Watertown - Fort Atkinson Mortgage Rates

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

30 Year Fixed Rate mortgages in Watertown - Fort Atkinson 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 5.97% and one month ago for the week of 2022-05-26, the average rate was 5.46%.

Watertown - Fort Atkinson's average rate one year ago was 3.07%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.56%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Watertown - Fort Atkinson 30 Year Fixed Rate 2022-06-30 5.76%
Watertown - Fort Atkinson 30 Year Fixed Rate Refi 2022-06-30 5.56%
Watertown - Fort Atkinson 15 Year Fixed Rate 2022-06-30 5.58%
Watertown - Fort Atkinson 15 Year Fixed Rate Refi 2022-06-30 4.97%
Watertown - Fort Atkinson 30 Year FHA 2022-06-30 5.79%
Watertown - Fort Atkinson 30 Year FHA Refi 2022-06-30 5.78%
Watertown - Fort Atkinson 30 Year USDA 2022-06-30 5.48%
Watertown - Fort Atkinson 30 Year USDA Refi 2022-06-30 5.6%
Watertown - Fort Atkinson 30 Year VA 2022-06-30 5.72%
Watertown - Fort Atkinson 30 Year VA Refi 2022-06-30 5.16%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Watertown-Fort Atkinson, WI.

Watertown - Fort Atkinson 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 Watertown-Fort Atkinson, 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
Summit Credit Union 196 2.96% $2,445
Servion, Inc. 160 3.07% $1,671
PremierBank 119 3.04% $1,589
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 105 3.16% $2,811
Johnson Bank 71 3.05% $2,104
University of Wisconsin Credit Union 70 2.91% $2,883
Landmark Credit Union 63 3.11% $1,749
QUICKEN LOANS, LLC 55 3.09% $4,670
Associated Bank 51 3.15% $1,989
Badger Bank 51 3.09% $1,597
Wells Fargo Bank 40 3.16% $1,718
The Greenwood's State Bank 39 2.88% $1,496
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 34 3.19% $4,551
Bank Five Nine 33 3.14% $2,065
Farmers & Merchants State Bank 31 3.07% $2,114
UNITED WHOLESALE MORTGAGE, LLC 28 3.07% $3,317
THOMPSON KANE & COMPANY, LLC 28 2.95% $2,288
NEWREZ LLC 26 3.16% $2,318
LOANDEPOT.COM, LLC 25 3.11% $3,885
WISCONSIN MORTGAGE CORPORATION 25 3.13% $2,481
INLANTA MORTGAGE, INC. 24 3.06% $2,630
Barrington Bank & Trust Company, N.A. 23 3.13% $2,915
First Federal Bank 23 3.14% $1,661
Ixonia Bank 23 3.08% $2,211
PARKSIDE LENDING, LLC 21 3.04% $3,073
Hometown Bank 21 2.88% $956
COMPEER FINANCIAL, FLCA 20 3.61% $3,550
Mr. Cooper ( Nationstar Mortgage ) 20 3.23% $3,825
Waukesha State Bank 20 3.18% $2,075
U.S. Bank 19 3.04% $2,213
GUARANTEED RATE, INC. 18 3.10% $2,647
Prosperity Home Mortgage, LLC 18 3.10% $2,706
Bank of Deerfield 16 3.09% $1,571
A + MORTGAGE SERVICES, INC. 16 2.99% $1,465
JPMorgan Chase Bank 14 3.17% $1,791
CALIBER HOME LOANS, INC. 13 3.19% $2,454
Bank of England 12 3.33% $4,215
Great Midwest Bank, S.S.B. 11 3.18% $2,646
The Park Bank 10 2.88% $1,923
BETTER MORTGAGE CORPORATION 10 3.01% $2,246
CMG MORTGAGE, INC. 10 3.26% $3,890
American Mortgage & Equity Consultants, Inc. 9 3.29% $2,225
Bell Bank 9 3.13% $2,551
Flagstar Bank, FSB 9 3.20% $2,525
AMERISAVE MORTGAGE CORPORATION 9 2.83% $4,417
PLANET HOME LENDING, LLC 8 2.98% $2,229
Blackhawk Community Credit Union 8 3.30% $2,391
GUILD MORTGAGE COMPANY 8 3.16% $5,447
FIRST STATE MORTGAGE SERVICES, LLC 7 3.20% $2,701
GSF Mortgage Corporation 7 2.94% $3,012
MUTUAL OF OMAHA MORTGAGE, INC. 6 3.14% $4,067
Paramount Residential Mortgage Group, Inc. 6 3.23% $3,021
Oregon Community Bank 6 2.84% $2,255
Old National Bank 6 3.15% $1,996
CHERRY CREEK MORTGAGE, LLC 6 3.33% $1,118
PyraMax Bank, FSB 6 3.10% $1,674
Waterstone Mortgage Corporation 6 3.29% $2,250
HOME POINT FINANCIAL CORPORATION 6 3.06% $3,747
ENVOY MORTGAGE, LTD 6 3.31% $3,022
FIRST CENTENNIAL MORTGAGE CORPORATION 6 3.00% $2,383
FINANCE OF AMERICA MORTGAGE LLC 5 2.98% $2,909
The Equitable Bank, S.S.B. 5 3.00% $1,763
BROKER SOLUTIONS, INC. 5 3.19% $3,574
T2 FINANCIAL LLC 4 3.25% $4,317
STEARNS LENDING, LLC 4 3.22% $3,089
Citizens Bank 4 3.03% $2,003
Citizens Bank 4 3.22% $2,647
