Watertown - Fort Atkinson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Watertown - Fort Atkinson averaged
6.5%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.7% and
one month ago for the week of 2025-05-29, the
average rate was 7.12%.
Watertown - Fort Atkinson's average rate one year ago was 7.09%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.66%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Watertown - Fort Atkinson 30 Year Fixed Rate | 2025-07-03 | 6.5% |
| Watertown - Fort Atkinson 30 Year Fixed Rate Refi | 2025-07-03 | 6.66% |
| Watertown - Fort Atkinson 15 Year Fixed Rate | 2025-07-03 | 6% |
| Watertown - Fort Atkinson 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| Watertown - Fort Atkinson 30 Year FHA | 2025-07-03 | 0.33% |
| Watertown - Fort Atkinson 30 Year FHA Refi | 2025-07-03 | 0.1% |
| Watertown - Fort Atkinson 30 Year USDA | 2025-07-03 | -0.2% |
| Watertown - Fort Atkinson 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Watertown - Fort Atkinson 30 Year VA | 2025-07-03 | 0.1% |
| Watertown - Fort Atkinson 30 Year VA Refi | 2025-07-03 | 0.2% |
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.).
Watertown - Fort Atkinson Average Closing Costs & Other Stats
Watertown-Fort Atkinson, WI's 109 lenders originated 1,909
loans during 2024. The total origination value was $396,595,000, with an average loan value of
$207,750.
Watertown - Fort Atkinson's average closing costs are $3,583.
The top Watertown - Fort Atkinson lender as defined by loan originations is Summit Credit Union, with
73 loans originated. Their average total fees are
$2,708, which is $798
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Watertown - Fort Atkinson lenders (with over 10 loans originated) are
The Greenwood's State Bank ($1,760), Johnson Bank ($2,315), Associated Bank ($2,441), Landmark Credit Union ($2,476) and Summit Credit Union ($2,708).
The lowest rate Watertown - Fort Atkinson lenders (with over 10 loans originated) are
University of Wisconsin Credit Union (6.41%), Johnson Bank (6.50%), CARDINAL FINANCIAL (6.52%), Summit Credit Union (6.60%) and GUILD MORTGAGE COMPANY (6.64%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Summit Credit Union | $51,320,000 | $47,035,000 | -8.3% | 11.9% |
| North Shore Bank FSB | $555,000 | $25,565,000 | 4,506.3% | 6.4% |
| PremierBank | $13,585,000 | $19,170,000 | 41.1% | 4.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $17,335,000 | $18,985,000 | 9.5% | 4.8% |
| University of Wisconsin Credit Union | $13,720,000 | $18,100,000 | 31.9% | 4.6% |
| Johnson Bank | $12,710,000 | $14,720,000 | 15.8% | 3.7% |
| QUICKEN LOANS, LLC | $8,080,000 | $14,000,000 | 73.3% | 3.5% |
| Landmark Credit Union | $20,015,000 | $13,905,000 | -30.5% | 3.5% |
| CARDINAL FINANCIAL | $8,845,000 | $10,400,000 | 17.6% | 2.6% |
| THOMPSON KANE & COMPANY, LLC | $7,930,000 | $8,940,000 | 12.7% | 2.3% |
| NEWREZ LLC | $4,240,000 | $8,200,000 | 93.4% | 2.1% |
| GUILD MORTGAGE COMPANY | $5,630,000 | $7,470,000 | 32.7% | 1.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,745,000 | $6,950,000 | 3.0% | 1.8% |
| Associated Bank | $6,060,000 | $6,870,000 | 13.4% | 1.7% |
| Mortgage Research Center, LLC | $3,815,000 | $6,580,000 | 72.5% | 1.7% |
