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.).
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.
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.
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.