North Shore Bank FSB 4 3.16% $1,802
Settlers Bank 4 2.81% $2,346
NATIONS RELIABLE LENDING, LLC 4 3.19% $4,310
FREEDOM MORTGAGE CORPORATION 4 3.19% $1,537
EDUCATORS CREDIT UNION 4 2.97% $1,626
BMO Harris Bank 4 3.06% $3,256
TOTAL MORTGAGE SERVICES, LLC 4 3.25% $3,097
The First National Bank and Trust Company 4 3.38% $1,770
Monona Bank 4 3.00% $2,306
PENNYMAC LOAN SERVICES, LLC 4 3.37% $4,098
Ally Bank 4 3.03% $2,905
Bank First, N.A. 4 2.91% $1,233
The Bank of New Glarus 4 2.88% $1,722
Westbury Bank 3 2.75% $1,343
Tri City National Bank 3 3.17% $2,032
CIBC Bank USA 3 3.33% $2,588
Heartland Credit Union (Madison) 3 2.88% $2,339
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 2.96% $4,199
Bank of Sun Prairie 3 2.88% $2,179
State Bank of Cross Plains 3 3.00% $1,796
InterContinental Capital Group, Inc 3 2.88% $4,979
CROSSCOUNTRY MORTGAGE, LLC 3 3.17% $4,195
ROYAL UNITED MORTGAGE LLC 3 3.00% $5,491
Bank of America 3 3.13% $2,115
MARINE 3 8.11% $5,554
LAKEVIEW LOAN SERVICING, LLC 3 3.71% $2,022
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.83% $2,954
LEADERONE FINANCIAL CORPORATION 3 2.83% $2,396
First Midwest Bank 3 3.08% $3,136
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.71% $3,791
Arvest Bank 2 3.13% $2,690
Coulee Bank 2 2.94% $2,108
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 3.16% $2,368
DUPACO COMMUNITY 2 2.81% $2,858
CIBM Bank 2 3.31% $1,825
First Community Credit Union 2 3.25% $1,573
First Guaranty Mortgage Corporation 2 3.18% $6,503
GUARANTEED RATE AFFINITY, LLC 2 3.31% $2,572
HERITAGE CREDIT UNION 2 3.06% $1,789
HOMESIDE FINANCIAL, LLC 2 3.31% $3,134
Carrington Mortgage Services, LLC 2 3.31% $5,908
Byron Bank 2 3.10% $2,049
Loan Simple, Inc. 2 2.93% $2,001
Mound City Bank 2 3.06% $2,273
PNC Bank 2 3.56% $3,256
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.69% $2,671
Bankers' Bank 2 3.19% $2,877
AXIA FINANCIAL, LLC 2 3.19% $2,718
ACADEMY MORTGAGE CORPORATION 2 3.56% $2,388
AmeriHome Mortgage Company, LLC 2 3.13% $1,789
TIAA, FSB 2 3.00% $8,920
AMERICAN FINANCING CORPORATION 2 3.50% $5,761
V.I.P. MORTGAGE, INC. 2 3.31% $3,031
AMERICAN FINANCIAL NETWORK, INC. 2 3.25% $11,711
VERVE, A CREDIT UNION 1 2.88% $2,067
LENDERFI, INC. 1 3.13% $1,523
LAND HOME FINANCIAL SERVICES, INC. 1 3.50% $3,905
Key Mortgage Services, Inc. 1 3.88% $3,154
Alerus Financial 1 3.25% $1,765
Royal Bank 1 2.63% $2,541
JLB CORPORATION 1 3.88% $3,301
Watermark Capital, Inc. 1 2.50% $2,459
IOWA BANKERS MORTGAGE CORPORATION 1 2.75% $2,549
Sierra Pacific Mortgage Company, Inc. 1 2.88% $3,747
SPIRE Credit Union 1 3.13% $3,696
Starion Bank 1 3.00% $795
IncredibleBank 1 2.88% $3,592
IAA Credit Union 1 3.75% $1,886
Stifel Bank and Trust 1 2.38% $1,890
Stillman BancCorp N.A. 1 3.35% $2,111
ZILLOW HOME LOANS, LLC 1 3.00% $5,098
Hometown Lenders, Inc. 1 2.99% $2,324
CELEBRITY HOME LOANS, LLC 1 3.13% $3,560
The Central Trust Bank 1 2.50% $1,013
Home State Bank 1 3.00% $2,443
The Federal Savings Bank 1 3.00% $5,556
Home Federal Savings Bank 1 3.38% $1,708
Chicago Mortgage Solutions LLC 1 2.62% $1,010
The Huntington National Bank 1 2.63% $4,373
FIRST COMMUNITY MORTGAGE, INC. 1 2.75% $2,594
The Peoples Community Bank 1 2.88% $3,142
Citizens Community Federal 1 4.38% $3,042
DAS Acquisition Company, LLC 1 3.38% $2,665
Fox Valley Savings Bank 1 3.50% $1,095
TOWNE MORTGAGE COMPANY 1 4.13% $3,055
Forward Bank 1 2.75% $1,588
Truist Bank 1 3.49% $2,616
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 3.13% $1,893
Fortress Bank 1 2.63% $1,940
FIRST NORTHERN Credit Union 1 2.75% $1,495
CORNERSTONE HOME LENDING, INC. 1 2.88% $3,837
Notre Dame Federal Credit Union Corporation 1 3.25% $2,344
Baxter Credit Union 1 3.00% $2,250
NAVY FEDERAL CREDIT UNION 1 2.63% $3,220
Mortgage Research Center, LLC 1 2.99% $3,327
MICHIGAN MUTUAL, INC. 1 2.99% $2,898
Manufacturers and Traders Trust Company 1 3.50% $3,002
PENTAGON FEDERAL CREDIT UNION 1 2.50% $2,179
Magnolia Bank 1 3.13% $3,458
VAN DYK MORTGAGE CORPORATION 1 4.13% $172
Blackhawk Bank 1 3.28% $3,037

