Watertown - Fort Atkinson Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Watertown - Fort Atkinson averaged 6.37% 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 6.36% and one month ago for the week of 2024-11-07, the average rate was 6.56%.

    Watertown - Fort Atkinson's average rate one year ago was 6.7%.

    For refis of the same type during the week of 2024-12-12, the average rate was 7.1%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Watertown - Fort Atkinson 30 Year Fixed Rate 2024-12-12 6.37%
    Watertown - Fort Atkinson 30 Year Fixed Rate Refi 2024-12-12 7.1%
    Watertown - Fort Atkinson 15 Year Fixed Rate 2024-12-12 6.04%
    Watertown - Fort Atkinson 15 Year Fixed Rate Refi 2024-12-12 6.04%
    Watertown - Fort Atkinson 30 Year FHA 2024-12-12 6.38%
    Watertown - Fort Atkinson 30 Year FHA Refi 2024-12-12 6.28%
    Watertown - Fort Atkinson 30 Year USDA 2024-12-12 6.2%
    Watertown - Fort Atkinson 30 Year USDA Refi 2024-12-12 6.5%
    Watertown - Fort Atkinson 30 Year VA 2024-12-12 6.08%
    Watertown - Fort Atkinson 30 Year VA Refi 2024-12-12 5.98%
    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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Summit Credit Union 88 6.63% $2,855
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 52 6.98% $3,649
    PremierBank 28 6.72% $2,046
    Johnson Bank 27 6.12% $4,213
    Landmark Credit Union 26 6.61% $1,887
    University of Wisconsin Credit Union 26 6.26% $3,180
    THOMPSON KANE & COMPANY, LLC 20 6.62% $3,567
    CARDINAL FINANCIAL 16 6.36% $7,675
    GUILD MORTGAGE COMPANY 15 6.86% $5,167
    QUICKEN LOANS, LLC 14 6.75% $6,315
    NEWREZ LLC 14 6.66% $4,062
    Bank Five Nine 13 7.48% $3,631
    Barrington Bank & Trust Company, N.A. 11 6.60% $3,471
    UNITED WHOLESALE MORTGAGE, LLC 10 7.03% $4,747
    U.S. Bank 8 6.87% $3,049
    Bank First, N.A. 8 6.63% $2,412
    Ixonia Bank 8 6.81% $3,358
    The Greenwood's State Bank 8 6.44% $1,679
    Prosperity Home Mortgage, LLC 7 6.45% $2,854
    Associated Bank 7 6.36% $2,332
    Servion, Inc. 7 6.82% $1,969
    WISCONSIN MORTGAGE CORPORATION 6 6.92% $3,367
    V.I.P. MORTGAGE, INC. 6 6.88% $7,266
    Waukesha State Bank 6 6.48% $2,051
    A + MORTGAGE SERVICES, INC. 5 7.10% $2,665
    EDUCATORS CREDIT UNION 5 6.55% $2,265
    JPMorgan Chase Bank 5 7.02% $3,095
    CMG MORTGAGE, INC. 5 6.57% $3,399
    Great Midwest Bank, S.S.B. 5 6.59% $3,119
    MOVEMENT MORTGAGE, LLC 5 7.00% $3,427
    Badger Bank 4 7.13% $2,297
    GUARANTEED RATE, INC. 4 6.96% $4,736
    BMO Harris Bank 4 6.41% $3,968
    CORNERSTONE HOME LENDING, INC. 4 6.50% $6,713
    FIRST STATE MORTGAGE SERVICES, LLC 4 6.78% $2,728
    Bell Bank 4 6.91% $2,978
    Mr. Cooper ( Nationstar Mortgage ) 4 6.87% $6,533
    COMPEER FINANCIAL, FLCA 3 8.29% $4,852
    The Equitable Bank, S.S.B. 3 6.25% $4,231
    PROVIDENT FUNDING ASSOCIATES, L.P. 3 6.38% $2,779
    The Huntington National Bank 3 6.67% $4,813
    The Park Bank 3 5.96% $2,249
    Century Mortgage Company DBA Century Lending Company 3 7.33% $2,847
    MARINE 3 9.19% $6,374
    PNC Bank 3 6.71% $4,219
    Heartland Credit Union (Madison) 3 6.71% $1,956
    CROSSCOUNTRY MORTGAGE, LLC 3 6.94% $5,660
    Paramount Residential Mortgage Group, Inc. 2 6.69% $4,867
    Blackhawk Community Credit Union 2 7.06% $1,192
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 7.06% $5,061
    Bank of England 2 5.94% $10,726
    First Federal Bank 2 6.19% $1,860
    Bank of America 2 7.19% $3,016
    GSF Mortgage Corporation 2 6.99% $2,787
    NexBank 2 6.88% $2,593
    PENNYMAC LOAN SERVICES, LLC 2 6.44% $2,616
    Bankers' Bank 1 6.38% $2,455
    THRIVE MORTGAGE, LLC 1 6.75% $3,124
    Tradition Mortgage, LLC 1 7.13% $2,387
    Tri City National Bank 1 5.63% $2,211
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 6.13% $6,759
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.38% $2,517
    USAA Federal Savings Bank 1 7.38% $3,449
    Westbury Bank 1 7.38% $2,122
    Waterstone Mortgage Corporation 1 7.00% $2,002
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.50% $2,426
    CHURCHILL MORTGAGE CORPORATION 1 7.63% $4,053
    Citizens Bank 1 7.13% $4,255
    Citadel Servicing Corporation 1 9.13% $8,670
    Cornerstone National Bank & Trust Company 1 7.50% $825
    Coulee Bank 1 5.88% $3,507
    Dakota Community Bank & Trust 1 6.00% $5,542
    DUPACO COMMUNITY 1 5.50% $3,088
    ENDEAVOR CAPITAL, LLC. 1 7.63% $7,191
    ENVOY MORTGAGE, LTD 1 7.63% $5,408
    EVERETT FINANCIAL, INC. 1 7.50% $10,339
    CHERRY CREEK MORTGAGE, LLC 1 6.25% $699
    First Community Credit Union 1 3.88% $3,188
    Flagstar Bank, FSB 1 6.13% $6,653
    Frandsen Bank & Trust 1 6.73% $3,582
    Carrington Mortgage Services, LLC 1 5.50% $5,842
    CANOPY MORTGAGE, LLC 1 7.63% $4,605
    Key Mortgage Services, Inc. 1 6.63% $3,328
    Kohler Credit Union 1 7.00% $3,416
    BROKER SOLUTIONS, INC. 1 6.75% $7,039
    LOANDEPOT.COM, LLC 1 5.38% $7,663
    Loan Simple, Inc. 1 8.13% $6,857
    MORTGAGE CENTER L.C 1 6.75% $3,046
    Nations Lending Corporation 1 6.50% $11,636
    NATIONS RELIABLE LENDING, LLC 1 7.38% $7,280
    NAVY FEDERAL CREDIT UNION 1 5.13% $8,426
    Old National Bank 1 7.50% $3,900
    PLAZA HOME MORTGAGE, INC. 1 9.25% $8,517
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.99% $7,572
    Baxter Credit Union 1 5.88% $2,019
    Royal Bank 1 6.88% $2,474
    Bank of Sun Prairie 1 6.00% $2,752
    Stillman Bank 1 6.95% $2,149
    SUN WEST MORTGAGE COMPANY, INC. 1 7.63% $4,032
    The Bank of New Glarus 1 7.29% $2,430

