Stevens Point Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Stevens Point averaged 6.66% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.55% and one month ago for the week of 2024-11-07, the average rate was 6.45%.

    Stevens Point's average rate one year ago was 7.09%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Stevens Point 30 Year Fixed Rate 2024-12-12 6.66%
    Stevens Point 30 Year Fixed Rate Refi 2024-12-12 6.8%
    Stevens Point 15 Year Fixed Rate 2024-12-12 5.64%
    Stevens Point 15 Year Fixed Rate Refi 2024-12-12 6.44%
    Stevens Point 30 Year FHA 2024-12-12 6.08%
    Stevens Point 30 Year FHA Refi 2024-12-12 6.48%
    Stevens Point 30 Year USDA 2024-12-12 6.2%
    Stevens Point 30 Year USDA Refi 2024-12-12 6.5%
    Stevens Point 30 Year VA 2024-12-12 6.28%
    Stevens Point 30 Year VA Refi 2024-12-12 5.88%
    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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    U.S. Bank 83 6.88% $3,119
    CoVantage Credit Union 61 6.41% $3,222
    University of Wisconsin Credit Union 34 6.31% $2,738
    Associated Bank 22 6.59% $2,583
    Bank First, N.A. 19 7.15% $2,808
    UNITED WHOLESALE MORTGAGE, LLC 14 7.03% $5,033
    QUICKEN LOANS, LLC 12 6.67% $6,505
    Summit Credit Union 10 6.45% $2,512
    JPMorgan Chase Bank 10 6.52% $3,201
    Nicolet National Bank 8 6.80% $3,532
    EVERETT FINANCIAL, INC. 8 7.47% $5,231
    First Federal Bank 7 7.18% $2,395
    Prevail Bank 6 6.67% $2,272
    GUILD MORTGAGE COMPANY 6 7.23% $4,619
    Peoples State Bank 5 7.18% $2,831
    Old National Bank 4 6.72% $1,769
    Connexus Credit Union 4 5.87% $1,875
    BMO Harris Bank 4 6.63% $3,682
    Ixonia Bank 4 7.50% $4,533
    PENNYMAC LOAN SERVICES, LLC 3 7.21% $4,804
    EDUCATORS CREDIT UNION 3 6.79% $1,634
    Barrington Bank & Trust Company, N.A. 3 6.58% $6,423
    FOX COMMUNITIES 3 6.04% $692
    Servion, Inc. 2 7.63% $2,459
    Royal Credit Union 2 6.69% $0
    Home Federal Savings Bank 2 6.38% $3,074
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.94% $7,231
    Nations Lending Corporation 2 7.06% $3,196
    National Exchange Bank and Trust 2 5.75% $2,152
    DAS Acquisition Company, LLC 2 7.81% $6,288
    Waterstone Mortgage Corporation 2 7.06% $5,636
    BROKER SOLUTIONS, INC. 2 6.74% $4,559
    WINGS FINANCIAL 2 6.19% $3,806
    Wells Fargo Bank 1 7.38% $3,866
    MOVEMENT MORTGAGE, LLC 1 7.06% $3,048
    ALTRA 1 6.40% $2,633
    Bankers' Bank 1 7.63% $1,923
    Bell Bank 1 6.88% $5,539
    BETTER MORTGAGE CORPORATION 1 7.63% $1,207
    Brokaw Credit Union 1 6.37% $2,029
    CAPITAL Credit Union 1 5.63% $2,160
    CARDINAL FINANCIAL 1 5.63% $7,377
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $8,170
    Deere Employees Credit Union 1 5.75% $3,559
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.75% $5,213
    ENDEAVOR CAPITAL, LLC. 1 6.50% $6,233
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.50% $2,960
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.38% $2,760
    First Savings Bank 1 6.63% $3,190
    Forward Bank 1 4.13% $1,068
    GUARANTEED RATE, INC. 1 7.13% $912
    Horicon Bank 1 6.25% $2,295
    IncredibleBank 1 6.50% $2,775
    INTERCAP LENDING INC. 1 7.25% $4,555
    Johnson Bank 1 6.25% $2,338
    Landmark Credit Union 1 6.50% $2,003
    MORTGAGE ACCESS CORP. 1 7.63% $3,649
    Mortgage Research Center, LLC 1 6.38% $4,120
    Ally Bank 1 6.50% $7,848
    Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $5,900
    NEWREZ LLC 1 6.49% $2,967
    North American Savings Bank, F.S.B. 1 8.63% $5,262
    PCM 1 5.75% $1,835
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.75% $3,071
    Stillman Bank 1 6.60% $2,096
    The Huntington National Bank 1 6.13% $4,265
    VERVE, A CREDIT UNION 1 6.63% $2,290

    Stevens Point Average Closing Costs & Other Stats

    Stevens Point, WI's 67 lenders originated 1,140 loans during 2023. The total origination value was $214,960,000, with an average loan value of $188,561.