Watertown-Fort Atkinson, WI's 168 lenders originated 4,628 loans during 2021. The total origination value was $891,970,000, with an average loan value of $192,733.

The top Watertown - Fort Atkinson lender as defined by loan originations is Summit Credit Union, with 196 loans originated. Their average total fees are $2,445, which is $774 higher than the next largest lender, Servion, Inc..

The lowest fee Watertown - Fort Atkinson lenders (with over 10 loans originated) are Hometown Bank ($956), A + MORTGAGE SERVICES, INC. ($1,465), The Greenwood's State Bank ($1,496), Bank of Deerfield ($1,571) and PremierBank ($1,589).

The lowest rate Watertown - Fort Atkinson lenders (with over 10 loans originated) are The Greenwood's State Bank (2.88%), Hometown Bank (2.88%), The Park Bank (2.88%), University of Wisconsin Credit Union (2.91%) and THOMPSON KANE & COMPANY, LLC (2.95%).

Watertown-Fort Atkinson, 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
Summit Credit Union $83,115,000 $96,615,000 16.2% 10.8%
PremierBank $82,275,000 $50,755,000 -38.3% 5.7%
Servion, Inc. $49,660,000 $47,350,000 -4.7% 5.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $29,085,000 $36,645,000 26.0% 4.1%
Johnson Bank $30,205,000 $33,700,000 11.6% 3.8%
Landmark Credit Union $41,465,000 $33,070,000 -20.2% 3.7%
University of Wisconsin Credit Union $27,140,000 $32,680,000 20.4% 3.7%
Badger Bank $48,140,000 $31,110,000 -35.4% 3.5%
QUICKEN LOANS, LLC $34,160,000 $30,625,000 -10.3% 3.4%
Associated Bank $15,515,000 $17,970,000 15.8% 2.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $24,490,000 $16,270,000 -33.6% 1.8%
The Greenwood's State Bank $28,120,000 $14,800,000 -47.4% 1.7%
Wells Fargo Bank $15,280,000 $13,615,000 -10.9% 1.5%
FREEDOM MORTGAGE CORPORATION $14,780,000 $12,845,000 -13.1% 1.4%
Farmers & Merchants State Bank $20,960,000 $12,240,000 -41.6% 1.4%
LOANDEPOT.COM, LLC $5,350,000 $11,560,000 116.1% 1.3%
Bank Five Nine $17,650,000 $11,070,000 -37.3% 1.2%
COMPEER FINANCIAL, FLCA $17,820,000 $11,060,000 -37.9% 1.2%
NEWREZ LLC $4,525,000 $11,060,000 144.4% 1.2%
U.S. Bank $8,365,000 $10,495,000 25.5% 1.2%
Mortgage Research Center, LLC $7,585,000 $10,035,000 32.3% 1.1%
Ixonia Bank $11,805,000 $9,945,000 -15.8% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $7,740,000 $9,360,000 20.9% 1.0%
INLANTA MORTGAGE, INC. $7,810,000 $9,045,000 15.8% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $11,875,000 $9,045,000 -23.8% 1.0%
Barrington Bank & Trust Company, N.A. $7,115,000 $8,865,000 24.6% 1.0%
THOMPSON KANE & COMPANY, LLC $11,250,000 $8,775,000 -22.0% 1.0%
Waukesha State Bank $4,455,000 $8,320,000 86.8% 0.9%
Bank of Deerfield $13,920,000 $8,265,000 -40.6% 0.9%
PARKSIDE LENDING, LLC $10,795,000 $7,480,000 -30.7% 0.8%
GUARANTEED RATE, INC. $5,440,000 $6,565,000 20.7% 0.7%
Hometown Bank $7,720,000 $6,175,000 -20.0% 0.7%
WISCONSIN MORTGAGE CORPORATION $9,085,000 $6,155,000 -32.3% 0.7%
Great Midwest Bank, S.S.B. $4,295,000 $6,140,000 43.0% 0.7%
First Federal Bank $7,760,000 $5,895,000 -24.0% 0.7%
CALIBER HOME LOANS, INC. $3,860,000 $5,635,000 46.0% 0.6%
JPMorgan Chase Bank $4,875,000 $5,535,000 13.5% 0.6%
Prosperity Home Mortgage, LLC $4,495,000 $5,325,000 18.5% 0.6%
Bank of England $4,865,000 $5,135,000 5.5% 0.6%
Bank First, N.A. $5,610,000 $4,815,000 -14.2% 0.5%
A + MORTGAGE SERVICES, INC. $9,475,000 $4,780,000 -49.6% 0.5%
PENNYMAC LOAN SERVICES, LLC $2,340,000 $4,670,000 99.6% 0.5%
LAKEVIEW LOAN SERVICING, LLC $2,675,000 $4,475,000 67.3% 0.5%
BMO Harris Bank $3,585,000 $4,430,000 23.6% 0.5%
Capitol Bank $2,035,000 $4,110,000 102.0% 0.5%
Blackhawk Community Credit Union $1,830,000 $3,980,000 117.5% 0.4%
