0.0%
DELMAR FINANCIAL COMPANY $215,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $215,000 n/a 0.0%
UNITED HOME LOANS, INC. $215,000 n/a 0.0%
Farmers Savings Bank $275,000 $210,000 -23.6% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $325,000 $205,000 -36.9% 0.0%
Bank Iowa $205,000 n/a 0.0%
Hometown Bank $500,000 $200,000 -60.0% 0.0%
North Shore Bank FSB $2,520,000 $200,000 -92.1% 0.0%
INLAND BANK & TRUST $135,000 $195,000 44.4% 0.0%
RESIDENTIAL BANCORP. $195,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $195,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $195,000 n/a 0.0%
PROSPERA Credit Union $190,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $165,000 $175,000 6.1% 0.0%
EMBRACE HOME LOANS, INC. $165,000 $175,000 6.1% 0.0%
NBKC BANK $175,000 n/a 0.0%
Capitol Bank $2,585,000 $165,000 -93.6% 0.0%
WINNEBAGO COMMUNITY $165,000 n/a 0.0%
AFFINITY PLUS $155,000 n/a 0.0%
Alerus Financial $155,000 n/a 0.0%
Citizens Bank $155,000 $155,000 0.0% 0.0%
FINANCE OF AMERICA REVERSE LLC $95,000 $155,000 63.2% 0.0%
Nations Lending Corporation $125,000 $155,000 24.0% 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $660,000 $155,000 -76.5% 0.0%
ZILLOW HOME LOANS, LLC $325,000 $155,000 -52.3% 0.0%
Citibank $145,000 n/a 0.0%
HIWAY $145,000 n/a 0.0%
PLANET HOME LENDING, LLC $490,000 $145,000 -70.4% 0.0%
Hometown Lenders, Inc. $225,000 $135,000 -40.0% 0.0%
STEARNS LENDING, LLC $135,000 n/a 0.0%
Stillman BancCorp N.A. $135,000 n/a 0.0%
The Bank of Brodhead $135,000 n/a 0.0%
First Midwest Bank $255,000 $125,000 -51.0% 0.0%
IMPAC MORTGAGE CORP. $125,000 n/a 0.0%
Baxter Credit Union $120,000 n/a 0.0%
Commerce State Bank $115,000 n/a 0.0%
DUPACO COMMUNITY $115,000 n/a 0.0%
Fortifi Bank $135,000 $115,000 -14.8% 0.0%
Guardian Credit Union $115,000 n/a 0.0%
Oregon Community Bank $115,000 n/a 0.0%
Taylor Credit Union $115,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $105,000 n/a 0.0%
The Park Bank $245,000 $105,000 -57.1% 0.0%
AMERICAN ADVISORS GROUP $95,000 $95,000 0.0% 0.0%
BLC Community Bank $315,000 $95,000 -69.8% 0.0%
CITYWIDE HOME LOANS, LLC $95,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $95,000 n/a 0.0%
Figure Lending LLC $150,000 $95,000 -36.7% 0.0%
21ST MORTGAGE CORPORATION $90,000 n/a 0.0%
WINGS FINANCIAL $185,000 $85,000 -54.1% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $235,000 $75,000 -68.1% 0.0%
CLEARPOINTE CAPITAL, LLC $75,000 n/a 0.0%
First National Bank $75,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $155,000 $75,000 -51.6% 0.0%
Paramount Bank $75,000 n/a 0.0%
SPRING EQ, LLC $65,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $55,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
Park City Credit Union $45,000 n/a 0.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $195,000 $35,000 -82.1% 0.0%
TCF National Bank $880,000 $15,000 -98.3% 0.0%

Stevens Point's top lender by overall market share is U.S. Bank, with 11.9% market share. In second place, with 10.4%, is CoVantage Credit Union, having originated $48,190,000 in loans. In third place, with 6.9%, is Associated Bank, having originated $32,115,000 in loans. In third place, with 6.4%, is University of Wisconsin Credit Union, having originated $29,770,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $24,615,000 in loans.


Stevens Point, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,008 $177,340,000 $175,933
Home Purchase 759 $165,775,000 $218,412
Cash Out Refi 651 $107,835,000 $165,645
Other 110 $7,570,000 $68,818
Home Improvement 95 $5,455,000 $57,421

Stevens Point's most frequently cited loan purpose was Refi, with 1,008 originations. The 2nd most popular reason was Home Purchase, with 759 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 974 $185,220,000 $190,164
3-4% 808 $139,060,000 $172,104
<2.5% 598 $102,780,000 $171,873
4-5% 110 $16,140,000 $146,727
5-6% 18 $920,000 $51,111
6-7% 16 $780,000 $48,750
7-8% 11 $855,000 $77,727
Over 8% 8 $390,000 $48,750

During 2021, Stevens Point's most frequently originated rate bucket was 2.5-3%, with 974 originations.