    Watertown - Fort Atkinson Average Closing Costs & Other Stats

    Watertown-Fort Atkinson, WI's 100 lenders originated 1,768 loans during 2023. The total origination value was $311,730,000, with an average loan value of $176,318.

    Watertown - Fort Atkinson's average closing costs are $3,426.

    The top Watertown - Fort Atkinson lender as defined by loan originations is Summit Credit Union, with 88 loans originated. Their average total fees are $2,855, which is $793 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Watertown - Fort Atkinson lenders (with over 10 loans originated) are Landmark Credit Union ($1,887), PremierBank ($2,046), Summit Credit Union ($2,855), University of Wisconsin Credit Union ($3,180) and Barrington Bank & Trust Company, N.A. ($3,471).

    The lowest rate Watertown - Fort Atkinson lenders (with over 10 loans originated) are Johnson Bank (6.12%), University of Wisconsin Credit Union (6.26%), CARDINAL FINANCIAL (6.36%), Barrington Bank & Trust Company, N.A. (6.60%) and Landmark Credit Union (6.61%).

    Watertown-Fort Atkinson, 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
    Summit Credit Union $64,285,000 $51,320,000 -20.2% 16.5%
    Landmark Credit Union $23,420,000 $20,015,000 -14.5% 6.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,510,000 $17,335,000 -19.4% 5.6%
    University of Wisconsin Credit Union $18,895,000 $13,720,000 -27.4% 4.4%
    PremierBank $22,500,000 $13,585,000 -39.6% 4.4%
    Johnson Bank $20,350,000 $12,710,000 -37.5% 4.1%
    Badger Bank $12,970,000 $9,200,000 -29.1% 3.0%
    CARDINAL FINANCIAL $8,380,000 $8,845,000 5.5% 2.8%
    QUICKEN LOANS, LLC $15,220,000 $8,080,000 -46.9% 2.6%
    THOMPSON KANE & COMPANY, LLC $8,975,000 $7,930,000 -11.6% 2.5%
    UNITED WHOLESALE MORTGAGE, LLC $6,125,000 $6,745,000 10.1% 2.2%
    Associated Bank $9,605,000 $6,060,000 -36.9% 1.9%
    GUILD MORTGAGE COMPANY $4,985,000 $5,630,000 12.9% 1.8%
    Bank Five Nine $7,340,000 $5,420,000 -26.2% 1.7%
    Farmers & Merchants State Bank $6,245,000 $4,555,000 -27.1% 1.5%
    Town Bank, N.A. $2,200,000 $4,255,000 93.4% 1.4%
    NEWREZ LLC $7,275,000 $4,240,000 -41.7% 1.4%
    Bank First, N.A. $3,555,000 $4,230,000 19.0% 1.4%
    COMPEER FINANCIAL, FLCA $7,055,000 $4,200,000 -40.5% 1.3%
    Mortgage Research Center, LLC $4,280,000 $3,815,000 -10.9% 1.2%
    Barrington Bank & Trust Company, N.A. $3,680,000 $3,635,000 -1.2% 1.2%
    BMO Harris Bank $3,575,000 $2,900,000 -18.9% 0.9%
    U.S. Bank $3,450,000 $2,895,000 -16.1% 0.9%
    Bank of Deerfield $8,400,000 $2,885,000 -65.7% 0.9%
    The Greenwood's State Bank $3,910,000 $2,705,000 -30.8% 0.9%
    Great Midwest Bank, S.S.B. $3,315,000 $2,675,000 -19.3% 0.9%
    Waukesha State Bank $4,745,000 $2,375,000 -49.9% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $3,595,000 $2,230,000 -38.0% 0.7%
    V.I.P. MORTGAGE, INC. $2,065,000 n/a 0.7%
    WISCONSIN MORTGAGE CORPORATION $4,030,000 $1,950,000 -51.6% 0.6%
    CORNERSTONE HOME LENDING, INC. $1,350,000 $1,945,000 44.1% 0.6%
    Ixonia Bank $2,915,000 $1,795,000 -38.4% 0.6%
    MOVEMENT MORTGAGE, LLC $1,760,000 n/a 0.6%
    Servion, Inc. $16,830,000 $1,735,000 -89.7% 0.6%
    CMG MORTGAGE, INC. $1,230,000 $1,650,000 34.1% 0.5%
    FREEDOM MORTGAGE CORPORATION $2,240,000 $1,535,000 -31.5% 0.5%
    FIRST STATE MORTGAGE SERVICES, LLC $665,000 $1,510,000 127.1% 0.5%
    EDUCATORS CREDIT UNION $2,640,000 $1,495,000 -43.4% 0.5%