GSF Mortgage Corporation $5,780,000 $3,945,000 -31.7% 0.4%
GUILD MORTGAGE COMPANY $4,470,000 $3,655,000 -18.2% 0.4%
HOME POINT FINANCIAL CORPORATION $4,595,000 $3,655,000 -20.5% 0.4%
CMG MORTGAGE, INC. $2,195,000 $3,610,000 64.5% 0.4%
Security Financial Bank $3,605,000 n/a 0.4%
FIRST STATE MORTGAGE SERVICES, LLC $3,570,000 $3,465,000 -2.9% 0.4%
Bell Bank $1,960,000 $3,365,000 71.7% 0.4%
BETTER MORTGAGE CORPORATION $850,000 $3,220,000 278.8% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,265,000 $3,165,000 150.2% 0.4%
Flagstar Bank, FSB $3,065,000 $3,150,000 2.8% 0.4%
The First National Bank and Trust Company $1,530,000 $3,110,000 103.3% 0.3%
CHERRY CREEK MORTGAGE, LLC $1,915,000 $3,065,000 60.1% 0.3%
Oregon Community Bank $1,520,000 $3,005,000 97.7% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,215,000 $2,895,000 138.3% 0.3%
Carrington Mortgage Services, LLC $1,855,000 $2,850,000 53.6% 0.3%
ENVOY MORTGAGE, LTD $3,755,000 $2,755,000 -26.6% 0.3%
American Mortgage & Equity Consultants, Inc. $1,145,000 $2,700,000 135.8% 0.3%
The Park Bank $2,610,000 $2,695,000 3.3% 0.3%
Citizens Bank $3,580,000 $2,460,000 -31.3% 0.3%
BROKER SOLUTIONS, INC. $455,000 $2,420,000 431.9% 0.3%
Paramount Residential Mortgage Group, Inc. $2,480,000 $2,410,000 -2.8% 0.3%
North Shore Bank FSB $5,460,000 $2,400,000 -56.0% 0.3%
USAA Federal Savings Bank $1,750,000 $2,330,000 33.1% 0.3%
Old National Bank $3,720,000 $2,260,000 -39.2% 0.3%
Waterstone Mortgage Corporation $1,910,000 $2,195,000 14.9% 0.2%
The Equitable Bank, S.S.B. $4,400,000 $2,125,000 -51.7% 0.2%
PLANET HOME LENDING, LLC $490,000 $2,085,000 325.5% 0.2%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $2,045,000 n/a 0.2%
EDUCATORS CREDIT UNION $2,045,000 $1,910,000 -6.6% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $360,000 $1,815,000 404.2% 0.2%
Monona Bank $1,425,000 $1,790,000 25.6% 0.2%
LEADERONE FINANCIAL CORPORATION $3,245,000 $1,725,000 -46.8% 0.2%
Bank of Sun Prairie $2,775,000 $1,705,000 -38.6% 0.2%
NATIONS RELIABLE LENDING, LLC $1,350,000 $1,705,000 26.3% 0.2%
NAVY FEDERAL CREDIT UNION $2,265,000 $1,685,000 -25.6% 0.2%
Bank of Milton $1,925,000 $1,675,000 -13.0% 0.2%
Wisconsin River Bank $750,000 $1,660,000 121.3% 0.2%
V.I.P. MORTGAGE, INC. $295,000 $1,645,000 457.6% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $860,000 $1,600,000 86.0% 0.2%
State Bank of Cross Plains $470,000 $1,570,000 234.0% 0.2%
Ally Bank $380,000 $1,500,000 294.7% 0.2%
PyraMax Bank, FSB $895,000 $1,485,000 65.9% 0.2%
The Bank of New Glarus $815,000 $1,410,000 73.0% 0.2%
Settlers Bank $1,260,000 $1,380,000 9.5% 0.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,725,000 $1,360,000 -21.2% 0.2%
Magnolia Bank $550,000 $1,315,000 139.1% 0.1%
First Midwest Bank $345,000 $1,310,000 279.7% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,850,000 $1,305,000 -29.5% 0.1%
PNC Bank $1,455,000 $1,290,000 -11.3% 0.1%
Starion Bank $1,055,000 $1,280,000 21.3% 0.1%
Citizens Bank $3,580,000 $1,275,000 -64.4% 0.1%
TOTAL MORTGAGE SERVICES, LLC $730,000 $1,240,000 69.9% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $630,000 $1,200,000 90.5% 0.1%
Tri City National Bank $560,000 $1,175,000 109.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $755,000 $1,145,000 51.7% 0.1%
The Federal Savings Bank $920,000 $1,145,000 24.5% 0.1%
DMB Community Bank $850,000 $1,135,000 33.5% 0.1%
Westbury Bank $280,000 $1,130,000 303.6% 0.1%
First Guaranty Mortgage Corporation $770,000 $1,120,000 45.5% 0.1%
InterContinental Capital Group, Inc $400,000 $1,120,000 180.0% 0.1%
CIBC Bank USA $505,000 $1,105,000 118.8% 0.1%
