Whitewater Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Whitewater averaged
6.87%
for the week of 2024-04-18, compared to the national average of
7.1% for the same period.
The average rate for the prior week (2024-04-11) was
7.05% and
one month ago for the week of 2024-03-14, the
average rate was 6.71%.
Whitewater's average rate one year ago was 6.34%.
For refis of the same type during the week of 2024-04-18, the average rate
was 7.06%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-18 | 7.1% |
| Whitewater 30 Year Fixed Rate | 2024-04-18 | 6.87% |
| Whitewater 30 Year Fixed Rate Refi | 2024-04-18 | 7.06% |
| Whitewater 15 Year Fixed Rate | 2024-04-18 | 6.49% |
| Whitewater 15 Year Fixed Rate Refi | 2024-04-18 | 6.69% |
| Whitewater 30 Year FHA | 2024-04-18 | 7.14% |
| Whitewater 30 Year FHA Refi | 2024-04-18 | 6.76% |
| Whitewater 30 Year USDA | 2024-04-18 | 6.76% |
| Whitewater 30 Year USDA Refi | 2024-04-18 | 6.86% |
| Whitewater 30 Year VA | 2024-04-18 | 6.86% |
| Whitewater 30 Year VA Refi | 2024-04-18 | 6.56% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Whitewater, WI.
Whitewater 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 Whitewater, 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.).
Whitewater Average Closing Costs & Other Stats
Whitewater, WI's 159 lenders originated 2,362
loans during 2023. The total origination value was $600,540,000, with an average loan value of
$254,251.
Whitewater's average closing costs are $3,656.
The top Whitewater lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
73 loans originated. Their average total fees are
$3,881, which is $1,142
lower than the next largest lender,
GUARANTEED RATE, INC..
The lowest fee Whitewater lenders (with over 10 loans originated) are
EDUCATORS CREDIT UNION ($1,950), Landmark Credit Union ($2,125), The Greenwood's State Bank ($2,272), Waukesha State Bank ($2,407) and Johnson Bank ($2,474).
The lowest rate Whitewater lenders (with over 10 loans originated) are
Old National Bank (5.65%), Morgan Stanley Private Bank (6.03%), EDUCATORS CREDIT UNION (6.06%), Citizens Bank (6.24%) and Johnson Bank (6.33%).
Whitewater, 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 |
|---|---|---|---|---|
| The First National Bank and Trust Company | $35,495,000 | $33,250,000 | -6.3% | 5.5% |
| JPMorgan Chase Bank | $36,050,000 | $31,140,000 | -13.6% | 5.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $35,295,000 | $25,605,000 | -27.5% | 4.3% |
| Associated Bank | $32,385,000 | $23,430,000 | -27.7% | 3.9% |
| GUARANTEED RATE, INC. | $23,270,000 | $20,235,000 | -13.0% | 3.4% |
| Summit Credit Union | $15,360,000 | $19,235,000 | 25.2% | 3.2% |
| U.S. Bank | $16,130,000 | $14,385,000 | -10.8% | 2.4% |
| Landmark Credit Union | $22,705,000 | $14,220,000 | -37.4% | 2.4% |
| QUICKEN LOANS, LLC | $37,660,000 | $14,040,000 | -62.7% | 2.3% |
| EDUCATORS CREDIT UNION | $18,795,000 | $13,870,000 | -26.2% | 2.3% |
| Johnson Bank | $14,835,000 | $12,540,000 | -15.5% | 2.1% |