    A + MORTGAGE SERVICES, INC. $3,470,000 $1,465,000 -57.8% 0.5%
    JPMorgan Chase Bank $1,940,000 $1,440,000 -25.8% 0.5%
    USAA Federal Savings Bank $1,000,000 $1,400,000 40.0% 0.4%
    Bank of England $2,310,000 $1,360,000 -41.1% 0.4%
    GUARANTEED RATE, INC. $3,205,000 $1,350,000 -57.9% 0.4%
    Prosperity Home Mortgage, LLC $4,620,000 $1,280,000 -72.3% 0.4%
    CHERRY CREEK MORTGAGE, LLC $865,000 $1,170,000 35.3% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $5,700,000 $1,155,000 -79.7% 0.4%
    NAVY FEDERAL CREDIT UNION $865,000 $1,150,000 32.9% 0.4%
    LOANDEPOT.COM, LLC $3,070,000 $1,085,000 -64.7% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $215,000 $1,085,000 404.7% 0.3%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,035,000 n/a 0.3%
    Bell Bank $800,000 $1,025,000 28.1% 0.3%
    MARINE $1,925,000 $1,005,000 -47.8% 0.3%
    Blackhawk Community Credit Union $2,435,000 $980,000 -59.8% 0.3%
    AMERISAVE MORTGAGE CORPORATION $1,140,000 $930,000 -18.4% 0.3%
    Nations Lending Corporation $1,250,000 $925,000 -26.0% 0.3%
    Discover Bank $500,000 $915,000 83.0% 0.3%
    First Community Credit Union $900,000 n/a 0.3%
    The Park Bank $1,645,000 $900,000 -45.3% 0.3%
    Century Mortgage Company DBA Century Lending Company $475,000 $870,000 83.2% 0.3%
    Heartland Credit Union (Madison) $1,105,000 $855,000 -22.6% 0.3%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $850,000 n/a 0.3%
    Tri City National Bank $845,000 n/a 0.3%
    PENNYMAC LOAN SERVICES, LLC $3,100,000 $795,000 -74.4% 0.3%
    PNC Bank $135,000 $715,000 429.6% 0.2%
    The Huntington National Bank $675,000 $655,000 -3.0% 0.2%
    First Community Bank $280,000 $630,000 125.0% 0.2%
    Capitol Bank $590,000 n/a 0.2%
    The Equitable Bank, S.S.B. $1,820,000 $585,000 -67.9% 0.2%
    North Shore Bank FSB $490,000 $555,000 13.3% 0.2%
    Bank of America $1,735,000 $540,000 -68.9% 0.2%
    Farmers and Merchants Union Bank $350,000 $525,000 50.0% 0.2%
    GSF Mortgage Corporation $225,000 $520,000 131.1% 0.2%
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION $155,000 $520,000 235.5% 0.2%
    American Mortgage & Equity Consultants, Inc. $1,325,000 $515,000 -61.1% 0.2%
    First Federal Bank $1,205,000 $490,000 -59.3% 0.2%
    Old National Bank $3,460,000 $490,000 -85.8% 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $165,000 $480,000 190.9% 0.2%
    NexBank $480,000 n/a 0.2%
    TRIAD FINANCIAL SERVICES, INC. $270,000 $450,000 66.7% 0.1%
    Bank of Sun Prairie $525,000 $440,000 -16.2% 0.1%
    Wells Fargo Bank $5,010,000 $440,000 -91.2% 0.1%
    Citizens Bank $565,000 $430,000 -23.9% 0.1%
    The Peoples Community Bank $45,000 $430,000 855.6% 0.1%
    State Bank of Cross Plains $6,845,000 $425,000 -93.8% 0.1%
    Oregon Community Bank $12,205,000 $410,000 -96.6% 0.1%
    Carrington Mortgage Services, LLC $225,000 $400,000 77.8% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $420,000 $400,000 -4.8% 0.1%
    BROKER SOLUTIONS, INC. $2,535,000 $380,000 -85.0% 0.1%
    Paramount Residential Mortgage Group, Inc. $2,245,000 $380,000 -83.1% 0.1%
    Tradition Mortgage, LLC $365,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $295,000 $360,000 22.0% 0.1%
    FirstBank $355,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $400,000 $345,000 -13.8% 0.1%
    PLANET HOME LENDING, LLC $1,450,000 $345,000 -76.2% 0.1%
