Watertown - Fort Atkinson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Watertown - Fort Atkinson averaged
6.75%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.98% and
one month ago for the week of 2023-02-09, the
average rate was 6.17%.
Watertown - Fort Atkinson's average rate one year ago was 3.5%.
For refis of the same type during the week of 2023-03-16, the average rate
was 7.14%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| Watertown - Fort Atkinson 30 Year Fixed Rate | 2023-03-16 | 6.75% |
| Watertown - Fort Atkinson 30 Year Fixed Rate Refi | 2023-03-16 | 7.14% |
| Watertown - Fort Atkinson 15 Year Fixed Rate | 2023-03-16 | 6.19% |
| Watertown - Fort Atkinson 15 Year Fixed Rate Refi | 2023-03-16 | 6.63% |
| Watertown - Fort Atkinson 30 Year FHA | 2023-03-16 | 6.23% |
| Watertown - Fort Atkinson 30 Year FHA Refi | 2023-03-16 | 6.04% |
| Watertown - Fort Atkinson 30 Year USDA | 2023-03-16 | 6.61% |
| Watertown - Fort Atkinson 30 Year USDA Refi | 2023-03-16 | 5.89% |
| Watertown - Fort Atkinson 30 Year VA | 2023-03-16 | 6.22% |
| Watertown - Fort Atkinson 30 Year VA Refi | 2023-03-16 | 6% |
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 137 lenders originated 2,545
loans during 2022. The total origination value was $546,805,000, with an average loan value of
$214,855.
Watertown - Fort Atkinson's average closing costs are $3,281.
The top Watertown - Fort Atkinson lender as defined by loan originations is Summit Credit Union, with
123 loans originated. Their average total fees are
$2,679, which is $898
higher than the next largest lender,
Servion, Inc..
The lowest fee Watertown - Fort Atkinson lenders (with over 10 loans originated) are
Servion, Inc. ($1,780), PremierBank ($1,930), A + MORTGAGE SERVICES, INC. ($1,954), Landmark Credit Union ($2,009) and Farmers & Merchants State Bank ($2,059).
The lowest rate Watertown - Fort Atkinson lenders (with over 10 loans originated) are
University of Wisconsin Credit Union (4.07%), Mr. Cooper ( Nationstar Mortgage ) (4.26%), Landmark Credit Union (4.30%), U.S. Bank (4.35%) and Summit Credit Union (4.37%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| Summit Credit Union | $96,615,000 | $64,285,000 | -33.5% | 11.8% |
| Grandbridge Real Estate Capital LLC | $25,045,000 | n/a | 4.6% | |
| Landmark Credit Union | $33,070,000 | $23,420,000 | -29.2% | 4.3% |
| PremierBank | $50,755,000 | $22,500,000 | -55.7% | 4.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $36,645,000 | $21,510,000 | -41.3% | 3.9% |
| Johnson Bank | $33,700,000 | $20,350,000 | -39.6% | 3.7% |
| University of Wisconsin Credit Union | $32,680,000 | $18,895,000 | -42.2% | 3.5% |
| Servion, Inc. | $47,350,000 | $16,830,000 | -64.5% | 3.1% |
| QUICKEN LOANS, LLC | $30,625,000 | $15,220,000 | -50.3% | 2.8% |
| WALKER & DUNLOP, LLC | $14,685,000 | n/a | 2.7% | |
| Badger Bank | $31,110,000 | $12,970,000 | -58.3% | 2.4% |
| Oregon Community Bank | $3,005,000 | $12,205,000 | 306.2% | 2.2% |
| Associated Bank | $17,970,000 | $9,605,000 | -46.5% | 1.8% |
| THOMPSON KANE & COMPANY, LLC | $8,775,000 | $8,975,000 | 2.3% | 1.6% |