| Barrington Bank & Trust Company, N.A. | $10,865,000 | $10,600,000 | -2.4% | 1.8% |
| ADVIA | $10,405,000 | $10,390,000 | -0.1% | 1.7% |
| Goldman Sachs Bank USA | $785,000 | $10,345,000 | 1,217.8% | 1.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $17,620,000 | $9,625,000 | -45.4% | 1.6% |
| CIBM Bank | $3,660,000 | $9,490,000 | 159.3% | 1.6% |
| University of Wisconsin Credit Union | $11,825,000 | $9,470,000 | -19.9% | 1.6% |
| BMO Harris Bank | $25,935,000 | $9,200,000 | -64.5% | 1.5% |
| Morgan Stanley Private Bank | $18,060,000 | $8,835,000 | -51.1% | 1.5% |
| The Huntington National Bank | $10,265,000 | $8,710,000 | -15.1% | 1.5% |
| Bank of America | $17,685,000 | $8,695,000 | -50.8% | 1.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $4,395,000 | $8,165,000 | 85.8% | 1.4% |
| Old National Bank | $9,410,000 | $7,465,000 | -20.7% | 1.2% |
| Community State Bank | $11,840,000 | $6,740,000 | -43.1% | 1.1% |
| The Greenwood's State Bank | $13,405,000 | $6,565,000 | -51.0% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,790,000 | $6,270,000 | 8.3% | 1.0% |
| Mortgage Research Center, LLC | $5,205,000 | $5,920,000 | 13.7% | 1.0% |
| Blackhawk Community Credit Union | $7,700,000 | $5,865,000 | -23.8% | 1.0% |
| PNC Bank | $8,410,000 | $5,850,000 | -30.4% | 1.0% |
| NEWREZ LLC | $6,570,000 | $5,570,000 | -15.2% | 0.9% |
| PROPER RATE, LLC | $4,320,000 | $5,530,000 | 28.0% | 0.9% |
| Bell Bank | $3,930,000 | $5,425,000 | 38.0% | 0.9% |
| GUILD MORTGAGE COMPANY | $1,200,000 | $5,385,000 | 348.8% | 0.9% |
| WaterStone Bank, SSB | $4,520,000 | $5,345,000 | 18.3% | 0.9% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $7,510,000 | $5,270,000 | -29.8% | 0.9% |
| UBS Bank USA | $1,950,000 | $4,770,000 | 144.6% | 0.8% |
| Citizens Bank | $2,855,000 | $4,500,000 | 57.6% | 0.7% |
| Waukesha State Bank | $6,260,000 | $4,265,000 | -31.9% | 0.7% |
| Toyota Financial Savings Bank | $3,900,000 | n/a | 0.6% | |
| Byline Bank | $3,705,000 | n/a | 0.6% | |
| Bank Five Nine | $7,935,000 | $3,680,000 | -53.6% | 0.6% |
| Great Midwest Bank, S.S.B. | $3,230,000 | $3,675,000 | 13.8% | 0.6% |
| LOANDEPOT.COM, LLC | $6,750,000 | $3,555,000 | -47.3% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,210,000 | $3,460,000 | 7.8% | 0.6% |
| GREENSTATE CREDIT UNION | $4,645,000 | $3,395,000 | -26.9% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,470,000 | $3,230,000 | 119.7% | 0.5% |
| A + MORTGAGE SERVICES, INC. | $4,280,000 | $3,225,000 | -24.6% | 0.5% |
| Bank of England | $5,290,000 | $3,210,000 | -39.3% | 0.5% |
| CIBC Bank USA | $5,325,000 | $3,110,000 | -41.6% | 0.5% |
| The Harvard State Bank | $7,040,000 | $3,015,000 | -57.2% | 0.5% |
| CARDINAL FINANCIAL | $4,725,000 | $2,920,000 | -38.2% | 0.5% |
| PLANET HOME LENDING, LLC | $2,805,000 | $2,815,000 | 0.4% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $1,415,000 | $2,720,000 | 92.2% | 0.5% |
| WISCONSIN MORTGAGE CORPORATION | $4,870,000 | $2,640,000 | -45.8% | 0.4% |