| BMO Harris Bank | $2,900,000 | $6,410,000 | 121.0% | 1.6% |
| Farmers & Merchants State Bank | $4,555,000 | $5,665,000 | 24.4% | 1.4% |
| Badger Bank | $9,200,000 | $5,505,000 | -40.2% | 1.4% |
| Barrington Bank & Trust Company, N.A. | $3,635,000 | $5,400,000 | 48.6% | 1.4% |
| Bank Five Nine | $5,420,000 | $5,075,000 | -6.4% | 1.3% |
| Bank First, N.A. | $4,230,000 | $4,185,000 | -1.1% | 1.1% |
| FIRST COLONY MORTGAGE CORPORATION | $3,750,000 | n/a | 0.9% | |
| GUARANTEED RATE, INC. | $1,350,000 | $3,670,000 | 171.9% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $1,535,000 | $3,595,000 | 134.2% | 0.9% |
| A + MORTGAGE SERVICES, INC. | $1,465,000 | $3,580,000 | 144.4% | 0.9% |
| Waukesha State Bank | $2,375,000 | $3,540,000 | 49.1% | 0.9% |
| The Greenwood's State Bank | $2,705,000 | $3,495,000 | 29.2% | 0.9% |
| Prosperity Home Mortgage, LLC | $1,280,000 | $3,370,000 | 163.3% | 0.8% |
| COMPEER FINANCIAL, FLCA | $4,200,000 | $3,170,000 | -24.5% | 0.8% |
| AmeriHome Mortgage Company, LLC | $3,130,000 | n/a | 0.8% | |
| U.S. Bank | $2,895,000 | $3,025,000 | 4.5% | 0.8% |
| Town Bank, N.A. | $4,255,000 | $2,810,000 | -34.0% | 0.7% |
| Old Plank Trail Community Bank | $2,675,000 | n/a | 0.7% | |
| Bell Bank | $1,025,000 | $2,640,000 | 157.6% | 0.7% |
| Ixonia Bank | $1,795,000 | $2,580,000 | 43.7% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $1,760,000 | $2,420,000 | 37.5% | 0.6% |
| WISCONSIN MORTGAGE CORPORATION | $1,950,000 | $2,400,000 | 23.1% | 0.6% |
| Servion, Inc. | $1,735,000 | $2,370,000 | 36.6% | 0.6% |
| JPMorgan Chase Bank | $1,440,000 | $2,215,000 | 53.8% | 0.6% |
| Bank of Deerfield | $2,885,000 | $2,200,000 | -23.7% | 0.6% |
| The Huntington National Bank | $655,000 | $2,190,000 | 234.4% | 0.6% |
| The Bank of New Glarus | $155,000 | $2,130,000 | 1,274.2% | 0.5% |
| LOANDEPOT.COM, LLC | $1,085,000 | $1,980,000 | 82.5% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $795,000 | $1,945,000 | 144.7% | 0.5% |
| Oregon Community Bank | $410,000 | $1,845,000 | 350.0% | 0.5% |
| EDUCATORS CREDIT UNION | $1,495,000 | $1,715,000 | 14.7% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,230,000 | $1,710,000 | -23.3% | 0.4% |
| Bank of England | $1,360,000 | $1,695,000 | 24.6% | 0.4% |
| USAA Federal Savings Bank | $1,400,000 | $1,510,000 | 7.9% | 0.4% |
| Nations Lending Corporation | $925,000 | $1,495,000 | 61.6% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,150,000 | $1,495,000 | 30.0% | 0.4% |
| WINGS FINANCIAL | $155,000 | $1,475,000 | 851.6% | 0.4% |
| Great Midwest Bank, S.S.B. | $2,675,000 | $1,460,000 | -45.4% | 0.4% |
| American Mortgage & Equity Consultants, Inc. | $515,000 | $1,395,000 | 170.9% | 0.4% |
| CMG MORTGAGE, INC. | $1,650,000 | $1,350,000 | -18.2% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,085,000 | $1,310,000 | 20.7% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $315,000 | $1,280,000 | 306.3% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,155,000 | $1,275,000 | 10.4% | 0.3% |
| Flagstar Bank, FSB | $340,000 | $1,225,000 | 260.3% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $870,000 | $1,220,000 | 40.2% | 0.3% |
| Discover Bank | $915,000 | $1,200,000 | 31.1% | 0.3% |