| Bank of Deerfield | $8,265,000 | $8,400,000 | 1.6% | 1.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $16,270,000 | $8,380,000 | -48.5% | 1.5% |
| Bank Five Nine | $11,070,000 | $7,340,000 | -33.7% | 1.3% |
| NEWREZ LLC | $11,060,000 | $7,275,000 | -34.2% | 1.3% |
| COMPEER FINANCIAL, FLCA | $11,060,000 | $7,055,000 | -36.2% | 1.3% |
| State Bank of Cross Plains | $1,570,000 | $6,845,000 | 336.0% | 1.3% |
| Peoples State Bank | $6,675,000 | n/a | 1.2% | |
| Farmers & Merchants State Bank | $12,240,000 | $6,245,000 | -49.0% | 1.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,045,000 | $6,125,000 | -32.3% | 1.1% |
| First Midwest Bank | $1,310,000 | $6,005,000 | 358.4% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,305,000 | $5,700,000 | 336.8% | 1.0% |
| Wells Fargo Bank | $13,615,000 | $5,010,000 | -63.2% | 0.9% |
| GUILD MORTGAGE COMPANY | $3,655,000 | $4,985,000 | 36.4% | 0.9% |
| Waukesha State Bank | $8,320,000 | $4,745,000 | -43.0% | 0.9% |
| Prosperity Home Mortgage, LLC | $5,325,000 | $4,620,000 | -13.2% | 0.8% |
| Mortgage Research Center, LLC | $10,035,000 | $4,280,000 | -57.3% | 0.8% |
| WISCONSIN MORTGAGE CORPORATION | $6,155,000 | $4,030,000 | -34.5% | 0.7% |
| INLANTA MORTGAGE, INC. | $9,045,000 | $4,015,000 | -55.6% | 0.7% |
| The Greenwood's State Bank | $14,800,000 | $3,910,000 | -73.6% | 0.7% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,200,000 | $3,785,000 | 215.4% | 0.7% |
| Barrington Bank & Trust Company, N.A. | $8,865,000 | $3,680,000 | -58.5% | 0.7% |
| Hometown Bank | $6,175,000 | $3,615,000 | -41.5% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $9,360,000 | $3,595,000 | -61.6% | 0.7% |
| BMO Harris Bank | $4,430,000 | $3,575,000 | -19.3% | 0.7% |
| Bank First, N.A. | $4,815,000 | $3,555,000 | -26.2% | 0.7% |
| A + MORTGAGE SERVICES, INC. | $4,780,000 | $3,470,000 | -27.4% | 0.6% |
| Old National Bank | $2,260,000 | $3,460,000 | 53.1% | 0.6% |
| U.S. Bank | $10,495,000 | $3,450,000 | -67.1% | 0.6% |
| Great Midwest Bank, S.S.B. | $6,140,000 | $3,315,000 | -46.0% | 0.6% |
| GUARANTEED RATE, INC. | $6,565,000 | $3,205,000 | -51.2% | 0.6% |
| Independent Bank | $3,185,000 | n/a | 0.6% | |
| PENNYMAC LOAN SERVICES, LLC | $4,670,000 | $3,100,000 | -33.6% | 0.6% |
| LOANDEPOT.COM, LLC | $11,560,000 | $3,070,000 | -73.4% | 0.6% |
| HOME POINT FINANCIAL CORPORATION | $3,655,000 | $3,025,000 | -17.2% | 0.6% |
| Ixonia Bank | $9,945,000 | $2,915,000 | -70.7% | 0.5% |
| EDUCATORS CREDIT UNION | $1,910,000 | $2,640,000 | 38.2% | 0.5% |
| BROKER SOLUTIONS, INC. | $2,420,000 | $2,535,000 | 4.8% | 0.5% |
| WaterStone Bank, SSB | $25,000 | $2,515,000 | 9,960.0% | 0.5% |
| Blackhawk Community Credit Union | $3,980,000 | $2,435,000 | -38.8% | 0.4% |
| CALIBER HOME LOANS, INC. | $5,635,000 | $2,365,000 | -58.0% | 0.4% |
| Bank of England | $5,135,000 | $2,310,000 | -55.0% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $2,410,000 | $2,245,000 | -6.8% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $12,845,000 | $2,240,000 | -82.6% | 0.4% |