| DRAPER AND KRAMER MORTGAGE CORP. | $2,390,000 | $2,620,000 | 9.6% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $1,175,000 | $2,545,000 | 116.6% | 0.4% |
| First American Bank | $1,555,000 | $2,515,000 | 61.7% | 0.4% |
| Deerwood Bank | $2,505,000 | n/a | 0.4% | |
| Old Second National Bank | $860,000 | $2,300,000 | 167.4% | 0.4% |
| Key Mortgage Services, Inc. | $760,000 | $2,290,000 | 201.3% | 0.4% |
| Nations Lending Corporation | $800,000 | $2,210,000 | 176.3% | 0.4% |
| SUMMIT FUNDING, INC. | $205,000 | $2,140,000 | 943.9% | 0.4% |
| Charles Schwab Bank, SSB | $1,005,000 | $2,100,000 | 109.0% | 0.3% |
| The First National Bank of Ottawa | $345,000 | $2,035,000 | 489.9% | 0.3% |
| American Mortgage & Equity Consultants, Inc. | $820,000 | $1,940,000 | 136.6% | 0.3% |
| North Shore Bank FSB | $1,855,000 | $1,920,000 | 3.5% | 0.3% |
| Town Bank, N.A. | $5,860,000 | $1,910,000 | -67.4% | 0.3% |
| PremierBank | $5,035,000 | $1,860,000 | -63.1% | 0.3% |
| MORTGAGE CENTER L.C | $9,705,000 | $1,845,000 | -81.0% | 0.3% |
| Stillman Bank | $1,825,000 | n/a | 0.3% | |
| THOMPSON KANE & COMPANY, LLC | $2,665,000 | $1,820,000 | -31.7% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $5,455,000 | $1,735,000 | -68.2% | 0.3% |
| Flagstar Bank, FSB | $5,035,000 | $1,655,000 | -67.1% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $4,610,000 | $1,625,000 | -64.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $3,505,000 | $1,610,000 | -54.1% | 0.3% |
| NBKC BANK | $325,000 | $1,535,000 | 372.3% | 0.3% |
| MARINE | $2,680,000 | $1,525,000 | -43.1% | 0.3% |
| City National Bank | $1,805,000 | $1,460,000 | -19.1% | 0.2% |
| GATEWAY MORTGAGE CORPORATION | $3,260,000 | $1,395,000 | -57.2% | 0.2% |
| Plains Commerce Bank | $1,390,000 | n/a | 0.2% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $2,035,000 | $1,345,000 | -33.9% | 0.2% |
| Crystal Lake Bank and Trust | $1,335,000 | n/a | 0.2% | |
| Fifth Third Bank | $2,505,000 | $1,310,000 | -47.7% | 0.2% |
| CMG MORTGAGE, INC. | $745,000 | $1,260,000 | 69.1% | 0.2% |
| National Exchange Bank and Trust | $1,050,000 | $1,260,000 | 20.0% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,070,000 | $1,255,000 | 17.3% | 0.2% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $4,495,000 | $1,205,000 | -73.2% | 0.2% |
| American Community Bank & Trust | $1,185,000 | n/a | 0.2% | |
| Westbury Bank | $590,000 | $1,185,000 | 100.8% | 0.2% |
| The Bank of New Glarus | $850,000 | $1,145,000 | 34.7% | 0.2% |
| Baxter Credit Union | $1,615,000 | $1,140,000 | -29.4% | 0.2% |
| ENVOY MORTGAGE, LTD | $1,495,000 | $1,125,000 | -24.7% | 0.2% |
| Wells Fargo Bank | $11,640,000 | $1,115,000 | -90.4% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,085,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,255,000 | $1,085,000 | -13.5% | 0.2% |
| State Bank of Cross Plains | $65,000 | $1,075,000 | 1,553.8% | 0.2% |
| First Community Credit Union | $175,000 | $1,055,000 | 502.9% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $575,000 | $1,040,000 | 80.9% | 0.2% |
| The Park Bank | $1,035,000 | n/a | 0.2% | |