    Flagstar Bank, FSB $1,480,000 $340,000 -77.0% 0.1%
    CANOPY MORTGAGE, LLC $335,000 n/a 0.1%
    Logan Finance Corporation $335,000 n/a 0.1%
    ENVOY MORTGAGE, LTD $620,000 $330,000 -46.8% 0.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $325,000 n/a 0.1%
    Neighborhood Loans, Inc. $325,000 n/a 0.1%
    DRAPER AND KRAMER MORTGAGE CORP. $145,000 $315,000 117.2% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $1,640,000 $315,000 -80.8% 0.1%
    NATIONS RELIABLE LENDING, LLC $515,000 $315,000 -38.8% 0.1%
    PLAZA HOME MORTGAGE, INC. $215,000 $305,000 41.9% 0.1%
    Sauk Valley Bank & Trust Company $365,000 $305,000 -16.4% 0.1%
    DUPACO COMMUNITY $240,000 $300,000 25.0% 0.1%
    Dakota Community Bank & Trust $295,000 n/a 0.1%
    Peoples State Bank $6,675,000 $295,000 -95.6% 0.1%
    FINANCE OF AMERICA REVERSE LLC $290,000 n/a 0.1%
    Frandsen Bank & Trust $285,000 n/a 0.1%
    Royal Bank $55,000 $285,000 418.2% 0.1%
    Hometown Equity Mortgage, LLC $275,000 n/a 0.1%
    Kohler Credit Union $275,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $145,000 $265,000 82.8% 0.1%
    Citadel Servicing Corporation $265,000 n/a 0.1%
    UIF CORPORATION $265,000 n/a 0.1%
    Key Mortgage Services, Inc. $255,000 n/a 0.1%
    THRIVE MORTGAGE, LLC $255,000 n/a 0.1%
    Northview Bank $245,000 n/a 0.1%
    Bank of Milton $55,000 $235,000 327.3% 0.1%
    MORTGAGE CENTER L.C $165,000 $235,000 42.4% 0.1%
    TOP FLITE FINANCIAL, INC. $235,000 n/a 0.1%
    Cornerstone National Bank & Trust Company $225,000 n/a 0.1%
    Coulee Bank $225,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $205,000 $225,000 9.8% 0.1%
    Waterstone Mortgage Corporation $315,000 $225,000 -28.6% 0.1%
    SPRING EQ, LLC $65,000 $215,000 230.8% 0.1%
    ADVIA $120,000 $210,000 75.0% 0.1%
    21ST MORTGAGE CORPORATION $70,000 $205,000 192.9% 0.1%
    Equity Prime Mortgage LLC $165,000 $195,000 18.2% 0.1%
    Loan Simple, Inc. $345,000 $195,000 -43.5% 0.1%
    Bankers' Bank $185,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $205,000 $185,000 -9.8% 0.1%
    Stillman Bank $185,000 n/a 0.1%
    CoVantage Credit Union $165,000 $180,000 9.1% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.1%
    Empower Credit Union $165,000 n/a 0.1%
    Arvest Bank $155,000 n/a 0.0%
    Centier Bank $155,000 n/a 0.0%
    Horicon Bank $245,000 $155,000 -36.7% 0.0%
    The Bank of New Glarus $805,000 $155,000 -80.7% 0.0%
    The Port Washington State Bank $155,000 n/a 0.0%
    Westbury Bank $935,000 $155,000 -83.4% 0.0%
    WINGS FINANCIAL $155,000 n/a 0.0%
    Baxter Credit Union $145,000 n/a 0.0%
    Home Federal Savings Bank $365,000 $145,000 -60.3% 0.0%
    ROYAL UNITED MORTGAGE LLC $545,000 $135,000 -75.2% 0.0%
    Figure Lending LLC $120,000 $125,000 4.2% 0.0%
    NEXERA HOLDING LLC $125,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,010,000 $115,000 -94.3% 0.0%
    GREAT LAKES $105,000 n/a 0.0%
    The Bank of Brodhead $105,000 n/a 0.0%
    GREENSTATE CREDIT UNION $95,000 n/a 0.0%
    Republic Bank of Chicago $95,000 n/a 0.0%
    THRIVENT Federal Credit Union $195,000 $95,000 -51.3% 0.0%
    Glacier Hills Credit Union $85,000 n/a 0.0%
    Citibank $340,000 $75,000 -77.9% 0.0%
    Royal Credit Union $75,000 n/a 0.0%
    National Exchange Bank and Trust $65,000 $65,000 0.0% 0.0%
    Coastal Community Bank $45,000 n/a 0.0%
    FOX COMMUNITIES $400,000 $35,000 -91.3% 0.0%