MARINE $880,000 $1,095,000 24.4% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,115,000 $1,040,000 -66.6% 0.1%
Bank of America $735,000 $1,000,000 36.1% 0.1%
Farmers and Merchants Union Bank $1,330,000 $950,000 -28.6% 0.1%
T2 FINANCIAL LLC $950,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $810,000 $935,000 15.4% 0.1%
STEARNS LENDING, LLC $2,600,000 $930,000 -64.2% 0.1%
Bankers' Bank $915,000 n/a 0.1%
Oak Bank $1,425,000 $905,000 -36.5% 0.1%
Dane County Credit Union $665,000 $890,000 33.8% 0.1%
DAS Acquisition Company, LLC $2,245,000 $870,000 -61.2% 0.1%
ACADEMY MORTGAGE CORPORATION $125,000 $845,000 576.0% 0.1%
First Community Credit Union $835,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $900,000 $830,000 -7.8% 0.1%
HOMESIDE FINANCIAL, LLC $825,000 n/a 0.1%
TIAA, FSB $810,000 n/a 0.1%
Heartland Credit Union (Madison) $1,875,000 $800,000 -57.3% 0.1%
First Savings Bank $360,000 $780,000 116.7% 0.1%
Byron Bank $105,000 $775,000 638.1% 0.1%
MID AMERICA MORTGAGE, INC. $760,000 n/a 0.1%
ARC HOME LLC $725,000 n/a 0.1%
Baxter Credit Union $55,000 $715,000 1,200.0% 0.1%
NBKC BANK $570,000 $695,000 21.9% 0.1%
AMERICAN FINANCING CORPORATION $645,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $480,000 $635,000 32.3% 0.1%
CIBM Bank $205,000 $615,000 200.0% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $525,000 $615,000 17.1% 0.1%
North American Savings Bank, F.S.B. $135,000 $605,000 348.1% 0.1%
Empower Credit Union $600,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $355,000 $560,000 57.7% 0.1%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $85,000 $560,000 558.8% 0.1%
CLEARPATH LENDING $1,495,000 $555,000 -62.9% 0.1%
IncredibleBank $390,000 $545,000 39.7% 0.1%
Manufacturers and Traders Trust Company $300,000 $545,000 81.7% 0.1%
The Huntington National Bank $545,000 n/a 0.1%
Think Mutual Bank $730,000 $520,000 -28.8% 0.1%
Cornerstone Community Bank $265,000 $515,000 94.3% 0.1%
Platinum Home Mortgage Corporation $505,000 n/a 0.1%
IOWA BANKERS MORTGAGE CORPORATION $475,000 n/a 0.1%
DUPACO COMMUNITY $175,000 $470,000 168.6% 0.1%
FNBC Bank & Trust $460,000 n/a 0.1%
The Central Trust Bank $455,000 n/a 0.1%
Coulee Bank $450,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $240,000 $450,000 87.5% 0.1%
Commerce State Bank $145,000 $440,000 203.4% 0.0%
HERITAGE CREDIT UNION $440,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $435,000 n/a 0.0%
Arvest Bank $430,000 n/a 0.0%
Loan Simple, Inc. $165,000 $430,000 160.6% 0.0%
Blackhawk Bank $425,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $410,000 n/a 0.0%
Kohler Credit Union $155,000 $410,000 164.5% 0.0%
Mound City Bank $410,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $800,000 $410,000 -48.8% 0.0%
Chicago Mortgage Solutions LLC $400,000 n/a 0.0%
CORNERSTONE HOME LENDING, INC. $1,485,000 $400,000 -73.1% 0.0%
AXIA FINANCIAL, LLC $390,000 n/a 0.0%
Citizens Community Federal $335,000 $390,000 16.4% 0.0%
Merchants Bank of Indiana $760,000 $390,000 -48.7% 0.0%
TRIAD FINANCIAL SERVICES, INC. $390,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $905,000 $380,000 -58.0% 0.0%
First Federal Bank of Kansas City $375,000 n/a 0.0%
River Bank $85,000 $375,000 341.2% 0.0%
Hometown Lenders, Inc. $260,000 $365,000 40.4% 0.0%
ROSS MORTGAGE CORPORATION $365,000 n/a 0.0%
Horicon Bank $765,000 $360,000 -52.9% 0.0%
First-Citizens Bank & Trust Company $85,000 $355,000 317.6% 0.0%
The Home Loan Expert LLC $355,000 n/a 0.0%
LOANSNAP, INC. $345,000 n/a 0.0%
Midland States Bank $265,000 $345,000 30.2% 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $135,000 $345,000 155.6% 0.0%
Stillman BancCorp N.A. $345,000 n/a 0.0%
IAA Credit Union $335,000 n/a 0.0%