| Town Bank, N.A. | $2,200,000 | n/a | 0.4% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,895,000 | $2,010,000 | -30.6% | 0.4% |
| JPMorgan Chase Bank | $5,535,000 | $1,940,000 | -65.0% | 0.4% |
| MARINE | $1,095,000 | $1,925,000 | 75.8% | 0.4% |
| The Equitable Bank, S.S.B. | $2,125,000 | $1,820,000 | -14.4% | 0.3% |
| Bank of America | $1,000,000 | $1,735,000 | 73.5% | 0.3% |
| The Park Bank | $2,695,000 | $1,645,000 | -39.0% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $4,475,000 | $1,640,000 | -63.4% | 0.3% |
| Midwest Community Bank | $265,000 | $1,485,000 | 460.4% | 0.3% |
| Flagstar Bank, FSB | $3,150,000 | $1,480,000 | -53.0% | 0.3% |
| PLANET HOME LENDING, LLC | $2,085,000 | $1,450,000 | -30.5% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $400,000 | $1,350,000 | 237.5% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $2,700,000 | $1,325,000 | -50.9% | 0.2% |
| Morgan Stanley Private Bank | $1,325,000 | n/a | 0.2% | |
| Nations Lending Corporation | $105,000 | $1,250,000 | 1,090.5% | 0.2% |
| CMG MORTGAGE, INC. | $3,610,000 | $1,230,000 | -65.9% | 0.2% |
| The First National Bank and Trust Company | $3,110,000 | $1,225,000 | -60.6% | 0.2% |
| First Federal Bank | $5,895,000 | $1,205,000 | -79.6% | 0.2% |
| Wisconsin Bank & Trust | $115,000 | $1,205,000 | 947.8% | 0.2% |
| Deere Employees Credit Union | $35,000 | $1,195,000 | 3,314.3% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $3,165,000 | $1,140,000 | -64.0% | 0.2% |
| Heartland Credit Union (Madison) | $800,000 | $1,105,000 | 38.1% | 0.2% |
| Monona Bank | $1,790,000 | $1,050,000 | -41.3% | 0.2% |
| USAA Federal Savings Bank | $2,330,000 | $1,000,000 | -57.1% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $265,000 | $955,000 | 260.4% | 0.2% |
| Westbury Bank | $1,130,000 | $935,000 | -17.3% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $3,065,000 | $865,000 | -71.8% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $1,685,000 | $865,000 | -48.7% | 0.2% |
| The Bank of New Glarus | $1,410,000 | $805,000 | -42.9% | 0.1% |
| Bell Bank | $3,365,000 | $800,000 | -76.2% | 0.1% |
| Citizens Bank | $1,275,000 | $795,000 | -37.6% | 0.1% |
| Mid-Continent Funding, Inc. | $750,000 | n/a | 0.1% | |
| ACADEMY MORTGAGE CORPORATION | $845,000 | $740,000 | -12.4% | 0.1% |
| Charles Schwab Bank, SSB | $735,000 | n/a | 0.1% | |
| The Huntington National Bank | $545,000 | $675,000 | 23.9% | 0.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | $3,465,000 | $665,000 | -80.8% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $1,360,000 | $660,000 | -51.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $825,000 | $650,000 | -21.2% | 0.1% |
| Nicolet National Bank | $625,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $620,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $2,755,000 | $620,000 | -77.5% | 0.1% |
| Citizens Bank | $1,275,000 | $565,000 | -55.7% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $450,000 | $545,000 | 21.1% | 0.1% |
| Bank of Sun Prairie | $1,705,000 | $525,000 | -69.2% | 0.1% |
| Midwest Bank | $515,000 | n/a | 0.1% | |