Loan Sizing (Stevens Point, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,205 $177,845,000 $147,589
$200k-400k 695 $181,875,000 $261,691
$100,000 or less 630 $38,700,000 $61,429
$400k-600k 68 $32,100,000 $472,059
$Over $1MM 14 $26,090,000 $1,863,571
$600k-1000k 11 $7,365,000 $669,545

Stevens Point's loan sizing saw the bucket of loans from $100k-200k with 1,205 originations, totaling $177,845,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 970 $192,120,000 $198,062
80-100% 716 $152,260,000 $212,654
40-60% 405 $60,735,000 $149,963
20-40% 198 $17,550,000 $88,636
Under 20% 187 $10,755,000 $57,513
Over 100% 12 $4,060,000 $338,333

Stevens Point's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 970 originations, totaling $192,120,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Stevens Point (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 $199,900 (19.7%) $230,041 (12.2%) 0.00 171
2018-02-01 $199,900 (17.7%) $227,561 (10.9%) 0.00 164
2018-03-01 $225,000 (18.5%) $233,161 (5.8%) 0.00 161
2018-04-01 $229,400 (24.7%) $244,604 (9.6%) 0.00 174
2018-05-01 $218,900 (9.5%) $236,288 (2.4%) 0.00 208
2018-06-01 $214,900 (7.5%) $229,998 (-0.8%) 0.00 260
2018-07-01 $215,650 (5.2%) $233,290 (-0.6%) 0.00 256
2018-08-01 $215,000 (4.9%) $233,978 (-0.8%) 0.00 237
2018-09-01 $212,500 (6.8%) $232,993 (3.0%) 0.00 217
2018-10-01 $199,900 (0.2%) $229,292 (1.4%) 0.00 220
2018-11-01 $198,950 (1.4%) $233,447 (3.0%) 0.00 186
2018-12-01 $185,000 (-7.5%) $223,560 (-3.4%) 0.00 161
2019-01-01 $179,900 (-10.0%) $226,918 (-1.4%) 0.00 131
2019-02-01 $199,450 (-0.2%) $239,983 (5.5%) 0.00 123
2019-03-01 $208,471 (-7.4%) $246,081 (5.5%) 0.00 132
2019-04-01 $227,400 (-0.9%) $252,512 (3.2%) 0.00 147
2019-05-01 $239,900 (9.6%) $256,754 (8.7%) 0.00 186
2019-06-01 $229,900 (7.0%) $244,122 (6.1%) 0.00 244
2019-07-01 $227,450 (5.5%) $242,394 (3.9%) 0.00 246
2019-08-01 $225,614 (4.9%) $245,465 (4.9%) 0.00 228
2019-09-01 $219,900 (3.5%) $246,340 (5.7%) 0.00 223
2019-10-01 $214,950 (7.5%) $249,402 (8.8%) 0.00 222
2019-11-01 $214,900 (8.0%) $256,584 (9.9%) 0.00 196
2019-12-01 $221,450 (19.7%) $259,443 (16.1%) 0.00 165
2020-01-01 $224,950 (25.0%) $260,928 (15.0%) 0.00 146
2020-02-01 $229,900 (15.3%) $261,362 (8.9%) 0.00 157
2020-03-01 $248,450 (19.2%) $269,775 (9.6%) 0.00 162
2020-04-01 $242,400 (6.6%) $265,647 (5.2%) 0.00 162
2020-05-01 $289,900 (20.8%) $311,157 (21.2%) 0.00 82
2020-06-01 $277,400 (20.7%) $306,000 (25.4%) 0.00 84
2020-07-01 $277,400 (22.0%) $306,783 (26.6%) 0.00 77
2020-08-01 $274,900 (21.9%) $319,972 (30.4%) 0.00 77
2020-09-01 $282,561 (28.5%) $329,927 (33.9%) 0.00 82
2020-10-01 $250,000 (16.3%) $281,579 (12.9%) 0.00 86
2020-11-01 $250,000 (16.3%) $287,812 (12.2%) 0.00 78
2020-12-01 $220,400 (-0.5%) $292,529 (12.8%) 0.00 57
2021-01-01 $250,000 (11.1%) $299,639 (14.8%) 0.00 46
2021-02-01 $262,950 (14.4%) $310,447 (18.8%) 0.00 47
2021-03-01 $256,950 (3.4%) $309,288 (14.7%) 0.00 41
2021-04-01 $282,450 (16.5%) $326,670 (23.0%) 0.00 41
2021-05-01 $293,922 (1.4%) $335,902 (8.0%) 0.00 40
2021-06-01 $274,900 (-0.9%) $318,670 (4.1%) 0.00 53
2021-07-01 $266,900 (-3.8%) $308,664 (0.6%) 0.00 66
2021-08-01 $242,400 (-11.8%) $284,234 (-11.2%) 0.00 156
2021-09-01 $239,900 (-15.1%) $282,321 (-14.4%) 0.00 161
2021-10-01 $250,000 (0.0%) $293,596 (4.3%) 0.00 156
2021-11-01 $292,450 (17.0%) $320,262 (11.3%) 0.00 66
2021-12-01 $292,450 (32.7%) $322,344 (10.2%) 0.00 58
2022-01-01 $325,000 (30.0%) $413,199 (37.9%) 0.00 50
2022-02-01 $338,073 (28.6%) $439,546 (41.6%) 0.00 36
2022-03-01 $339,770 (32.2%) $422,622 (36.6%) 0.00 32
2022-04-01 $329,900 (16.8%) $423,712 (29.7%) 0.00 28
2022-05-01 $326,751 (11.2%) $337,035 (0.3%) 0.00 40
2022-06-01 $309,900 (12.7%) $330,824 (3.8%) 0.00 47
Stevens Point's median listing price for 2022-06-01 was $309,900, a difference of $35,000 (12.7%) versus the prior year and $-16,851 versus the prior month.