Neighborhood Loans, Inc. $335,000 $335,000 0.0% 0.0%
Notre Dame Federal Credit Union Corporation $335,000 n/a 0.0%
Prevail Bank $305,000 $335,000 9.8% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $410,000 $330,000 -19.5% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $325,000 n/a 0.0%
National Exchange Bank and Trust $190,000 $310,000 63.2% 0.0%
THRIVE MORTGAGE, LLC $520,000 $310,000 -40.4% 0.0%
Cornerstone National Bank & Trust Company $305,000 $295,000 -3.3% 0.0%
Fox Valley Savings Bank $535,000 $285,000 -46.7% 0.0%
HOMESTEAD FUNDING CORP. $155,000 $275,000 77.4% 0.0%
Baraboo State Bank $270,000 n/a 0.0%
DEEPHAVEN MORTGAGE LLC $115,000 $265,000 130.4% 0.0%
Fortress Bank $265,000 n/a 0.0%
Midwest Community Bank $625,000 $265,000 -57.6% 0.0%
PHH Mortgage Corporation $605,000 $265,000 -56.2% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $270,000 $265,000 -1.9% 0.0%
The Peoples Community Bank $240,000 $265,000 10.4% 0.0%
VERVE, A CREDIT UNION $450,000 $265,000 -41.1% 0.0%
ZILLOW HOME LOANS, LLC $435,000 $265,000 -39.1% 0.0%
Alerus Financial $260,000 n/a 0.0%
FIRST NORTHERN Credit Union $255,000 n/a 0.0%
SPRING EQ, LLC $55,000 $250,000 354.5% 0.0%
Home Federal Savings Bank $345,000 $245,000 -29.0% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $490,000 $235,000 -52.0% 0.0%
Home State Bank $325,000 $235,000 -27.7% 0.0%
The First National Bank of Ottawa $235,000 n/a 0.0%
Bank of the West $225,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $225,000 n/a 0.0%
Citizens Bank Minnesota $225,000 n/a 0.0%
JLB CORPORATION $225,000 n/a 0.0%
LOANPAL, LLC $340,000 $215,000 -36.8% 0.0%
LENDERFI, INC. $205,000 n/a 0.0%
Guardian Credit Union $195,000 n/a 0.0%
FORTE BANK $295,000 $185,000 -37.3% 0.0%
Watermark Capital, Inc. $185,000 n/a 0.0%
AMERICAN ADVISORS GROUP $100,000 $180,000 80.0% 0.0%
Citibank $175,000 n/a 0.0%
Forward Bank $175,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $170,000 n/a 0.0%
AMCAP MORTGAGE, LTD. $165,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 n/a 0.0%
SPIRE Credit Union $165,000 n/a 0.0%
Equity Prime Mortgage LLC $155,000 n/a 0.0%
Stifel Bank and Trust $155,000 n/a 0.0%
First American Bank $340,000 $145,000 -57.4% 0.0%
Royal Bank $185,000 $145,000 -21.6% 0.0%
THRIVENT Federal Credit Union $805,000 $145,000 -82.0% 0.0%
21ST MORTGAGE CORPORATION $140,000 n/a 0.0%
The Port Washington State Bank $1,370,000 $140,000 -89.8% 0.0%
UNITEDONE Credit Union $135,000 n/a 0.0%
Royal Credit Union $615,000 $130,000 -78.9% 0.0%
Truist Bank $1,020,000 $125,000 -87.7% 0.0%
CO-OP Credit Union $115,000 n/a 0.0%
Key Mortgage Services, Inc. $440,000 $115,000 -73.9% 0.0%
Wisconsin Bank & Trust $115,000 n/a 0.0%
CoVantage Credit Union $500,000 $105,000 -79.0% 0.0%
Figure Lending LLC $190,000 $105,000 -44.7% 0.0%
MICHIGAN MUTUAL, INC. $315,000 $105,000 -66.7% 0.0%
Nations Lending Corporation $105,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $155,000 $105,000 -32.3% 0.0%
The Bank of Brodhead $460,000 $105,000 -77.2% 0.0%
TOWNE MORTGAGE COMPANY $760,000 $105,000 -86.2% 0.0%
VAN DYK MORTGAGE CORPORATION $225,000 $105,000 -53.3% 0.0%
CLEARPOINTE CAPITAL, LLC $270,000 $85,000 -68.5% 0.0%
WESCOM CENTRAL CREDIT UNION $85,000 n/a 0.0%
American National Bank - Fox Cities $65,000 n/a 0.0%
Denmark State Bank $335,000 $65,000 -80.6% 0.0%
CORNING $55,000 n/a 0.0%
GOVERNMENTAL EMPLOYEES $55,000 n/a 0.0%
Centier Bank $35,000 n/a 0.0%
Deere Employees Credit Union $715,000 $35,000 -95.1% 0.0%
Discover Bank $100,000 $35,000 -65.0% 0.0%
Home Loan Investment Bank, F.S.B. $75,000 $25,000 -66.7% 0.0%
WaterStone Bank, SSB $2,645,000 $25,000 -99.1% 0.0%