| NATIONS RELIABLE LENDING, LLC | $1,705,000 | $515,000 | -69.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $410,000 | $505,000 | 23.2% | 0.1% |
| Discover Bank | $35,000 | $500,000 | 1,328.6% | 0.1% |
| North Shore Bank FSB | $2,400,000 | $490,000 | -79.6% | 0.1% |
| The Federal Savings Bank | $1,145,000 | $490,000 | -57.2% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $475,000 | n/a | 0.1% | |
| Bank of Wisconsin Dells | $465,000 | n/a | 0.1% | |
| SOFI LENDING CORP. | $460,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $560,000 | $440,000 | -21.4% | 0.1% |
| CIBM Bank | $615,000 | $435,000 | -29.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $180,000 | $420,000 | 133.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,040,000 | $420,000 | -59.6% | 0.1% |
| EVERETT FINANCIAL, INC. | $400,000 | n/a | 0.1% | |
| FOX COMMUNITIES | $400,000 | n/a | 0.1% | |
| EMM LOANS LLC | $395,000 | n/a | 0.1% | |
| CLEARPOINTE CAPITAL, LLC | $85,000 | $390,000 | 358.8% | 0.1% |
| First Savings Bank | $780,000 | $365,000 | -53.2% | 0.1% |
| Home Federal Savings Bank | $245,000 | $365,000 | 49.0% | 0.1% |
| PyraMax Bank, FSB | $1,485,000 | $365,000 | -75.4% | 0.1% |
| Sauk Valley Bank & Trust Company | $365,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $365,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $355,000 | n/a | 0.1% | |
| Northpointe Bank | $355,000 | n/a | 0.1% | |
| Farmers and Merchants Union Bank | $950,000 | $350,000 | -63.2% | 0.1% |
| Loan Simple, Inc. | $430,000 | $345,000 | -19.8% | 0.1% |
| Citibank | $175,000 | $340,000 | 94.3% | 0.1% |
| BAY EQUITY LLC | $335,000 | n/a | 0.1% | |
| Holcomb Bank | $335,000 | n/a | 0.1% | |
| NEW FED MORTGAGE, CORP. | $325,000 | n/a | 0.1% | |
| Guardian Credit Union | $195,000 | $320,000 | 64.1% | 0.1% |
| Waterstone Mortgage Corporation | $2,195,000 | $315,000 | -85.6% | 0.1% |
| JLB CORPORATION | $225,000 | $310,000 | 37.8% | 0.1% |
| Southern Bank | $300,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $295,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $355,000 | $295,000 | -16.9% | 0.1% |
| INLAND BANK & TRUST | $295,000 | n/a | 0.1% | |
| Oak Bank | $905,000 | $295,000 | -67.4% | 0.1% |
| Magnolia Bank | $1,315,000 | $285,000 | -78.3% | 0.1% |
| Prevail Bank | $335,000 | $285,000 | -14.9% | 0.1% |
| Summit Mortgage Corporation | $285,000 | n/a | 0.1% | |
| First Community Bank | $280,000 | n/a | 0.1% | |
| Ameris Bank | $275,000 | n/a | 0.1% | |
| Capitol Federal Savings Bank | $275,000 | n/a | 0.1% | |
| CIBC Bank USA | $1,105,000 | $275,000 | -75.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $390,000 | $270,000 | -30.8% | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | $255,000 | n/a | 0.0% | |
| LOANPAL, LLC | $215,000 | $250,000 | 16.3% | 0.0% |
| Horicon Bank | $360,000 | $245,000 | -31.9% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $330,000 | $245,000 | -25.8% | 0.0% |
| MidWestOne Bank | $245,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $470,000 | $240,000 | -48.9% | 0.0% |