| Discover Bank | $280,000 | $1,025,000 | 266.1% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,420,000 | $1,025,000 | -27.8% | 0.2% |
| UNITED HOME LOANS, INC. | $2,115,000 | $1,000,000 | -52.7% | 0.2% |
| Home State Bank | $2,635,000 | $925,000 | -64.9% | 0.2% |
| Carrington Mortgage Services, LLC | $1,155,000 | $910,000 | -21.2% | 0.2% |
| CONSUMERS COOPERATIVE CREDIT UNION | $2,580,000 | $905,000 | -64.9% | 0.2% |
| St Charles Bank & Trust | $465,000 | $905,000 | 94.6% | 0.2% |
| Cornerstone National Bank & Trust Company | $2,310,000 | $895,000 | -61.3% | 0.1% |
| COMPASS MORTGAGE, INC. | $490,000 | $875,000 | 78.6% | 0.1% |
| Prosperity Home Mortgage, LLC | $1,210,000 | $865,000 | -28.5% | 0.1% |
| Sauk Valley Bank & Trust Company | $945,000 | $865,000 | -8.5% | 0.1% |
| Waterstone Mortgage Corporation | $955,000 | $835,000 | -12.6% | 0.1% |
| First Eagle Bank | $825,000 | n/a | 0.1% | |
| The Equitable Bank, S.S.B. | $2,820,000 | $805,000 | -71.5% | 0.1% |
| BAY EQUITY LLC | $945,000 | $800,000 | -15.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $3,290,000 | $795,000 | -75.8% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $785,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $510,000 | $765,000 | 50.0% | 0.1% |
| Heartland Bank and Trust Company | $765,000 | $725,000 | -5.2% | 0.1% |
| Think Mutual Bank | $55,000 | $710,000 | 1,190.9% | 0.1% |
| The Federal Savings Bank | $1,810,000 | $695,000 | -61.6% | 0.1% |
| First Savings Bank | $685,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $1,065,000 | $680,000 | -36.2% | 0.1% |
| North Shore Trust and Savings | $215,000 | $665,000 | 209.3% | 0.1% |
| Busey Bank | $285,000 | $655,000 | 129.8% | 0.1% |
| The Fisher National Bank | $655,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $640,000 | n/a | 0.1% | |
| Blackhawk Bank | $385,000 | $635,000 | 64.9% | 0.1% |
| Mortgage Assurance Inc. | $635,000 | n/a | 0.1% | |
| Peoples State Bank | $1,195,000 | $630,000 | -47.3% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $820,000 | $620,000 | -24.4% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,120,000 | $610,000 | -45.5% | 0.1% |
| Citizens Community Federal | $605,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,050,000 | $575,000 | -45.2% | 0.1% |
| Gold Coast Bank | $610,000 | $565,000 | -7.4% | 0.1% |
| Nicolet National Bank | $1,370,000 | $560,000 | -59.1% | 0.1% |
| PyraMax Bank, FSB | $550,000 | $560,000 | 1.8% | 0.1% |
| ALLIANT CREDIT UNION | $365,000 | $555,000 | 52.1% | 0.1% |
| BNC National Bank | $305,000 | $555,000 | 82.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $555,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $575,000 | $540,000 | -6.1% | 0.1% |
| Figure Lending LLC | $340,000 | $525,000 | 54.4% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,110,000 | $510,000 | -54.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,170,000 | $510,000 | -76.5% | 0.1% |
| Chicago Mortgage Solutions LLC | $1,045,000 | $510,000 | -51.2% | 0.1% |