| Bank of Sun Prairie | $440,000 | $1,135,000 | 158.0% | 0.3% |
| Citizens Bank | $430,000 | $1,135,000 | 164.0% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $165,000 | $1,130,000 | 584.8% | 0.3% |
| FIRST STATE MORTGAGE SERVICES, LLC | $1,510,000 | $1,125,000 | -25.5% | 0.3% |
| The Equitable Bank, S.S.B. | $585,000 | $1,100,000 | 88.0% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $480,000 | $1,085,000 | 126.0% | 0.3% |
| NEXERA HOLDING LLC | $125,000 | $1,085,000 | 768.0% | 0.3% |
| PLANET HOME LENDING, LLC | $345,000 | $1,085,000 | 214.5% | 0.3% |
| First Community Bank | $630,000 | $1,005,000 | 59.5% | 0.3% |
| Peoples State Bank | $295,000 | $1,005,000 | 240.7% | 0.3% |
| MARINE | $1,005,000 | $960,000 | -4.5% | 0.2% |
| PNC Bank | $715,000 | $955,000 | 33.6% | 0.2% |
| The Federal Savings Bank | $915,000 | n/a | 0.2% | |
| BROKER SOLUTIONS, INC. | $380,000 | $910,000 | 139.5% | 0.2% |
| Collins State Bank | $875,000 | n/a | 0.2% | |
| First Federal Bank | $490,000 | $860,000 | 75.5% | 0.2% |
| Old National Bank | $490,000 | $855,000 | 74.5% | 0.2% |
| S1L, Inc. | $840,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $790,000 | n/a | 0.2% | |
| Citizens Bank | $430,000 | $785,000 | 82.6% | 0.2% |
| Charles Schwab Bank, SSB | $765,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $400,000 | $750,000 | 87.5% | 0.2% |
| State Bank of Cross Plains | $425,000 | $730,000 | 71.8% | 0.2% |
| Key Mortgage Services, Inc. | $255,000 | $725,000 | 184.3% | 0.2% |
| PROPER RATE, LLC | $665,000 | n/a | 0.2% | |
| DMB Community Bank | $630,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $380,000 | $620,000 | 63.2% | 0.2% |
| NexBank | $480,000 | $610,000 | 27.1% | 0.2% |
| First Community Credit Union | $900,000 | $605,000 | -32.8% | 0.2% |
| Granite Community Bank | $605,000 | n/a | 0.2% | |
| Deere Employees Credit Union | $575,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $570,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $450,000 | $565,000 | 25.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,035,000 | $550,000 | -46.9% | 0.1% |
| Westbury Bank | $155,000 | $530,000 | 241.9% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $525,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $520,000 | n/a | 0.1% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $850,000 | $510,000 | -40.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $510,000 | n/a | 0.1% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $475,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $470,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $435,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $185,000 | $410,000 | 121.6% | 0.1% |
| Ameris Bank | $405,000 | n/a | 0.1% | |
| Blackhawk Community Credit Union | $980,000 | $405,000 | -58.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $395,000 | n/a | 0.1% | |
| ALTRA | $390,000 | n/a | 0.1% | |
| FIRST NORTHERN Credit Union | $385,000 | n/a | 0.1% | |
| Heartland Credit Union (Madison) | $855,000 | $375,000 | -56.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $205,000 | $355,000 | 73.2% | 0.1% |
| V.I.P. MORTGAGE, INC. | $2,065,000 | $355,000 | -82.8% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $345,000 | n/a | 0.1% | |