| First Guaranty Mortgage Corporation | $1,120,000 | $235,000 | -79.0% | 0.0% |
| Carrington Mortgage Services, LLC | $2,850,000 | $225,000 | -92.1% | 0.0% |
| GSF Mortgage Corporation | $3,945,000 | $225,000 | -94.3% | 0.0% |
| Lend Smart Mortgage, LLC | $225,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $265,000 | $225,000 | -15.1% | 0.0% |
| Collins State Bank | $215,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $215,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $345,000 | $215,000 | -37.7% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $1,240,000 | $215,000 | -82.7% | 0.0% |
| Bank of Colorado | $205,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $935,000 | $205,000 | -78.1% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $410,000 | $205,000 | -50.0% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $1,600,000 | $205,000 | -87.2% | 0.0% |
| THRIVENT Federal Credit Union | $145,000 | $195,000 | 34.5% | 0.0% |
| WOODTRUST BANK | $195,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $950,000 | $185,000 | -80.5% | 0.0% |
| DMB Community Bank | $1,135,000 | $175,000 | -84.6% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $165,000 | $165,000 | 0.0% | 0.0% |
| CoVantage Credit Union | $105,000 | $165,000 | 57.1% | 0.0% |
| Equity Prime Mortgage LLC | $155,000 | $165,000 | 6.5% | 0.0% |
| MORTGAGE CENTER L.C | $165,000 | n/a | 0.0% | |
| Settlers Bank | $1,380,000 | $165,000 | -88.0% | 0.0% |
| TOWER | $165,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $155,000 | n/a | 0.0% | |
| Low VA Rates, LLC | $155,000 | n/a | 0.0% | |
| Mound City Bank | $410,000 | $155,000 | -62.2% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $155,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $560,000 | $155,000 | -72.3% | 0.0% |
| UNITED HOME LOANS, INC. | $155,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $145,000 | n/a | 0.0% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $235,000 | $145,000 | -38.3% | 0.0% |
| M&T Bank | $545,000 | $145,000 | -73.4% | 0.0% |
| Plains Commerce Bank | $145,000 | n/a | 0.0% | |
| PNC Bank | $1,290,000 | $135,000 | -89.5% | 0.0% |
| SeaTrust Mortgage Company | $135,000 | n/a | 0.0% | |
| AFFINITY PLUS | $125,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $155,000 | $125,000 | -19.4% | 0.0% |
| ADVIA | $120,000 | n/a | 0.0% | |
| Figure Lending LLC | $105,000 | $120,000 | 14.3% | 0.0% |
| Cornerstone Community Bank | $515,000 | $85,000 | -83.5% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $635,000 | $80,000 | -87.4% | 0.0% |
| 21ST MORTGAGE CORPORATION | $140,000 | $70,000 | -50.0% | 0.0% |
| National Exchange Bank and Trust | $310,000 | $65,000 | -79.0% | 0.0% |
| SPRING EQ, LLC | $250,000 | $65,000 | -74.0% | 0.0% |
| Bank of Milton | $1,675,000 | $55,000 | -96.7% | 0.0% |
| Royal Bank | $145,000 | $55,000 | -62.1% | 0.0% |
| The Peoples Community Bank | $265,000 | $45,000 | -83.0% | 0.0% |
| Fox Valley Savings Bank | $285,000 | $25,000 | -91.2% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | $25,000 | 0.0% | 0.0% |