    Watertown - Fort Atkinson's top lender by overall market share is Summit Credit Union, with 16.5% market share. In second place, with 6.4%, is Landmark Credit Union, having originated $20,015,000 in loans. In third place, with 5.6%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $17,335,000 in loans. In fourth place, with 4.4%, is University of Wisconsin Credit Union, having originated $13,720,000 in loans. In fifth place, with 4.4%, is PremierBank, having originated $13,585,000 in loans.

    Watertown - Fort Atkinson Housing Market Trends (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 $249,900 (4.6%) $294,932 (5.1%) 0.00 267
    2018-02-01 $260,000 (8.4%) $311,271 (13.8%) 0.00 267
    2018-03-01 $264,950 (8.4%) $322,410 (17.4%) 0.00 296
    2018-04-01 $260,000 (6.2%) $322,261 (16.4%) 0.00 317
    2018-05-01 $272,300 (12.4%) $338,488 (22.9%) 0.00 320
    2018-06-01 $269,900 (10.2%) $338,751 (20.1%) 0.00 316
    2018-07-01 $265,000 (9.1%) $322,941 (15.0%) 0.00 337
    2018-08-01 $265,000 (8.2%) $321,684 (12.0%) 0.00 363
    2018-09-01 $264,950 (6.0%) $314,887 (8.1%) 0.00 363
    2018-10-01 $265,000 (6.0%) $322,270 (7.6%) 0.00 344
    2018-11-01 $265,000 (6.0%) $316,604 (6.1%) 0.00 316
    2018-12-01 $265,000 (6.0%) $314,542 (6.1%) 0.00 289
    2019-01-01 $265,000 (6.0%) $313,385 (6.3%) 0.00 259
    2019-02-01 $265,000 (1.9%) $316,327 (1.6%) 0.00 249
    2019-03-01 $270,336 (2.0%) $325,084 (0.8%) 0.00 261
    2019-04-01 $279,425 (7.5%) $344,816 (7.0%) 0.00 291
    2019-05-01 $280,000 (2.8%) $344,990 (1.9%) 0.00 303
    2019-06-01 $279,900 (3.7%) $345,268 (1.9%) 0.00 323
    2019-07-01 $269,900 (1.9%) $329,229 (2.0%) 0.00 354
    2019-08-01 $269,927 (1.9%) $331,249 (3.0%) 0.00 357
    2019-09-01 $269,968 (1.9%) $330,617 (5.0%) 0.00 356
    2019-10-01 $270,000 (1.9%) $331,016 (2.7%) 0.00 348
    2019-11-01 $259,900 (-1.9%) $315,689 (-0.3%) 0.00 314
    2019-12-01 $262,500 (-0.9%) $310,831 (-1.2%) 0.00 268
    2020-01-01 $265,000 (0.0%) $317,417 (1.3%) 0.00 231
    2020-02-01 $269,950 (1.9%) $320,781 (1.4%) 0.00 249
    2020-03-01 $279,675 (3.5%) $319,828 (-1.6%) 0.00 267
    2020-04-01 $280,000 (0.2%) $316,304 (-8.3%) 0.00 239
    2020-05-01 $280,000 (0.0%) $313,973 (-9.0%) 0.00 237
    2020-06-01 $280,000 (0.0%) $306,961 (-11.1%) 0.00 260
    2020-07-01 $280,000 (3.7%) $327,187 (-0.6%) 0.00 262
    2020-08-01 $279,000 (3.4%) $331,048 (-0.1%) 0.00 258
    2020-09-01 $270,000 (0.0%) $337,667 (2.1%) 0.00 240
    2020-10-01 $270,000 (0.0%) $339,175 (2.5%) 0.00 228
    2020-11-01 $269,975 (3.9%) $336,388 (6.6%) 0.00 209
    2020-12-01 $278,725 (6.2%) $338,994 (9.1%) 0.00 180
    2021-01-01 $289,900 (9.4%) $350,807 (10.5%) 0.00 127
    2021-02-01 $289,900 (7.4%) $349,327 (8.9%) 0.00 119
    2021-03-01 $298,850 (6.9%) $348,832 (9.1%) 0.00 131