    Stevens Point's average closing costs are $3,255.

    The top Stevens Point lender as defined by loan originations is U.S. Bank, with 83 loans originated. Their average total fees are $3,119, which is $103 lower than the next largest lender, CoVantage Credit Union.

    The lowest fee Stevens Point lenders (with over 10 loans originated) are Summit Credit Union ($2,512), Associated Bank ($2,583), University of Wisconsin Credit Union ($2,738), Bank First, N.A. ($2,808) and U.S. Bank ($3,119).

    The lowest rate Stevens Point lenders (with over 10 loans originated) are University of Wisconsin Credit Union (6.31%), CoVantage Credit Union (6.41%), Summit Credit Union (6.45%), JPMorgan Chase Bank (6.52%) and Associated Bank (6.59%).

    Stevens Point, WI Mortgage Market Share & Volume

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

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    CoVantage Credit Union $23,950,000 $30,330,000 26.6% 14.1%
    U.S. Bank $26,880,000 $27,020,000 0.5% 12.6%
    University of Wisconsin Credit Union $14,815,000 $14,225,000 -4.0% 6.6%
    North Shore Bank FSB $13,010,000 $12,920,000 -0.7% 6.0%
    Associated Bank $13,285,000 $9,885,000 -25.6% 4.6%
    QUICKEN LOANS, LLC $9,115,000 $8,885,000 -2.5% 4.1%
    WALKER & DUNLOP, LLC $5,620,000 n/a 2.6%
    Bank First, N.A. $13,000,000 $5,185,000 -60.1% 2.4%
    UNITED WHOLESALE MORTGAGE, LLC $5,500,000 $4,705,000 -14.5% 2.2%
    BMO Harris Bank $6,085,000 $4,550,000 -25.2% 2.1%
    Summit Credit Union $2,790,000 $4,480,000 60.6% 2.1%
    Old National Bank $4,530,000 $4,040,000 -10.8% 1.9%
    Prevail Bank $7,995,000 $3,185,000 -60.2% 1.5%
    JPMorgan Chase Bank $4,245,000 $2,990,000 -29.6% 1.4%
    Nicolet National Bank $3,725,000 $2,920,000 -21.6% 1.4%
    Mortgage Research Center, LLC $4,885,000 $2,750,000 -43.7% 1.3%
    Peoples State Bank $4,550,000 $2,710,000 -40.4% 1.3%
    EVERETT FINANCIAL, INC. $3,625,000 $2,505,000 -30.9% 1.2%
    GUILD MORTGAGE COMPANY $2,505,000 n/a 1.2%
    Valley Communities Credit Union $2,675,000 $2,300,000 -14.0% 1.1%
    First Federal Bank $1,890,000 $2,005,000 6.1% 0.9%
    V.I.P. MORTGAGE, INC. $1,790,000 n/a 0.8%
    Connexus Credit Union $1,665,000 n/a 0.8%
    Community First Bank $1,565,000 n/a 0.7%
    Oak Bank $1,565,000 n/a 0.7%
    WOODTRUST BANK $3,780,000 $1,530,000 -59.5% 0.7%
    Barrington Bank & Trust Company, N.A. $865,000 $1,520,000 75.7% 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,250,000 $1,280,000 -43.1% 0.6%
    USAA Federal Savings Bank $1,125,000 n/a 0.5%
    Nations Lending Corporation $730,000 $1,095,000 50.0% 0.5%
    AgCountry Farm Credit Services, FLCA $1,735,000 $1,075,000 -38.0% 0.5%
    Ixonia Bank $440,000 $975,000 121.6% 0.5%
    Johnson Bank $270,000 $965,000 257.4% 0.4%
    PENNYMAC LOAN SERVICES, LLC $525,000 $965,000 83.8% 0.4%
    Forward Bank $925,000 $925,000 0.0% 0.4%
    Community First Credit Union $2,280,000 $885,000 -61.2% 0.4%
    Waterstone Mortgage Corporation $3,400,000 $800,000 -76.5% 0.4%
    Servion, Inc. $2,740,000 $770,000 -71.9% 0.4%
    TOWNE MORTGAGE COMPANY $2,385,000 $745,000 -68.8% 0.3%
    FOX COMMUNITIES $1,425,000 $735,000 -48.4% 0.3%
    Intercity State Bank $700,000 n/a 0.3%
    PREMIA MORTGAGE, LLC $325,000 $700,000 115.4% 0.3%
    ENDEAVOR CAPITAL, LLC. $125,000 $695,000 456.0% 0.3%
    BROKER SOLUTIONS, INC. $1,605,000 $615,000 -61.7% 0.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $395,000 $540,000 36.7% 0.3%
    IncredibleBank $2,515,000 $535,000 -78.7% 0.2%
    National Exchange Bank and Trust $680,000 $530,000 -22.1% 0.2%
    WINGS FINANCIAL $245,000 $530,000 116.3% 0.2%
    Cloverbelt Credit Union $1,410,000 $510,000 -63.8% 0.2%
    Royal Credit Union $475,000 $505,000 6.3% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $255,000 $490,000 92.2% 0.2%
    The Huntington National Bank $730,000 $465,000 -36.3% 0.2%
    DAS Acquisition Company, LLC $310,000 $450,000 45.2% 0.2%