| Nicolet National Bank | $345,000 | n/a | 0.1% | |
| The Bank of Brodhead | $105,000 | $340,000 | 223.8% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $360,000 | $330,000 | -8.3% | 0.1% |
| Wells Fargo Bank | $440,000 | $330,000 | -25.0% | 0.1% |
| CITY-COUNTY CREDIT UNION | $325,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $325,000 | n/a | 0.1% | |
| Figure Lending LLC | $125,000 | $320,000 | 156.0% | 0.1% |
| Baxter Credit Union | $145,000 | $305,000 | 110.3% | 0.1% |
| Stifel Bank and Trust | $305,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $305,000 | n/a | 0.1% | |
| IncredibleBank | $295,000 | n/a | 0.1% | |
| NATIONS RELIABLE LENDING, LLC | $315,000 | $295,000 | -6.3% | 0.1% |
| Wolfe Financial, Inc | $295,000 | n/a | 0.1% | |
| Republic Bank of Chicago | $95,000 | $280,000 | 194.7% | 0.1% |
| Loan Simple, Inc. | $195,000 | $275,000 | 41.0% | 0.1% |
| National Exchange Bank and Trust | $65,000 | $275,000 | 323.1% | 0.1% |
| GREENSTATE CREDIT UNION | $95,000 | $265,000 | 178.9% | 0.1% |
| PHH Mortgage Corporation | $265,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $225,000 | $265,000 | 17.8% | 0.1% |
| A&D Mortgage LLC | $255,000 | n/a | 0.1% | |
| Royal Credit Union | $75,000 | $255,000 | 240.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $265,000 | $245,000 | -7.5% | 0.1% |
| Cornerstone First Mortgage, Inc | $245,000 | n/a | 0.1% | |
| Bank of America | $540,000 | $240,000 | -55.6% | 0.1% |
| CLEARPATH LENDING | $235,000 | n/a | 0.1% | |
| Fortifi Bank | $235,000 | n/a | 0.1% | |
| CoVantage Credit Union | $180,000 | $225,000 | 25.0% | 0.1% |
| Empower Credit Union | $165,000 | $225,000 | 36.4% | 0.1% |
| T2 FINANCIAL LLC | $215,000 | n/a | 0.1% | |
| The Park Bank | $900,000 | $210,000 | -76.7% | 0.1% |
| First Mid Bank & Trust | $205,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $205,000 | n/a | 0.1% | |
| Coastal Community Bank | $45,000 | $200,000 | 344.4% | 0.1% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $520,000 | $200,000 | -61.5% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $175,000 | n/a | 0.0% | |
| CENTRAL MINNESOTA Credit Union | $175,000 | n/a | 0.0% | |
| NBKC BANK | $175,000 | n/a | 0.0% | |
| Merchants Bank | $165,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $125,000 | n/a | 0.0% | |
| Heartland Bank and Trust Company | $115,000 | n/a | 0.0% | |
| Horicon Bank | $155,000 | $115,000 | -25.8% | 0.0% |
| SPRING EQ, LLC | $215,000 | $110,000 | -48.8% | 0.0% |
| ADVIA | $210,000 | $105,000 | -50.0% | 0.0% |
| Byron Bank | $85,000 | n/a | 0.0% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $115,000 | $75,000 | -34.8% | 0.0% |
| Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $930,000 | $45,000 | -95.2% | 0.0% |
| AppleTree Credit Union | $45,000 | n/a | 0.0% | |
| Farmers and Merchants Union Bank | $525,000 | $45,000 | -91.4% | 0.0% |
| Bank of Milton | $235,000 | $35,000 | -85.1% | 0.0% |
| FOX COMMUNITIES | $35,000 | $35,000 | 0.0% | 0.0% |