Watertown - Fort Atkinson's top lender by overall market share is Summit Credit Union, with 10.8% market share. In second place, with 5.7%, is PremierBank, having originated $50,755,000 in loans. In third place, with 5.3%, is Servion, Inc., having originated $47,350,000 in loans. In third place, with 4.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $36,645,000 in loans. In third place, with 3.8%, is Johnson Bank, having originated $33,700,000 in loans.


Watertown-Fort Atkinson, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,887 $359,165,000 $190,337
Home Purchase 1,312 $312,220,000 $237,973
Cash Out Refi 999 $191,675,000 $191,867
Home Improvement 219 $12,845,000 $58,653
Other 210 $14,020,000 $66,762
NA 1 $2,045,000 $2,045,000

Watertown - Fort Atkinson's most frequently cited loan purpose was Refi, with 1,887 originations. The 2nd most popular reason was Home Purchase, with 1,312 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,834 $373,380,000 $203,588
3-4% 1,318 $281,830,000 $213,832
<2.5% 1,232 $192,900,000 $156,575
4-5% 124 $25,200,000 $203,226
5-6% 40 $2,580,000 $64,500
Over 8% 19 $1,105,000 $58,158
7-8% 14 $840,000 $60,000
6-7% 11 $525,000 $47,727

During 2021, Watertown - Fort Atkinson's most frequently originated rate bucket was 2.5-3%, with 1,834 originations.

Loan Sizing (Watertown-Fort Atkinson, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,993 $298,745,000 $149,897
$200k-400k 1,617 $432,805,000 $267,659
$100,000 or less 829 $45,985,000 $55,470
$400k-600k 152 $71,330,000 $469,276
$600k-1000k 22 $15,930,000 $724,091
$Over $1MM 15 $27,175,000 $1,811,667

Watertown - Fort Atkinson's loan sizing saw the bucket of loans from $100k-200k with 1,993 originations, totaling $298,745,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,646 $357,690,000 $217,309
80-100% 1,245 $300,475,000 $241,345
40-60% 804 $139,610,000 $173,644
20-40% 399 $40,535,000 $101,591
Under 20% 389 $15,365,000 $39,499
Over 100% 19 $6,605,000 $347,632

Watertown - Fort Atkinson's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,646 originations, totaling $357,690,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Watertown - Fort Atkinson (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 $255,000 (8.5%) $317,325 (15.4%) 0.00 271
2018-02-01 $264,950 (12.8%) $331,822 (27.7%) 0.00 263
2018-03-01 $275,000 (19.6%) $350,885 (37.5%) 0.00 272
2018-04-01 $272,250 (11.1%) $343,672 (17.7%) 0.00 259
2018-05-01 $277,450 (12.1%) $370,517 (25.7%) 0.00 231
2018-06-01 $279,000 (11.6%) $362,146 (20.0%) 0.00 258
2018-07-01 $275,000 (7.8%) $349,632 (14.6%) 0.00 288
2018-08-01 $269,900 (4.8%) $342,737 (6.8%) 0.00 343
2018-09-01 $269,900 (2.9%) $332,950 (2.9%) 0.00 342
2018-10-01 $274,950 (5.8%) $339,884 (5.3%) 0.00 335
2018-11-01 $271,400 (8.6%) $331,641 (4.0%) 0.00 334
2018-12-01 $265,000 (3.9%) $319,764 (0.2%) 0.00 298
2019-01-01 $268,000 (5.1%) $329,171 (3.7%) 0.00 259
2019-02-01 $272,900 (3.0%) $341,071 (2.8%) 0.00 225
2019-03-01 $284,471 (3.4%) $354,106 (0.9%) 0.00 251
2019-04-01 $293,021 (7.6%) $364,918 (6.2%) 0.00 319
2019-05-01 $297,400 (7.2%) $376,879 (1.7%) 0.00 242
2019-06-01 $299,900 (7.5%) $391,960 (8.2%) 0.00 256
2019-07-01 $280,000 (1.8%) $376,125 (7.6%) 0.00 274
2019-08-01 $282,100 (4.5%) $375,630 (9.6%) 0.00 287
2019-09-01 $284,550 (5.4%) $373,889 (12.3%) 0.00 304
2019-10-01 $289,900 (5.4%) $376,698 (10.8%) 0.00 282
2019-11-01 $279,900 (3.1%) $359,639 (8.4%) 0.00 264
2019-12-01 $280,000 (5.7%) $357,140 (11.7%) 0.00 227
2020-01-01 $282,450 (5.4%) $364,719 (10.8%) 0.00 206
2020-02-01 $309,900 (13.6%) $373,495 (9.5%) 0.00 198
2020-03-01 $319,900 (12.5%) $386,925 (9.3%) 0.00 200
2020-04-01 $307,400 (4.9%) $369,184 (1.2%) 0.00 166
2020-05-01 $299,900 (0.8%) $357,319 (-5.2%) 0.00 159
2020-06-01 $314,450 (4.9%) $354,558 (-9.5%) 0.00 168
2020-07-01 $314,900 (12.5%) $372,220 (-1.0%) 0.00 173
2020-08-01 $310,000 (9.9%) $392,931 (4.6%) 0.00 172
2020-09-01 $282,500 (-0.7%) $384,692 (2.9%) 0.00 168
2020-10-01 $285,000 (-1.7%) $389,030 (3.3%) 0.00 152
2020-11-01 $307,400 (9.8%) $401,044 (11.5%) 0.00 144
2020-12-01 $289,900 (3.5%) $396,291 (11.0%) 0.00 119
2021-01-01 $314,900 (11.5%) $379,690 (4.1%) 0.00 82
2021-02-01 $327,400 (5.7%) $397,516 (6.4%) 0.00 66
2021-03-01 $335,000 (4.7%) $419,272 (8.4%) 0.00 68
2021-04-01 $349,900 (13.8%) $404,466 (9.6%) 0.00 76
2021-05-01 $350,000 (16.7%) $411,685 (15.2%) 0.00 86
2021-06-01 $349,950 (11.3%) $398,005 (12.3%) 0.00 99
2021-07-01 $341,900 (8.6%) $407,213 (9.4%) 0.00 120
2021-08-01 $312,200 (0.7%) $391,923 (-0.3%) 0.00 126
2021-09-01 $322,450 (14.1%) $396,087 (3.0%) 0.00 137
2021-10-01 $329,900 (15.8%) $417,479 (7.3%) 0.00 136
2021-11-01 $304,000 (-1.1%) $374,517 (-6.6%) 0.00 118
2021-12-01 $327,000 (12.8%) $391,313 (-1.3%) 0.00 98
2022-01-01 $379,500 (20.5%) $411,955 (8.5%) 0.00 86
2022-02-01 $387,400 (18.3%) $412,230 (3.7%) 0.00 71
2022-03-01 $389,900 (16.4%) $409,409 (-2.4%) 0.00 64
2022-04-01 $389,900 (11.4%) $413,230 (2.2%) 0.00 72
2022-05-01 $389,900 (11.4%) $428,711 (4.1%) 0.00 86
2022-06-01 $374,900 (7.1%) $452,955 (13.8%) 0.00 106
Watertown - Fort Atkinson's median listing price for 2022-06-01 was $374,900, a difference of $24,950 (7.1%) versus the prior year and $-15,000 versus the prior month.