    EDUCATORS CREDIT UNION $45,000 $445,000 888.9% 0.2%
    CARDINAL FINANCIAL $155,000 $415,000 167.7% 0.2%
    Paramount Residential Mortgage Group, Inc. $95,000 $400,000 321.1% 0.2%
    MOVEMENT MORTGAGE, LLC $390,000 n/a 0.2%
    Collins State Bank $295,000 $365,000 23.7% 0.2%
    FORTE BANK $360,000 n/a 0.2%
    Bank of Milton $355,000 n/a 0.2%
    Deere Employees Credit Union $355,000 n/a 0.2%
    Prosperity Home Mortgage, LLC $2,390,000 $345,000 -85.6% 0.2%
    Bremer Bank $535,000 $335,000 -37.4% 0.2%
    Landmark Credit Union $1,480,000 $335,000 -77.4% 0.2%
    Home Federal Savings Bank $330,000 n/a 0.2%
    LOANDEPOT.COM, LLC $1,520,000 $330,000 -78.3% 0.2%
    GUARANTEED RATE, INC. $2,410,000 $325,000 -86.5% 0.2%
    Horicon Bank $295,000 n/a 0.1%
    ROUNDPOINT MORTGAGE SERVICING CORPORATION $295,000 n/a 0.1%
    Ally Bank $305,000 $285,000 -6.6% 0.1%
    Bell Bank $285,000 n/a 0.1%
    Brokaw Credit Union $200,000 $280,000 40.0% 0.1%
    Carrington Mortgage Services, LLC $660,000 $270,000 -59.1% 0.1%
    Bankers' Bank $2,560,000 $265,000 -89.6% 0.1%
    ZILLOW HOME LOANS, LLC $135,000 $265,000 96.3% 0.1%
    FIRST CENTENNIAL MORTGAGE CORPORATION $925,000 $255,000 -72.4% 0.1%
    NEWREZ LLC $290,000 $255,000 -12.1% 0.1%
    PCM $255,000 n/a 0.1%
    Plains Commerce Bank $255,000 n/a 0.1%
    T2 FINANCIAL LLC $210,000 $255,000 21.4% 0.1%
    The Federal Savings Bank $125,000 $255,000 104.0% 0.1%
    North American Savings Bank, F.S.B. $245,000 n/a 0.1%
    First National Bank of Brookfield $235,000 n/a 0.1%
    First Savings Bank $235,000 n/a 0.1%
    Figure Lending LLC $150,000 $230,000 53.3% 0.1%
    NAVY FEDERAL CREDIT UNION $655,000 $225,000 -65.6% 0.1%
    Tri City National Bank $1,835,000 $225,000 -87.7% 0.1%
    Marathon Bank $215,000 $215,000 0.0% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $215,000 n/a 0.1%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $205,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $115,000 $205,000 78.3% 0.1%
    ALTRA $145,000 $195,000 34.5% 0.1%
    LEADERONE FINANCIAL CORPORATION $195,000 n/a 0.1%
    WISCONSIN MORTGAGE CORPORATION $185,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $430,000 $180,000 -58.1% 0.1%
    Commerce Home Mortgage, Inc. $175,000 n/a 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $1,820,000 $175,000 -90.4% 0.1%
    OCMBC, INC. $175,000 n/a 0.1%
    Stillman Bank $175,000 n/a 0.1%
    VERIDIAN CREDIT UNION $175,000 n/a 0.1%
    Bank of America $305,000 $160,000 -47.5% 0.1%
    Citadel Servicing Corporation $155,000 n/a 0.1%
    Spring Bank $155,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $145,000 n/a 0.1%
    Baraboo State Bank $145,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $145,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $480,000 $145,000 -69.8% 0.1%
    Wells Fargo Bank $2,210,000 $145,000 -93.4% 0.1%
    MORTGAGE ACCESS CORP. $135,000 n/a 0.1%
    CAPITAL Credit Union $150,000 $125,000 -16.7% 0.1%
    Flagstar Bank, FSB $15,000 $125,000 733.3% 0.1%
    FREEDOM MORTGAGE CORPORATION $1,185,000 $125,000 -89.5% 0.1%
    AMERISAVE MORTGAGE CORPORATION $330,000 $115,000 -65.2% 0.1%
    ROYAL UNITED MORTGAGE LLC $170,000 $115,000 -32.4% 0.1%
    AMERICAN FINANCING CORPORATION $145,000 $105,000 -27.6% 0.0%
    GreenStone Farm Credit Services, FLCA $105,000 n/a 0.0%
    Mr. Cooper ( Nationstar Mortgage ) $1,175,000 $95,000 -91.9% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $80,000 $90,000 12.5% 0.0%
    Discover Bank $85,000 n/a 0.0%
    Transportation Federal Credit Union $85,000 n/a 0.0%
    VERVE, A CREDIT UNION $85,000 n/a 0.0%
    INTERCAP LENDING INC. $75,000 n/a 0.0%
    MARINE $665,000 $45,000 -93.2% 0.0%
    WINNEBAGO COMMUNITY $45,000 n/a 0.0%
    Coastal Community Bank $40,000 n/a 0.0%
    GREENSTATE CREDIT UNION $35,000 n/a 0.0%
    PNC Bank $70,000 $35,000 -50.0% 0.0%
    STAR USA FEDERAL CREDIT UNION $25,000 n/a 0.0%