Watertown - Fort Atkinson's top lender by overall market share is Summit Credit Union, with 11.9% market share. In second place, with 6.4%, is North Shore Bank FSB, having originated $25,565,000 in loans. In third place, with 4.8%, is PremierBank, having originated $19,170,000 in loans. In fourth place, with 4.8%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $18,985,000 in loans. In fifth place, with 4.6%, is University of Wisconsin Credit Union, having originated $18,100,000 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 | $272,200 (12.4%) | $338,191 (22.8%) | 0.00 | 320 |
| 2018-06-01 | $269,900 (10.2%) | $338,170 (19.9%) | 0.00 | 317 |
| 2018-07-01 | $265,000 (9.1%) | $322,516 (14.9%) | 0.00 | 337 |
| 2018-08-01 | $265,000 (8.2%) | $321,322 (11.9%) | 0.00 | 363 |
| 2018-09-01 | $262,450 (5.0%) | $314,563 (8.0%) | 0.00 | 363 |
| 2018-10-01 | $265,000 (6.0%) | $321,821 (7.5%) | 0.00 | 345 |
| 2018-11-01 | $265,000 (6.0%) | $315,986 (5.9%) | 0.00 | 317 |
| 2018-12-01 | $265,000 (6.0%) | $313,860 (5.9%) | 0.00 | 290 |
| 2019-01-01 | $265,000 (6.0%) | $312,615 (6.0%) | 0.00 | 260 |
| 2019-02-01 | $265,000 (1.9%) | $316,544 (1.7%) | 0.00 | 248 |
| 2019-03-01 | $270,336 (2.0%) | $325,211 (0.9%) | 0.00 | 260 |
| 2019-04-01 | $278,725 (7.2%) | $344,634 (6.9%) | 0.00 | 291 |
| 2019-05-01 | $280,000 (2.9%) | $344,719 (1.9%) | 0.00 | 303 |
| 2019-06-01 | $279,900 (3.7%) | $345,268 (2.1%) | 0.00 | 323 |
| 2019-07-01 | $269,900 (1.9%) | $329,229 (2.1%) | 0.00 | 354 |
| 2019-08-01 | $269,927 (1.9%) | $331,249 (3.1%) | 0.00 | 357 |
| 2019-09-01 | $269,968 (2.9%) | $330,617 (5.1%) | 0.00 | 356 |
| 2019-10-01 | $270,000 (1.9%) | $331,016 (2.9%) | 0.00 | 348 |
| 2019-11-01 | $259,900 (-1.9%) | $315,689 (-0.1%) | 0.00 | 314 |
| 2019-12-01 | $262,500 (-0.9%) | $310,831 (-1.0%) | 0.00 | 268 |
| 2020-01-01 | $265,000 (0.0%) | $317,417 (1.5%) | 0.00 | 231 |
| 2020-02-01 | $269,950 (1.9%) | $320,781 (1.3%) | 0.00 | 249 |
| 2020-03-01 | $279,675 (3.5%) | $319,828 (-1.7%) | 0.00 | 267 |
| 2020-04-01 | $280,000 (0.5%) | $316,304 (-8.2%) | 0.00 | 240 |
| 2020-05-01 | $280,000 (0.0%) | $313,973 (-8.9%) | 0.00 | 238 |
| 2020-06-01 | $280,000 (0.0%) | $306,961 (-11.1%) | 0.00 | 261 |
| 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%) | $406,495 (19.4%) | 0.00 | 184 |
| 2022-07-01 | $336,600 (12.2%) | $402,975 (19.5%) | 0.00 | 189 |
| 2022-08-01 | $337,475 (16.6%) | $398,032 (19.3%) | 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%) | $411,911 (12.3%) | 0.00 | 110 |
| 2023-06-01 | $362,450 (6.6%) | $410,625 (1.0%) | 0.00 | 128 |
| 2023-07-01 | $360,000 (7.0%) | $412,727 (2.4%) | 0.00 | 132 |
| 2023-08-01 | $354,950 (5.2%) | $414,694 (4.2%) | 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 | $397,450 (8.9%) | $466,421 (13.2%) | 0.00 | 135 |
| 2024-06-01 | $399,900 (10.3%) | $462,215 (12.6%) | 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 |
| 2024-12-01 | $352,425 (-1.4%) | $427,193 (-1.3%) | 0.00 | 135 |
| 2025-01-01 | $362,650 (0.1%) | $441,047 (-0.8%) | 0.00 | 114 |
| 2025-02-01 | $361,900 (2.7%) | $430,312 (1.5%) | 0.00 | 116 |
| 2025-03-01 | $389,900 (5.5%) | $449,393 (1.9%) | 0.00 | 109 |
| 2025-04-01 | $399,600 (7.0%) | $463,776 (3.9%) | 0.00 | 129 |
| 2025-05-01 | $399,500 (0.5%) | $452,853 (-2.9%) | 0.00 | 138 |
Watertown - Fort Atkinson's median listing price comes in at 0% of the national average.