Watertown - Fort Atkinson's top lender by overall market share is Summit Credit Union, with 11.8% market share. In second place, with 4.6%, is Grandbridge Real Estate Capital LLC, having originated $25,045,000 in loans. In third place, with 4.3%, is Landmark Credit Union, having originated $23,420,000 in loans. In fourth place, with 4.1%, is PremierBank, having originated $22,500,000 in loans. In fifth place, with 3.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $21,510,000 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 | $255,000 (6.7%) | $309,999 (10.5%) | 0.00 | 216 |
| 2018-02-01 | $265,000 (10.4%) | $329,466 (20.4%) | 0.00 | 214 |
| 2018-03-01 | $275,000 (12.5%) | $342,255 (24.7%) | 0.00 | 217 |
| 2018-04-01 | $274,975 (12.2%) | $344,754 (17.5%) | 0.00 | 207 |
| 2018-05-01 | $275,000 (11.4%) | $362,723 (23.6%) | 0.00 | 194 |
| 2018-06-01 | $275,000 (10.0%) | $357,145 (18.2%) | 0.00 | 220 |
| 2018-07-01 | $275,000 (10.0%) | $343,897 (14.2%) | 0.00 | 242 |
| 2018-08-01 | $269,675 (6.8%) | $338,931 (9.0%) | 0.00 | 281 |
| 2018-09-01 | $265,000 (2.0%) | $329,305 (4.8%) | 0.00 | 279 |
| 2018-10-01 | $270,925 (5.2%) | $336,588 (6.5%) | 0.00 | 276 |
| 2018-11-01 | $271,400 (8.6%) | $330,995 (6.3%) | 0.00 | 270 |
| 2018-12-01 | $265,000 (3.9%) | $320,507 (4.0%) | 0.00 | 247 |
| 2019-01-01 | $268,475 (5.3%) | $325,894 (5.1%) | 0.00 | 214 |
| 2019-02-01 | $270,000 (1.9%) | $329,076 (-0.1%) | 0.00 | 197 |
| 2019-03-01 | $278,529 (1.3%) | $342,417 (0.1%) | 0.00 | 194 |
| 2019-04-01 | $285,779 (3.9%) | $354,949 (3.0%) | 0.00 | 201 |
| 2019-05-01 | $285,975 (4.0%) | $363,210 (0.1%) | 0.00 | 220 |
| 2019-06-01 | $289,500 (5.3%) | $370,997 (3.9%) | 0.00 | 228 |
| 2019-07-01 | $280,000 (1.8%) | $353,278 (2.7%) | 0.00 | 254 |
| 2019-08-01 | $279,900 (3.8%) | $350,971 (3.6%) | 0.00 | 260 |
| 2019-09-01 | $279,900 (5.6%) | $349,538 (6.1%) | 0.00 | 265 |
| 2019-10-01 | $279,950 (3.3%) | $348,583 (3.6%) | 0.00 | 262 |
| 2019-11-01 | $265,000 (-2.4%) | $331,236 (0.1%) | 0.00 | 238 |
| 2019-12-01 | $269,900 (1.9%) | $326,466 (1.9%) | 0.00 | 211 |
| 2020-01-01 | $274,850 (2.4%) | $334,598 (2.7%) | 0.00 | 187 |
| 2020-02-01 | $280,000 (3.7%) | $346,777 (5.4%) | 0.00 | 182 |
| 2020-03-01 | $287,048 (3.1%) | $353,973 (3.4%) | 0.00 | 178 |
| 2020-04-01 | $299,250 (4.7%) | $345,146 (-2.8%) | 0.00 | 156 |
| 2020-05-01 | $290,950 (1.7%) | $340,989 (-6.1%) | 0.00 | 147 |
| 2020-06-01 | $299,950 (3.6%) | $338,591 (-8.7%) | 0.00 | 156 |
| 2020-07-01 | $299,900 (7.1%) | $360,065 (1.9%) | 0.00 | 161 |
| 2020-08-01 | $289,950 (3.6%) | $367,445 (4.7%) | 0.00 | 153 |
| 2020-09-01 | $280,000 (0.0%) | $369,987 (5.9%) | 0.00 | 151 |
| 2020-10-01 | $280,000 (0.0%) | $371,926 (6.7%) | 0.00 | 140 |
| 2020-11-01 | $284,950 (7.5%) | $376,446 (13.7%) | 0.00 | 130 |
| 2020-12-01 | $286,500 (6.2%) | $372,838 (14.2%) | 0.00 | 107 |
| 2021-01-01 | $314,900 (14.6%) | $369,236 (10.4%) | 0.00 | 80 |
| 2021-02-01 | $323,675 (15.6%) | $394,153 (13.7%) | 0.00 | 63 |
| 2021-03-01 | $335,000 (16.7%) | $416,920 (17.8%) | 0.00 | 67 |
| 2021-04-01 | $335,000 (12.0%) | $387,749 (12.3%) | 0.00 | 72 |