    Stevens Point's top lender by overall market share is CoVantage Credit Union, with 14.1% market share. In second place, with 12.6%, is U.S. Bank, having originated $27,020,000 in loans. In third place, with 6.6%, is University of Wisconsin Credit Union, having originated $14,225,000 in loans. In fourth place, with 6.0%, is North Shore Bank FSB, having originated $12,920,000 in loans. In fifth place, with 4.6%, is Associated Bank, having originated $9,885,000 in loans.

    Stevens Point Housing Market Trends (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 (17.7%) $246,971 (13.4%) 0.00 179
    2018-02-01 $208,675 (22.8%) $246,302 (13.1%) 0.00 171
    2018-03-01 $228,900 (20.5%) $249,616 (8.5%) 0.00 171
    2018-04-01 $234,900 (20.7%) $263,791 (13.8%) 0.00 181
    2018-05-01 $227,400 (11.0%) $253,782 (6.3%) 0.00 220
    2018-06-01 $218,900 (9.5%) $246,809 (2.5%) 0.00 273
    2018-07-01 $219,900 (4.8%) $247,527 (1.2%) 0.00 265
    2018-08-01 $219,900 (8.7%) $247,030 (2.2%) 0.00 248
    2018-09-01 $215,000 (8.0%) $249,223 (5.1%) 0.00 234
    2018-10-01 $203,700 (2.1%) $245,465 (2.7%) 0.00 232
    2018-11-01 $199,900 (0.2%) $249,000 (3.1%) 0.00 198
    2018-12-01 $191,250 (-4.3%) $238,719 (-3.1%) 0.00 169
    2019-01-01 $187,450 (-6.2%) $245,736 (-0.5%) 0.00 140
    2019-02-01 $199,900 (-4.2%) $253,495 (2.9%) 0.00 136
    2019-03-01 $210,614 (-8.0%) $258,264 (3.5%) 0.00 147
    2019-04-01 $228,650 (-2.7%) $264,258 (0.2%) 0.00 162
    2019-05-01 $239,900 (5.5%) $259,865 (2.4%) 0.00 202
    2019-06-01 $229,900 (5.0%) $246,278 (-0.2%) 0.00 262
    2019-07-01 $228,650 (4.0%) $245,252 (-0.9%) 0.00 263
    2019-08-01 $225,823 (2.7%) $247,553 (0.2%) 0.00 245
    2019-09-01 $219,707 (2.2%) $250,412 (0.5%) 0.00 245
    2019-10-01 $215,630 (5.9%) $252,335 (2.8%) 0.00 237
    2019-11-01 $212,450 (6.3%) $256,340 (3.0%) 0.00 211
    2019-12-01 $217,400 (13.7%) $257,691 (8.0%) 0.00 178
    2020-01-01 $223,700 (19.3%) $259,654 (5.7%) 0.00 156
    2020-02-01 $228,900 (14.5%) $261,193 (3.0%) 0.00 166
    2020-03-01 $237,675 (12.9%) $265,701 (2.9%) 0.00 172
    2020-04-01 $239,900 (4.9%) $264,258 (0.0%) 0.00 176
    2020-05-01 $279,900 (16.7%) $295,224 (13.6%) 0.00 91
    2020-06-01 $263,700 (14.7%) $297,346 (20.7%) 0.00 92
    2020-07-01 $273,400 (19.6%) $297,864 (21.5%) 0.00 84
    2020-08-01 $270,000 (19.6%) $307,770 (24.3%) 0.00 81
    2020-09-01 $270,735 (23.2%) $308,633 (23.3%) 0.00 83
    2020-10-01 $250,000 (15.9%) $280,461 (11.2%) 0.00 82
    2020-11-01 $238,925 (12.5%) $281,904 (10.0%) 0.00 78
    2020-12-01 $217,900 (0.2%) $290,222 (12.6%) 0.00 60
    2021-01-01 $250,000 (11.8%) $299,077 (15.2%) 0.00 45
    2021-02-01 $259,950 (13.6%) $306,702 (17.4%) 0.00 47
    2021-03-01 $259,175 (9.1%) $311,800 (17.4%) 0.00 41