Watertown - Fort Atkinson's average listing price for 2025-05-01 was $452,853, a difference of $-13,568 (-2.9%) versus the prior year and $-10,923 versus the prior month.
For the 2025-05-01 period, Watertown - Fort Atkinson had 138 MLS listings, a difference of 9 listings (7%) versus the prior month and 3 listings (2%) 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 | 1,808 sqft |
| 2018-03-01 | 0 days | 1,848 sqft |
| 2018-04-01 | 0 days | 1,853 sqft |
| 2018-05-01 | 0 days | 1,934 sqft |
| 2018-06-01 | 0 days | 1,938 sqft |
| 2018-07-01 | 0 days | 1,864 sqft |
| 2018-08-01 | 0 days | 1,872 sqft |
| 2018-09-01 | 0 days | 1,820 sqft |
| 2018-10-01 | 0 days | 1,871 sqft |
| 2018-11-01 | 0 days | 1,853 sqft |
| 2018-12-01 | 0 days | 1,802 sqft |
| 2019-01-01 | 0 days | 1,800 sqft |
| 2019-02-01 | 0 days | 1,800 sqft |
| 2019-03-01 | 0 days | 1,869 sqft |
| 2019-04-01 | 0 days | 1,930 sqft |
| 2019-05-01 | 0 days | 1,904 sqft |
| 2019-06-01 | 0 days | 1,945 sqft |
| 2019-07-01 | 0 days | 1,908 sqft |
| 2019-08-01 | 0 days | 1,928 sqft |
| 2019-09-01 | 0 days | 1,953 sqft |
| 2019-10-01 | 0 days | 1,982 sqft |
| 2019-11-01 | 0 days | 1,806 sqft |
| 2019-12-01 | 0 days | 1,807 sqft |
| 2020-01-01 | 0 days | 1,833 sqft |
| 2020-02-01 | 0 days | 1,835 sqft |
| 2020-03-01 | 0 days | 1,808 sqft |
| 2020-04-01 | 0 days | 1,883 sqft |
| 2020-05-01 | 0 days | 1,867 sqft |
| 2020-06-01 | 0 days | 1,859 sqft |
| 2020-07-01 | 0 days | 1,858 sqft |
| 2020-08-01 | 0 days | 1,806 sqft |
| 2020-09-01 | 0 days | 1,883 sqft |
| 2020-10-01 | 0 days | 1,820 sqft |
| 2020-11-01 | 0 days | 1,792 sqft |
| 2020-12-01 | 0 days | 1,755 sqft |
| 2021-01-01 | 0 days | 1,783 sqft |
| 2021-02-01 | 0 days | 1,754 sqft |
| 2021-03-01 | 0 days | 1,802 sqft |
| 2021-04-01 | 0 days | 1,804 sqft |
| 2021-05-01 | 0 days | 1,874 sqft |
| 2021-06-01 | 0 days | 1,896 sqft |
| 2021-07-01 | 0 days | 1,850 sqft |
| 2021-08-01 | 0 days | 1,805 sqft |
| 2021-09-01 | 0 days | 1,863 sqft |
| 2021-10-01 | 0 days | 1,828 sqft |
| 2021-11-01 | 0 days | 1,757 sqft |
| 2021-12-01 | 0 days | 1,836 sqft |
| 2022-01-01 | 0 days | 1,902 sqft |
| 2022-02-01 | 0 days | 1,925 sqft |
| 2022-03-01 | 0 days | 1,782 sqft |
| 2022-04-01 | 0 days | 1,800 sqft |
| 2022-05-01 | 0 days | 1,909 sqft |
| 2022-06-01 | 0 days | 1,898 sqft |
| 2022-07-01 | 0 days | 1,892 sqft |
| 2022-08-01 | 0 days | 1,886 sqft |
| 2022-09-01 | 0 days | 1,895 sqft |
| 2022-10-01 | 0 days | 1,972 sqft |
| 2022-11-01 | 0 days | 1,913 sqft |
| 2022-12-01 | 0 days | 1,880 sqft |
| 2023-01-01 | 0 days | 1,835 sqft |