    2021-04-01 $293,575 (4.9%) $334,509 (5.8%) 0.00 172
    2021-05-01 $325,000 (16.1%) $349,587 (11.3%) 0.00 167
    2021-06-01 $309,475 (10.5%) $340,361 (10.9%) 0.00 181
    2021-07-01 $299,900 (7.1%) $337,149 (3.0%) 0.00 201
    2021-08-01 $289,450 (3.8%) $333,535 (0.8%) 0.00 205
    2021-09-01 $295,800 (9.6%) $338,682 (0.3%) 0.00 215
    2021-10-01 $299,900 (11.1%) $355,189 (4.7%) 0.00 212
    2021-11-01 $281,950 (4.4%) $334,277 (-0.6%) 0.00 180
    2021-12-01 $278,725 (0.0%) $339,312 (0.1%) 0.00 148
    2022-01-01 $299,450 (3.3%) $351,720 (0.3%) 0.00 119
    2022-02-01 $335,000 (15.6%) $369,940 (5.9%) 0.00 115
    2022-03-01 $335,000 (12.1%) $363,197 (4.1%) 0.00 111
    2022-04-01 $332,450 (13.2%) $352,429 (5.4%) 0.00 132
    2022-05-01 $335,000 (3.1%) $366,892 (5.0%) 0.00 163
    2022-06-01 $339,900 (9.8%) $406,755 (19.5%) 0.00 184
    2022-07-01 $336,600 (12.2%) $403,466 (19.7%) 0.00 191
    2022-08-01 $339,300 (17.2%) $399,150 (19.7%) 0.00 205
    2022-09-01 $340,000 (14.9%) $394,525 (16.5%) 0.00 179
    2022-10-01 $345,950 (15.4%) $401,323 (13.0%) 0.00 160
    2022-11-01 $336,375 (19.3%) $390,125 (16.7%) 0.00 140
    2022-12-01 $335,000 (20.2%) $387,391 (14.2%) 0.00 105
    2023-01-01 $337,450 (12.7%) $394,230 (12.1%) 0.00 107
    2023-02-01 $342,100 (2.1%) $407,518 (10.2%) 0.00 92
    2023-03-01 $352,475 (5.2%) $406,758 (12.0%) 0.00 99
    2023-04-01 $367,000 (10.4%) $418,904 (18.9%) 0.00 102
    2023-05-01 $365,000 (9.0%) $412,293 (12.4%) 0.00 109
    2023-06-01 $362,450 (6.6%) $410,752 (1.0%) 0.00 128
    2023-07-01 $360,000 (7.0%) $412,727 (2.3%) 0.00 132
    2023-08-01 $354,950 (4.6%) $414,694 (3.9%) 0.00 140
    2023-09-01 $360,000 (5.9%) $426,256 (8.0%) 0.00 148
    2023-10-01 $349,900 (1.1%) $416,697 (3.8%) 0.00 148
    2023-11-01 $349,950 (4.0%) $429,813 (10.2%) 0.00 145
    2023-12-01 $357,450 (6.7%) $432,950 (11.8%) 0.00 122
    2024-01-01 $362,475 (7.4%) $444,766 (12.8%) 0.00 99
    2024-02-01 $352,450 (3.0%) $424,122 (4.1%) 0.00 94
    2024-03-01 $369,450 (4.8%) $440,854 (8.4%) 0.00 105
    2024-04-01 $373,450 (1.8%) $446,602 (6.6%) 0.00 111
    2024-05-01 $403,675 (10.6%) $476,042 (15.5%) 0.00 135
    2024-06-01 $412,499 (13.8%) $466,728 (13.6%) 0.00 144
    2024-07-01 $380,000 (5.6%) $460,838 (11.7%) 0.00 137
    2024-08-01 $389,450 (9.7%) $462,686 (11.6%) 0.00 132
    2024-09-01 $384,925 (6.9%) $472,254 (10.8%) 0.00 165
    2024-10-01 $379,900 (8.6%) $481,599 (15.6%) 0.00 177
    2024-11-01 $349,900 (0.0%) $446,779 (4.0%) 0.00 158
    Watertown - Fort Atkinson's median listing price for 2024-11-01 was $349,900, a difference of $-50 (0.0%) versus the prior year and $-30,000 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 2024-11-01 was $446,779, a difference of $16,966 (4.0%) versus the prior year and $-34,820 versus the prior month.