| 2021-05-01 | $349,950 (20.3%) | $398,831 (17.0%) | 0.00 | 74 |
| 2021-06-01 | $349,900 (16.7%) | $376,836 (11.3%) | 0.00 | 87 |
| 2021-07-01 | $335,000 (11.7%) | $372,027 (3.3%) | 0.00 | 104 |
| 2021-08-01 | $320,775 (10.6%) | $370,228 (0.8%) | 0.00 | 110 |
| 2021-09-01 | $329,900 (17.8%) | $378,141 (2.2%) | 0.00 | 123 |
| 2021-10-01 | $329,000 (17.5%) | $392,492 (5.5%) | 0.00 | 116 |
| 2021-11-01 | $301,750 (5.9%) | $363,221 (-3.5%) | 0.00 | 102 |
| 2021-12-01 | $319,950 (11.7%) | $377,433 (1.2%) | 0.00 | 81 |
| 2022-01-01 | $337,000 (7.0%) | $394,232 (6.8%) | 0.00 | 73 |
| 2022-02-01 | $357,400 (10.4%) | $400,841 (1.7%) | 0.00 | 61 |
| 2022-03-01 | $347,175 (3.6%) | $393,458 (-5.6%) | 0.00 | 58 |
| 2022-04-01 | $335,000 (0.0%) | $381,148 (-1.7%) | 0.00 | 60 |
| 2022-05-01 | $354,950 (1.4%) | $402,007 (0.8%) | 0.00 | 75 |
| 2022-06-01 | $349,950 (0.0%) | $437,963 (16.2%) | 0.00 | 100 |
| 2022-07-01 | $350,000 (4.5%) | $433,615 (16.6%) | 0.00 | 121 |
| 2022-08-01 | $356,175 (11.0%) | $436,357 (17.9%) | 0.00 | 120 |
| 2022-09-01 | $350,875 (6.4%) | $423,265 (11.9%) | 0.00 | 122 |
| 2022-10-01 | $362,400 (10.2%) | $427,411 (8.9%) | 0.00 | 114 |
| 2022-11-01 | $349,950 (16.0%) | $423,344 (16.6%) | 0.00 | 95 |
| 2022-12-01 | $357,200 (11.6%) | $418,926 (11.0%) | 0.00 | 77 |
| 2023-01-01 | $359,875 (6.8%) | $419,064 (6.3%) | 0.00 | 75 |
| 2023-02-01 | $365,000 (2.1%) | $443,096 (10.5%) | 0.00 | 62 |
Watertown - Fort Atkinson's median listing price comes in at 0% of the national average.
Watertown - Fort Atkinson's average listing price for 2023-02-01 was $443,096, a difference of $42,255 (10.5%) versus the prior year and $24,032 versus the prior month.
For the 2023-02-01 period, Watertown - Fort Atkinson had 62 MLS listings, a difference of -13 listings (-17%) versus the prior month and 1 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 | 1,745 sqft |
| 2018-02-01 | 0 days | 1,845 sqft |
| 2018-03-01 | 0 days | 1,943 sqft |
| 2018-04-01 | 0 days | 1,910 sqft |
| 2018-05-01 | 0 days | 1,967 sqft |
| 2018-06-01 | 0 days | 2,000 sqft |
| 2018-07-01 | 0 days | 1,939 sqft |
| 2018-08-01 | 0 days | 1,916 sqft |
| 2018-09-01 | 0 days | 1,836 sqft |
| 2018-10-01 | 0 days | 1,885 sqft |
| 2018-11-01 | 0 days | 1,919 sqft |
| 2018-12-01 | 0 days | 1,820 sqft |
| 2019-01-01 | 0 days | 1,816 sqft |
| 2019-02-01 | 0 days | 1,845 sqft |
| 2019-03-01 | 0 days | 1,911 sqft |
| 2019-04-01 | 0 days | 1,952 sqft |
| 2019-05-01 | 0 days | 1,948 sqft |
| 2019-06-01 | 0 days | 2,045 sqft |
| 2019-07-01 | 0 days | 1,992 sqft |
| 2019-08-01 | 0 days | 2,011 sqft |
| 2019-09-01 | 0 days | 2,039 sqft |
| 2019-10-01 | 0 days | 2,060 sqft |
| 2019-11-01 | 0 days | 1,856 sqft |
| 2019-12-01 | 0 days | 1,848 sqft |
| 2020-01-01 | 0 days | 1,884 sqft |
| 2020-02-01 | 0 days | 1,843 sqft |
| 2020-03-01 | 0 days | 1,864 sqft |
| 2020-04-01 | 0 days | 1,918 sqft |
| 2020-05-01 | 0 days | 1,893 sqft |
| 2020-06-01 | 0 days | 1,884 sqft |
| 2020-07-01 | 0 days | 1,876 sqft |
| 2020-08-01 | 0 days | 1,858 sqft |
| 2020-09-01 | 0 days | 1,933 sqft |
| 2020-10-01 | 0 days | 1,850 sqft |
