Watertown - Fort Atkinson Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Watertown - Fort Atkinson averaged 6.61% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 6.89% and one month ago for the week of 2024-04-18, the average rate was 6.97%.

Watertown - Fort Atkinson's average rate one year ago was 6.06%.

For refis of the same type during the week of 2024-05-23, the average rate was 7.44%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Watertown - Fort Atkinson 30 Year Fixed Rate 2024-05-23 6.61%
Watertown - Fort Atkinson 30 Year Fixed Rate Refi 2024-05-23 7.44%
Watertown - Fort Atkinson 15 Year Fixed Rate 2024-05-23 6.34%
Watertown - Fort Atkinson 15 Year Fixed Rate Refi 2024-05-23 6.44%
Watertown - Fort Atkinson 30 Year FHA 2024-05-23 6.65%
Watertown - Fort Atkinson 30 Year FHA Refi 2024-05-23 6.95%
Watertown - Fort Atkinson 30 Year USDA 2024-05-23 6.84%
Watertown - Fort Atkinson 30 Year USDA Refi 2024-05-23 6.54%
Watertown - Fort Atkinson 30 Year VA 2024-05-23 6.57%
Watertown - Fort Atkinson 30 Year VA Refi 2024-05-23 6.77%
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
Watertown - Fort Atkinson's median listing price for 2024-04-01 was $373,450, a difference of $6,450 (1.8%) versus the prior year and $4,000 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 2024-04-01 was $446,602, a difference of $27,698 (6.6%) versus the prior year and $5,748 versus the prior month.

For the 2024-04-01 period, Watertown - Fort Atkinson had 111 MLS listings, a difference of 6 listings (6%) versus the prior month and 9 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 1,849 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
Watertown - Fort Atkinson's median listing age (time on market) for 2024-04-01 was 0 days.

Watertown - Fort Atkinson's median square footage for active listings during the 2024-04-01 period was 1,792 sqft. One year prior, the average listing was 1,806 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.