    For the 2024-11-01 period, Watertown - Fort Atkinson had 158 MLS listings, a difference of -19 listings (-11%) versus the prior month and 13 listings (9%) 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 1,720 sqft
    2018-02-01 0 days 1,814 sqft
    2018-03-01 0 days 1,849 sqft
    2018-04-01 0 days 1,854 sqft
    2018-05-01 0 days 1,940 sqft
    2018-06-01 0 days 1,944 sqft
    2018-07-01 0 days 1,875 sqft
    2018-08-01 0 days 1,876 sqft
    2018-09-01 0 days 1,832 sqft
    2018-10-01 0 days 1,890 sqft
    2018-11-01 0 days 1,882 sqft
    2018-12-01 0 days 1,803 sqft
    2019-01-01 0 days 1,802 sqft
    2019-02-01 0 days 1,800 sqft
    2019-03-01 0 days 1,874 sqft
    2019-04-01 0 days 1,948 sqft
    2019-05-01 0 days 1,909 sqft
    2019-06-01 0 days 1,929 sqft
    2019-07-01 0 days 1,905 sqft
    2019-08-01 0 days 1,936 sqft
    2019-09-01 0 days 1,961 sqft
    2019-10-01 0 days 1,990 sqft
    2019-11-01 0 days 1,824 sqft
    2019-12-01 0 days 1,806 sqft
    2020-01-01 0 days 1,837 sqft
    2020-02-01 0 days 1,830 sqft
    2020-03-01 0 days 1,807 sqft
    2020-04-01 0 days 1,903 sqft
    2020-05-01 0 days 1,861 sqft
    2020-06-01 0 days 1,859 sqft
    2020-07-01 0 days 1,856 sqft
    2020-08-01 0 days 1,806 sqft
    2020-09-01 0 days 1,893 sqft
    2020-10-01 0 days 1,815 sqft
    2020-11-01 0 days 1,791 sqft
    2020-12-01 0 days 1,755 sqft
    2021-01-01 0 days 1,792 sqft
    2021-02-01 0 days 1,753 sqft
    2021-03-01 0 days 1,800 sqft
    2021-04-01 0 days 1,804 sqft
    2021-05-01 0 days 1,878 sqft
    2021-06-01 0 days 1,903 sqft
    2021-07-01 0 days 1,885 sqft
    2021-08-01 0 days 1,805 sqft
    2021-09-01 0 days 1,864 sqft
    2021-10-01 0 days 1,826 sqft
    2021-11-01 0 days 1,742 sqft
    2021-12-01 0 days 1,841 sqft
    2022-01-01 0 days 1,897 sqft
    2022-02-01 0 days 1,926 sqft
    2022-03-01 0 days 1,785 sqft
    2022-04-01 0 days 1,800 sqft
    2022-05-01 0 days 1,930 sqft
    2022-06-01 0 days 1,898 sqft
    2022-07-01 0 days 1,900 sqft
    2022-08-01 0 days 1,891 sqft
    2022-09-01 0 days 1,896 sqft
    2022-10-01 0 days 1,964 sqft
    2022-11-01 0 days 1,918 sqft
    2022-12-01 0 days 1,880 sqft
    2023-01-01 0 days 1,835 sqft
    2023-02-01 0 days 1,804 sqft
    2023-03-01 0 days 1,795 sqft
    2023-04-01 0 days 1,806 sqft
    2023-05-01 0 days 1,852 sqft
    2023-06-01 0 days 1,899 sqft
    2023-07-01 0 days 1,900 sqft
    2023-08-01 0 days 1,951 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,936 sqft
    2023-11-01 0 days 1,930 sqft
    2023-12-01 0 days 1,896 sqft
    2024-01-01 0 days 1,850 sqft
    2024-02-01 0 days 1,843 sqft
    2024-03-01 0 days 1,874 sqft
    2024-04-01 0 days 1,792 sqft
    2024-05-01 0 days 1,896 sqft
    2024-06-01 0 days 1,936 sqft
    2024-07-01 0 days 1,922 sqft
    2024-08-01 0 days 1,943 sqft
    2024-09-01 0 days 1,946 sqft
    2024-10-01 0 days 1,975 sqft
    2024-11-01 0 days 1,902 sqft
    Watertown - Fort Atkinson's median listing age (time on market) for 2024-11-01 was 0 days.