| V.I.P. MORTGAGE, INC. | $215,000 | $500,000 | 132.6% | 0.1% |
| DUPACO COMMUNITY | $1,035,000 | $495,000 | -52.2% | 0.1% |
| Northbrook Bank & Trust | $485,000 | n/a | 0.1% | |
| Popular Bank | $485,000 | n/a | 0.1% | |
| UIF CORPORATION | $485,000 | n/a | 0.1% | |
| Community First National Bank | $465,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $980,000 | $465,000 | -52.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,595,000 | $460,000 | -71.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $330,000 | $450,000 | 36.4% | 0.1% |
| American Bank and Trust Company | $1,175,000 | $445,000 | -62.1% | 0.1% |
| Hiawatha National Bank | $430,000 | n/a | 0.1% | |
| Cedar Rapids Bank and Trust Company | $425,000 | n/a | 0.1% | |
| Cambria Financial Group, LLC | $415,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $410,000 | n/a | 0.1% | |
| Abbott Laboratories Employees Credit Union | $405,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $405,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $405,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $215,000 | $405,000 | 88.4% | 0.1% |
| First National Bank of Omaha | $890,000 | $395,000 | -55.6% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $385,000 | n/a | 0.1% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $585,000 | $380,000 | -35.0% | 0.1% |
| Quad City Bank and Trust Company | $375,000 | n/a | 0.1% | |
| Tri City National Bank | $240,000 | $370,000 | 54.2% | 0.1% |
| American National Bank - Fox Cities | $365,000 | n/a | 0.1% | |
| POINT Mortgage | $365,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $435,000 | $365,000 | -16.1% | 0.1% |
| Amalgamated Bank of Chicago | $355,000 | n/a | 0.1% | |
| COMPEER FINANCIAL, FLCA | $2,620,000 | $355,000 | -86.5% | 0.1% |
| WINGS FINANCIAL | $65,000 | $355,000 | 446.2% | 0.1% |
| Bethpage Federal Credit Union | $350,000 | n/a | 0.1% | |
| CHERRY CREEK MORTGAGE, LLC | $4,360,000 | $350,000 | -92.0% | 0.1% |
| Guardian Credit Union | $125,000 | $345,000 | 176.0% | 0.1% |
| Republic Bank of Chicago | $125,000 | $345,000 | 176.0% | 0.1% |
| The Port Washington State Bank | $785,000 | $345,000 | -56.1% | 0.1% |
| Settlers Bank | $145,000 | $325,000 | 124.1% | 0.1% |
| UNION HOME MORTGAGE CORP. | $705,000 | $325,000 | -53.9% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $375,000 | $315,000 | -16.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $590,000 | $315,000 | -46.6% | 0.1% |
| OCMBC, INC. | $315,000 | n/a | 0.1% | |
| KINECTA | $305,000 | n/a | 0.1% | |
| Royal Credit Union | $305,000 | n/a | 0.1% | |
| S1L, Inc. | $305,000 | n/a | 0.1% | |
| ARC HOME LLC | $295,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $295,000 | n/a | 0.0% | |
| River Bank | $285,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $215,000 | $285,000 | 32.6% | 0.0% |
| CLEARPATH LENDING | $755,000 | $275,000 | -63.6% | 0.0% |
| First Community Bank | $285,000 | $275,000 | -3.5% | 0.0% |