| 2020-11-01 | 0 days | 1,836 sqft |
| 2020-12-01 | 0 days | 1,781 sqft |
| 2021-01-01 | 0 days | 1,770 sqft |
| 2021-02-01 | 0 days | 1,708 sqft |
| 2021-03-01 | 0 days | 1,840 sqft |
| 2021-04-01 | 0 days | 1,902 sqft |
| 2021-05-01 | 0 days | 1,964 sqft |
| 2021-06-01 | 0 days | 1,996 sqft |
| 2021-07-01 | 0 days | 1,996 sqft |
| 2021-08-01 | 0 days | 1,923 sqft |
| 2021-09-01 | 0 days | 1,952 sqft |
| 2021-10-01 | 0 days | 1,818 sqft |
| 2021-11-01 | 0 days | 1,894 sqft |
| 2021-12-01 | 0 days | 1,896 sqft |
| 2022-01-01 | 0 days | 1,957 sqft |
| 2022-02-01 | 0 days | 1,971 sqft |
| 2022-03-01 | 0 days | 1,850 sqft |
| 2022-04-01 | 0 days | 1,899 sqft |
| 2022-05-01 | 0 days | 1,904 sqft |
| 2022-06-01 | 0 days | 1,800 sqft |
| 2022-07-01 | 0 days | 1,916 sqft |
| 2022-08-01 | 0 days | 1,890 sqft |
| 2022-09-01 | 0 days | 1,906 sqft |
| 2022-10-01 | 0 days | 1,996 sqft |
| 2022-11-01 | 0 days | 1,990 sqft |
| 2022-12-01 | 0 days | 1,996 sqft |
| 2023-01-01 | 0 days | 1,881 sqft |
| 2023-02-01 | 0 days | 1,826 sqft |
Watertown - Fort Atkinson's median square footage for active listings during the 2023-02-01 period was 1,826 sqft. One year prior, the average listing was 1,971 sqft.
Watertown-Fort Atkinson, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,077 | $334,415,000 | $310,506 |
| Refi | 447 | $94,675,000 | $211,801 |
| Cash Out Refi | 380 | $74,240,000 | $195,368 |
| Home Improvement | 345 | $22,125,000 | $64,130 |
| Other | 295 | $21,145,000 | $71,678 |
| NA | 1 | $205,000 | $205,000 |
Watertown - Fort Atkinson's most frequently cited loan purpose was Home Purchase, with 1,077 originations. The 2nd most popular reason was Refi, with 447 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 545 | $124,785,000 | $228,963 |
| 5-6% | 516 | $108,580,000 | $210,426 |
| 4-5% | 490 | $177,320,000 | $361,878 |
| <2.5% | 380 | $33,880,000 | $89,158 |
| 2.5-3% | 243 | $34,595,000 | $142,366 |
| 6-7% | 232 | $44,410,000 | $191,422 |
| 7-8% | 80 | $12,800,000 | $160,000 |
| Over 8% | 37 | $2,565,000 | $69,324 |
During 2022, Watertown - Fort Atkinson's most frequently originated rate bucket was 3-4%, with 545 originations.
Loan Sizing (Watertown-Fort Atkinson, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 846 | $233,050,000 | $275,473 |
| $100,000 or less | 779 | $36,865,000 | $47,323 |
| $100k-200k | 762 | $113,910,000 | $149,488 |
| $400k-600k | 104 | $48,060,000 | $462,115 |
| $600k-1000k | 31 | $22,755,000 | $734,032 |
| $Over $1MM | 23 | $92,165,000 | $4,007,174 |
Watertown - Fort Atkinson's loan sizing saw the bucket of loans from $200k-400k with 846 originations, totaling $233,050,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 746 | $209,310,000 | $280,576 |
| 60-80% | 634 | $191,280,000 | $301,703 |
| Under 20% | 533 | $46,265,000 | $86,801 |
| 20-40% | 345 | $35,575,000 | $103,116 |
| 40-60% | 245 | $50,785,000 | $207,286 |
| Over 100% | 15 | $5,345,000 | $356,333 |
Watertown - Fort Atkinson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 746 originations, totaling $209,310,000 in origination value.