    Watertown - Fort Atkinson's median square footage for active listings during the 2024-11-01 period was 1,902 sqft. One year prior, the average listing was 1,930 sqft.

    Watertown-Fort Atkinson, WI Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 782 $200,790,000 $256,765
    Other 288 $20,140,000 $69,931
    Home Improvement 266 $19,920,000 $74,887
    Refi 264 $40,780,000 $154,470
    Cash Out Refi 168 $30,100,000 $179,167

    Watertown - Fort Atkinson's most frequently cited loan purpose was Home Purchase, with 782 originations. The 2nd most popular reason was Other, with 288 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 477 $108,095,000 $226,614
    7-8% 370 $76,750,000 $207,432
    Over 8% 266 $28,290,000 $106,353
    <2.5% 240 $19,110,000 $79,625
    5-6% 191 $48,685,000 $254,895
    3-4% 82 $6,610,000 $80,610
    4-5% 68 $7,630,000 $112,206
    2.5-3% 24 $1,760,000 $73,333

    During 2023, Watertown - Fort Atkinson's most frequently originated rate bucket was 6-7%, with 477 originations.

    Loan Sizing (Watertown-Fort Atkinson, WI MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 691 $34,515,000 $49,949
    $200k-400k 551 $154,525,000 $280,445
    $100k-200k 428 $62,890,000 $146,939
    $400k-600k 76 $34,980,000 $460,263
    $600k-1000k 13 $10,115,000 $778,077
    $Over $1MM 9 $14,705,000 $1,633,889

    Watertown - Fort Atkinson's loan sizing saw the bucket of loans from $100,000 or less with 691 originations, totaling $34,515,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 493 $140,345,000 $284,675
    Under 20% 476 $21,850,000 $45,903
    20-40% 315 $31,265,000 $99,254
    60-80% 264 $70,310,000 $266,326
    40-60% 157 $30,565,000 $194,682
    Over 100% 7 $2,015,000 $287,857

    Watertown - Fort Atkinson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 493 originations, totaling $140,345,000 in origination value.