| GENEVA FINANCIAL, LLC | $270,000 | $275,000 | 1.9% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $275,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $480,000 | $265,000 | -44.8% | 0.0% |
| First National Bank of America | $115,000 | $255,000 | 121.7% | 0.0% |
| Northpointe Bank | $830,000 | $255,000 | -69.3% | 0.0% |
| Coastal Community Bank | $250,000 | n/a | 0.0% | |
| Fortifi Bank | $215,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $305,000 | $215,000 | -29.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $95,000 | $200,000 | 110.5% | 0.0% |
| MICHIGAN MUTUAL, INC. | $185,000 | n/a | 0.0% | |
| Mutual Federal Bank | $535,000 | $185,000 | -65.4% | 0.0% |
| BOKF | $175,000 | n/a | 0.0% | |
| Pacor Mortgage Corp | $335,000 | $175,000 | -47.8% | 0.0% |
| Ixonia Bank | $305,000 | $170,000 | -44.3% | 0.0% |
| SELFRELIANCE | $165,000 | n/a | 0.0% | |
| Bank of Deerfield | $420,000 | $155,000 | -63.1% | 0.0% |
| OAKTREE FUNDING CORP. | $155,000 | n/a | 0.0% | |
| M&T Bank | $310,000 | $145,000 | -53.2% | 0.0% |
| Neighborhood Loans, Inc. | $835,000 | $145,000 | -82.6% | 0.0% |
| Regions Bank | $145,000 | n/a | 0.0% | |
| Servion, Inc. | $2,010,000 | $145,000 | -92.8% | 0.0% |
| GREAT LAKES | $420,000 | $135,000 | -67.9% | 0.0% |
| GERSHMAN INVESTMENT CORP. | $125,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $125,000 | n/a | 0.0% | |
| University Bank | $125,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $120,000 | n/a | 0.0% | |
| NORTHWEST BANK OF ROCKFORD | $115,000 | n/a | 0.0% | |
| Bank First, N.A. | $280,000 | $105,000 | -62.5% | 0.0% |
| Heartland Credit Union (Madison) | $100,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $370,000 | $95,000 | -74.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $690,000 | $95,000 | -86.2% | 0.0% |
| The Loan Store, Inc. | $95,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $125,000 | $85,000 | -32.0% | 0.0% |
| PRIME FINANCIAL CREDIT UNION | $200,000 | $85,000 | -57.5% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | $85,000 | 30.8% | 0.0% |
| CoVantage Credit Union | $430,000 | $70,000 | -83.7% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,360,000 | $65,000 | -95.2% | 0.0% |
| ALTRA | $45,000 | $45,000 | 0.0% | 0.0% |
| Bank of Milton | $35,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $35,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $35,000 | n/a | 0.0% |
Whitewater's top lender by overall market share is The First National Bank and Trust Company, with 5.5% market share. In second place, with 5.2%, is JPMorgan Chase Bank, having originated $31,140,000 in loans. In third place, with 4.3%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $25,605,000 in loans. In fourth place, with 3.9%, is Associated Bank, having originated $23,430,000 in loans. In fifth place, with 3.4%, is GUARANTEED RATE, INC., having originated $20,235,000 in loans.
Whitewater Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Whitewater (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 | $273,945 (10.5%) | $451,317 (3.5%) | 0.00 | 718 |
| 2018-02-01 | $277,000 (6.6%) | $466,860 (2.3%) | 0.00 | 765 |