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

Stevens Point's average listing price for 2022-06-01 was $330,824, a difference of $12,154 (3.8%) versus the prior year and $-6,211 versus the prior month.

For the 2022-06-01 period, Stevens Point had 47 MLS listings, a difference of 7 listings (18%) versus the prior month and -6 listings (-11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Stevens Point (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,989 sqft
2018-02-01 0 days 2,025 sqft
2018-03-01 0 days 2,050 sqft
2018-04-01 0 days 2,110 sqft
2018-05-01 0 days 2,082 sqft
2018-06-01 0 days 2,010 sqft
2018-07-01 0 days 2,028 sqft
2018-08-01 0 days 2,036 sqft
2018-09-01 0 days 2,036 sqft
2018-10-01 0 days 2,019 sqft
2018-11-01 0 days 2,034 sqft
2018-12-01 0 days 1,950 sqft
2019-01-01 0 days 1,889 sqft
2019-02-01 0 days 1,918 sqft
2019-03-01 0 days 2,004 sqft
2019-04-01 0 days 2,062 sqft
2019-05-01 0 days 2,085 sqft
2019-06-01 0 days 1,976 sqft
2019-07-01 0 days 2,017 sqft
2019-08-01 0 days 2,018 sqft
2019-09-01 0 days 2,018 sqft
2019-10-01 0 days 2,133 sqft
2019-11-01 0 days 2,169 sqft
2019-12-01 0 days 2,172 sqft
2020-01-01 0 days 2,162 sqft
2020-02-01 0 days 2,158 sqft
2020-03-01 0 days 2,230 sqft
2020-04-01 0 days 2,146 sqft
2020-05-01 0 days 2,412 sqft
2020-06-01 0 days 2,359 sqft
2020-07-01 0 days 2,396 sqft
2020-08-01 0 days 2,328 sqft
2020-09-01 0 days 2,286 sqft
2020-10-01 0 days 2,018 sqft
2020-11-01 0 days 1,988 sqft
2020-12-01 0 days 1,930 sqft
2021-01-01 0 days 1,824 sqft
2021-02-01 0 days 1,959 sqft
2021-03-01 0 days 1,983 sqft
2021-04-01 0 days 2,078 sqft
2021-05-01 0 days 2,022 sqft
2021-06-01 0 days 1,950 sqft
2021-07-01 0 days 1,901 sqft
2021-08-01 0 days 1,976 sqft
2021-09-01 0 days 1,936 sqft
2021-10-01 0 days 2,026 sqft
2021-11-01 0 days 2,055 sqft
2021-12-01 0 days 2,056 sqft
2022-01-01 0 days 2,090 sqft
2022-02-01 0 days 2,062 sqft
2022-03-01 0 days 1,958 sqft
2022-04-01 0 days 1,957 sqft
2022-05-01 0 days 1,945 sqft
2022-06-01 0 days 2,004 sqft
Stevens Point's median listing age (time on market) for 2022-06-01 was 0 days.

Stevens Point's median square footage for active listings during the 2022-06-01 period was 2,004 sqft. One year prior, the average listing was 1,950 sqft.