| 2023-02-01 | 0 days | 1,806 sqft |
| 2023-03-01 | 0 days | 1,795 sqft |
| 2023-04-01 | 0 days | 1,806 sqft |
| 2023-05-01 | 0 days | 1,854 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 | 1,849 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 | 1,930 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 | 1,900 sqft |
| 2024-12-01 | 0 days | 1,775 sqft |
| 2025-01-01 | 0 days | 1,786 sqft |
| 2025-02-01 | 0 days | 1,635 sqft |
| 2025-03-01 | 0 days | 1,680 sqft |
| 2025-04-01 | 0 days | 1,774 sqft |
| 2025-05-01 | 0 days | 1,750 sqft |
Watertown - Fort Atkinson's median square footage for active listings during the 2025-05-01 period was 1,750 sqft. One year prior, the average listing was 1,896 sqft.
Watertown-Fort Atkinson, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 865 | $260,955,000 | $301,682 |
| Refi | 306 | $56,930,000 | $186,046 |
| Other | 276 | $18,890,000 | $68,442 |
| Cash Out Refi | 232 | $43,210,000 | $186,250 |
| Home Improvement | 229 | $16,245,000 | $70,939 |
| NA | 1 | $365,000 | $365,000 |
Watertown - Fort Atkinson's most frequently cited loan purpose was Home Purchase, with 865 originations. The 2nd most popular reason was Refi, with 306 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 604 | $183,140,000 | $303,212 |
| 7-8% | 381 | $75,435,000 | $197,992 |
| Over 8% | 349 | $33,035,000 | $94,656 |
| <2.5% | 217 | $15,425,000 | $71,083 |
| 5-6% | 163 | $43,525,000 | $267,025 |
| 3-4% | 7 | $695,000 | $99,286 |
| 4-5% | 4 | $1,190,000 | $297,500 |
During 2024, Watertown - Fort Atkinson's most frequently originated rate bucket was 6-7%, with 604 originations.
Loan Sizing (Watertown-Fort Atkinson, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 689 | $194,685,000 | $282,562 |
| $100,000 or less | 652 | $32,450,000 | $49,770 |
| $100k-200k | 413 | $60,355,000 | $146,138 |
| $400k-600k | 119 | $54,715,000 | $459,790 |
| $600k-1000k | 29 | $21,465,000 | $740,172 |
| $Over $1MM | 7 | $32,925,000 | $4,703,571 |
Watertown - Fort Atkinson's loan sizing saw the bucket of loans from $200k-400k with 689 originations, totaling $194,685,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 509 | $148,785,000 | $292,308 |
| Under 20% | 434 | $20,300,000 | $46,774 |
| 60-80% | 310 | $110,940,000 | $357,871 |
| 20-40% | 300 | $30,730,000 | $102,433 |
| 40-60% | 133 | $30,905,000 | $232,368 |
| Over 100% | 20 | $6,120,000 | $306,000 |
Watertown - Fort Atkinson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 509 originations, totaling $148,785,000 in origination value.