    2021-04-01 $289,900 (20.8%) $325,507 (23.2%) 0.00 39
    2021-05-01 $299,900 (7.2%) $348,964 (18.2%) 0.00 39
    2021-06-01 $279,925 (6.2%) $323,535 (8.8%) 0.00 58
    2021-07-01 $277,400 (1.5%) $315,742 (6.0%) 0.00 70
    2021-08-01 $259,450 (-3.9%) $311,038 (1.1%) 0.00 80
    2021-09-01 $290,675 (7.4%) $318,390 (3.2%) 0.00 77
    2021-10-01 $289,900 (16.0%) $327,802 (16.9%) 0.00 75
    2021-11-01 $297,400 (24.5%) $318,111 (12.8%) 0.00 70
    2021-12-01 $297,400 (36.5%) $319,537 (10.1%) 0.00 61
    2022-01-01 $325,000 (30.0%) $417,675 (39.7%) 0.00 49
    2022-02-01 $338,258 (30.1%) $429,687 (40.1%) 0.00 38
    2022-03-01 $338,495 (30.6%) $424,224 (36.1%) 0.00 34
    2022-04-01 $322,780 (11.3%) $420,174 (29.1%) 0.00 30
    2022-05-01 $322,800 (7.6%) $337,410 (-3.3%) 0.00 43
    2022-06-01 $304,900 (8.9%) $328,960 (1.7%) 0.00 49
    2022-07-01 $369,900 (33.4%) $423,896 (34.3%) 0.00 48
    2022-08-01 $359,750 (38.7%) $433,156 (39.3%) 0.00 49
    2022-09-01 $374,014 (28.7%) $429,277 (34.8%) 0.00 55
    2022-10-01 $349,900 (20.7%) $431,916 (31.8%) 0.00 47
    2022-11-01 $390,585 (31.3%) $475,056 (49.3%) 0.00 48
    2022-12-01 $385,000 (29.5%) $399,152 (24.9%) 0.00 47
    2023-01-01 $372,114 (14.5%) $376,274 (-9.9%) 0.00 35
    2023-02-01 $364,685 (7.8%) $373,142 (-13.2%) 0.00 38
    2023-03-01 $372,360 (10.0%) $398,421 (-6.1%) 0.00 40
    2023-04-01 $353,685 (9.6%) $451,105 (7.4%) 0.00 37
    2023-05-01 $336,200 (4.2%) $432,723 (28.3%) 0.00 39
    2023-06-01 $300,800 (-1.3%) $387,987 (17.9%) 0.00 57
    2023-07-01 $329,900 (-10.8%) $396,061 (-6.6%) 0.00 61
    2023-08-01 $351,818 (-2.2%) $375,168 (-13.4%) 0.00 63
    2023-09-01 $350,000 (-6.4%) $389,742 (-9.2%) 0.00 74
    2023-10-01 $342,900 (-2.0%) $389,467 (-9.8%) 0.00 76
    2023-11-01 $329,925 (-15.5%) $374,391 (-21.2%) 0.00 80
    2023-12-01 $325,000 (-15.6%) $368,876 (-7.6%) 0.00 67
    2024-01-01 $338,675 (-9.0%) $389,513 (3.5%) 0.00 60
    2024-02-01 $363,843 (-0.2%) $384,245 (3.0%) 0.00 51
    2024-03-01 $368,685 (-1.0%) $393,426 (-1.3%) 0.00 52
    2024-04-01 $373,793 (5.7%) $421,722 (-6.5%) 0.00 52
    2024-05-01 $381,896 (13.6%) $402,749 (-6.9%) 0.00 54
    2024-06-01 $388,685 (29.2%) $416,877 (7.5%) 0.00 58
    2024-07-01 $381,055 (15.5%) $400,794 (1.2%) 0.00 69
    2024-08-01 $377,450 (7.3%) $442,598 (18.0%) 0.00 81
    2024-09-01 $380,382 (8.7%) $431,639 (10.8%) 0.00 86
    2024-10-01 $381,287 (11.2%) $431,605 (10.8%) 0.00 75
    2024-11-01 $384,900 (16.7%) $432,338 (15.5%) 0.00 72
    Stevens Point's median listing price for 2024-11-01 was $384,900, a difference of $54,975 (16.7%) versus the prior year and $3,613 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 2024-11-01 was $432,338, a difference of $57,947 (15.5%) versus the prior year and $733 versus the prior month.