Watertown - Fort Atkinson's median listing price comes in at 0% of the national average.

Watertown - Fort Atkinson's average listing price for 2022-06-01 was $452,955, a difference of $54,950 (13.8%) versus the prior year and $24,244 versus the prior month.

For the 2022-06-01 period, Watertown - Fort Atkinson had 106 MLS listings, a difference of 20 listings (23%) versus the prior month and 7 listings (7%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Watertown - Fort Atkinson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,804 sqft
2018-02-01 0 days 1,862 sqft
2018-03-01 0 days 1,992 sqft
2018-04-01 0 days 1,887 sqft
2018-05-01 0 days 1,992 sqft
2018-06-01 0 days 2,000 sqft
2018-07-01 0 days 1,907 sqft
2018-08-01 0 days 1,949 sqft
2018-09-01 0 days 1,832 sqft
2018-10-01 0 days 1,906 sqft
2018-11-01 0 days 1,916 sqft
2018-12-01 0 days 1,800 sqft
2019-01-01 0 days 1,802 sqft
2019-02-01 0 days 1,822 sqft
2019-03-01 0 days 1,974 sqft
2019-04-01 0 days 2,072 sqft
2019-05-01 0 days 2,052 sqft
2019-06-01 0 days 2,086 sqft
2019-07-01 0 days 2,054 sqft
2019-08-01 0 days 2,094 sqft
2019-09-01 0 days 2,149 sqft
2019-10-01 0 days 2,155 sqft
2019-11-01 0 days 2,000 sqft
2019-12-01 0 days 1,955 sqft
2020-01-01 0 days 1,957 sqft
2020-02-01 0 days 1,981 sqft
2020-03-01 0 days 1,981 sqft
2020-04-01 0 days 1,962 sqft
2020-05-01 0 days 1,943 sqft
2020-06-01 0 days 1,928 sqft
2020-07-01 0 days 1,948 sqft
2020-08-01 0 days 1,980 sqft
2020-09-01 0 days 1,945 sqft
2020-10-01 0 days 1,932 sqft
2020-11-01 0 days 2,081 sqft
2020-12-01 0 days 1,916 sqft
2021-01-01 0 days 1,900 sqft
2021-02-01 0 days 1,771 sqft
2021-03-01 0 days 1,902 sqft
2021-04-01 0 days 1,943 sqft
2021-05-01 0 days 1,996 sqft
2021-06-01 0 days 1,996 sqft
2021-07-01 0 days 1,996 sqft
2021-08-01 0 days 1,934 sqft
2021-09-01 0 days 1,978 sqft
2021-10-01 0 days 1,897 sqft
2021-11-01 0 days 1,931 sqft
2021-12-01 0 days 1,996 sqft
2022-01-01 0 days 1,996 sqft
2022-02-01 0 days 1,996 sqft
2022-03-01 0 days 1,977 sqft
2022-04-01 0 days 1,996 sqft
2022-05-01 0 days 1,982 sqft
2022-06-01 0 days 1,882 sqft
Watertown - Fort Atkinson's median listing age (time on market) for 2022-06-01 was 0 days.

Watertown - Fort Atkinson's median square footage for active listings during the 2022-06-01 period was 1,882 sqft. One year prior, the average listing was 1,996 sqft.