    For the 2024-11-01 period, Stevens Point had 72 MLS listings, a difference of -3 listings (-4%) versus the prior month and -8 listings (-10%) 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 2,005 sqft
    2018-02-01 0 days 2,034 sqft
    2018-03-01 0 days 2,135 sqft
    2018-04-01 0 days 2,165 sqft
    2018-05-01 0 days 2,128 sqft
    2018-06-01 0 days 2,038 sqft
    2018-07-01 0 days 2,047 sqft
    2018-08-01 0 days 2,050 sqft
    2018-09-01 0 days 2,064 sqft
    2018-10-01 0 days 2,060 sqft
    2018-11-01 0 days 2,094 sqft
    2018-12-01 0 days 1,983 sqft
    2019-01-01 0 days 1,971 sqft
    2019-02-01 0 days 1,979 sqft
    2019-03-01 0 days 2,010 sqft
    2019-04-01 0 days 2,069 sqft
    2019-05-01 0 days 2,082 sqft
    2019-06-01 0 days 2,026 sqft
    2019-07-01 0 days 2,060 sqft
    2019-08-01 0 days 2,081 sqft
    2019-09-01 0 days 2,112 sqft
    2019-10-01 0 days 2,137 sqft
    2019-11-01 0 days 2,172 sqft
    2019-12-01 0 days 2,174 sqft
    2020-01-01 0 days 2,160 sqft
    2020-02-01 0 days 2,177 sqft
    2020-03-01 0 days 2,223 sqft
    2020-04-01 0 days 2,105 sqft
    2020-05-01 0 days 2,400 sqft
    2020-06-01 0 days 2,269 sqft
    2020-07-01 0 days 2,333 sqft
    2020-08-01 0 days 2,252 sqft
    2020-09-01 0 days 2,227 sqft
    2020-10-01 0 days 2,020 sqft
    2020-11-01 0 days 1,971 sqft
    2020-12-01 0 days 1,934 sqft
    2021-01-01 0 days 1,853 sqft
    2021-02-01 0 days 1,964 sqft
    2021-03-01 0 days 1,983 sqft
    2021-04-01 0 days 2,035 sqft
    2021-05-01 0 days 2,005 sqft
    2021-06-01 0 days 1,959 sqft
    2021-07-01 0 days 2,018 sqft
    2021-08-01 0 days 2,035 sqft
    2021-09-01 0 days 2,090 sqft
    2021-10-01 0 days 2,038 sqft
    2021-11-01 0 days 2,021 sqft
    2021-12-01 0 days 2,011 sqft
    2022-01-01 0 days 2,090 sqft
    2022-02-01 0 days 2,062 sqft
    2022-03-01 0 days 1,995 sqft
    2022-04-01 0 days 1,942 sqft
    2022-05-01 0 days 1,941 sqft
    2022-06-01 0 days 1,956 sqft
    2022-07-01 0 days 2,110 sqft
    2022-08-01 0 days 2,161 sqft
    2022-09-01 0 days 2,193 sqft
    2022-10-01 0 days 2,096 sqft
    2022-11-01 0 days 2,416 sqft
    2022-12-01 0 days 2,352 sqft
    2023-01-01 0 days 1,995 sqft
    2023-02-01 0 days 1,926 sqft
    2023-03-01 0 days 1,915 sqft
    2023-04-01 0 days 1,840 sqft
    2023-05-01 0 days 1,731 sqft
    2023-06-01 0 days 1,778 sqft
    2023-07-01 0 days 1,850 sqft
    2023-08-01 0 days 2,061 sqft
    2023-09-01 0 days 2,154 sqft
    2023-10-01 0 days 2,094 sqft
    2023-11-01 0 days 2,090 sqft
    2023-12-01 0 days 2,014 sqft
    2024-01-01 0 days 2,111 sqft
    2024-02-01 0 days 1,958 sqft
    2024-03-01 0 days 1,890 sqft
    2024-04-01 0 days 2,006 sqft
    2024-05-01 0 days 1,887 sqft
    2024-06-01 0 days 1,988 sqft
    2024-07-01 0 days 1,919 sqft
    2024-08-01 0 days 2,016 sqft
    2024-09-01 0 days 2,015 sqft
    2024-10-01 0 days 1,931 sqft
    2024-11-01 0 days 1,998 sqft
    Stevens Point's median listing age (time on market) for 2024-11-01 was 0 days.

    Stevens Point's median square footage for active listings during the 2024-11-01 period was 1,998 sqft. One year prior, the average listing was 2,090 sqft.

    Stevens Point, WI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 556 $145,840,000 $262,302
    Other 184 $12,920,000 $70,217
    Cash Out Refi 178 $21,130,000 $118,708
    Refi 131 $29,205,000 $222,939
    Home Improvement 91 $5,865,000 $64,451

    Stevens Point's most frequently cited loan purpose was Home Purchase, with 556 originations. The 2nd most popular reason was Other, with 184 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 371 $73,505,000 $198,127
    7-8% 297 $59,585,000 $200,623
    5-6% 178 $50,090,000 $281,404
    Over 8% 165 $15,735,000 $95,364
    4-5% 42 $4,030,000 $95,952
    3-4% 29 $2,265,000 $78,103
    <2.5% 22 $1,820,000 $82,727
    2.5-3% 2 $160,000 $80,000

    During 2023, Stevens Point's most frequently originated rate bucket was 6-7%, with 371 originations.

    Loan Sizing (Stevens Point, WI MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 435 $21,605,000 $49,667
    $100k-200k 331 $48,915,000 $147,779
    $200k-400k 316 $85,910,000 $271,867
    $400k-600k 40 $19,340,000 $483,500
    $600k-1000k 11 $7,915,000 $719,545
    $Over $1MM 7 $31,275,000 $4,467,857

    Stevens Point's loan sizing saw the bucket of loans from $100,000 or less with 435 originations, totaling $21,605,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 367 $102,315,000 $278,787
    Under 20% 221 $11,435,000 $51,742
    20-40% 205 $17,175,000 $83,780
    60-80% 202 $59,390,000 $294,010
    40-60% 105 $15,855,000 $151,000
    Over 100% 2 $730,000 $365,000

    Stevens Point's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 367 originations, totaling $102,315,000 in origination value.