| 2018-03-01 | $279,000 (7.5%) | $459,177 (1.4%) | 0.00 | 838 |
| 2018-04-01 | $282,450 (10.3%) | $452,542 (1.1%) | 0.00 | 875 |
| 2018-05-01 | $289,725 (11.9%) | $456,645 (3.2%) | 0.00 | 935 |
| 2018-06-01 | $285,000 (6.7%) | $453,959 (1.6%) | 0.00 | 991 |
| 2018-07-01 | $280,993 (5.4%) | $451,826 (1.8%) | 0.00 | 1,005 |
| 2018-08-01 | $285,995 (8.9%) | $441,863 (-0.9%) | 0.00 | 1,017 |
| 2018-09-01 | $289,000 (3.3%) | $446,660 (-3.8%) | 0.00 | 1,010 |
| 2018-10-01 | $284,500 (1.8%) | $455,782 (-1.2%) | 0.00 | 974 |
| 2018-11-01 | $288,975 (5.1%) | $451,591 (-2.0%) | 0.00 | 881 |
| 2018-12-01 | $289,900 (5.5%) | $460,282 (1.5%) | 0.00 | 771 |
| 2019-01-01 | $289,450 (5.7%) | $464,169 (2.9%) | 0.00 | 683 |
| 2019-02-01 | $299,000 (7.9%) | $479,976 (2.8%) | 0.00 | 692 |
| 2019-03-01 | $301,411 (8.0%) | $489,501 (6.6%) | 0.00 | 760 |
| 2019-04-01 | $315,963 (11.9%) | $520,804 (15.1%) | 0.00 | 847 |
| 2019-05-01 | $325,765 (12.4%) | $529,389 (15.9%) | 0.00 | 845 |
| 2019-06-01 | $320,915 (12.6%) | $518,582 (14.2%) | 0.00 | 882 |
| 2019-07-01 | $325,000 (15.7%) | $524,406 (16.1%) | 0.00 | 905 |
| 2019-08-01 | $320,909 (12.2%) | $517,948 (17.2%) | 0.00 | 916 |
| 2019-09-01 | $314,773 (8.9%) | $508,772 (13.9%) | 0.00 | 905 |
| 2019-10-01 | $307,475 (8.1%) | $502,654 (10.3%) | 0.00 | 885 |
| 2019-11-01 | $299,900 (3.8%) | $498,802 (10.5%) | 0.00 | 766 |
| 2019-12-01 | $304,173 (4.9%) | $519,930 (13.0%) | 0.00 | 637 |
| 2020-01-01 | $299,950 (3.6%) | $514,309 (10.8%) | 0.00 | 573 |
| 2020-02-01 | $315,000 (5.4%) | $534,984 (11.5%) | 0.00 | 630 |
| 2020-03-01 | $322,125 (6.9%) | $531,301 (8.5%) | 0.00 | 676 |
| 2020-04-01 | $319,950 (1.3%) | $531,792 (2.1%) | 0.00 | 658 |
| 2020-05-01 | $315,000 (-3.3%) | $529,047 (-0.1%) | 0.00 | 688 |
| 2020-06-01 | $320,900 (0.0%) | $534,917 (3.2%) | 0.00 | 715 |
| 2020-07-01 | $328,250 (1.0%) | $534,948 (2.0%) | 0.00 | 718 |
| 2020-08-01 | $316,495 (-1.4%) | $532,192 (2.8%) | 0.00 | 689 |
| 2020-09-01 | $316,073 (0.4%) | $510,223 (0.3%) | 0.00 | 683 |
| 2020-10-01 | $305,000 (-0.8%) | $527,018 (4.9%) | 0.00 | 614 |
| 2020-11-01 | $300,000 (0.0%) | $533,565 (7.0%) | 0.00 | 542 |
| 2020-12-01 | $299,900 (-1.4%) | $534,625 (2.8%) | 0.00 | 456 |
| 2021-01-01 | $294,900 (-1.7%) | $528,740 (2.8%) | 0.00 | 383 |
| 2021-02-01 | $309,925 (-1.6%) | $556,786 (4.1%) | 0.00 | 407 |
| 2021-03-01 | $309,950 (-3.8%) | $528,115 (-0.6%) | 0.00 | 412 |
| 2021-04-01 | $322,400 (0.8%) | $516,938 (-2.8%) | 0.00 | 443 |
| 2021-05-01 | $329,900 (4.7%) | $523,919 (-1.0%) | 0.00 | 494 |
| 2021-06-01 | $326,975 (1.9%) | $532,221 (-0.5%) | 0.00 | 534 |
| 2021-07-01 | $329,900 (0.5%) | $556,206 (4.0%) | 0.00 | 555 |
| 2021-08-01 | $349,900 (10.6%) | $537,415 (1.0%) | 0.00 | 612 |
| 2021-09-01 | $348,250 (10.2%) | $522,486 (2.4%) | 0.00 | 607 |
| 2021-10-01 | $344,950 (13.1%) | $538,264 (2.1%) | 0.00 | 529 |
| 2021-11-01 | $342,625 (14.2%) | $539,749 (1.2%) | 0.00 | 465 |
| 2021-12-01 | $332,000 (10.7%) | $529,400 (-1.0%) | 0.00 | 380 |
| 2022-01-01 | $342,950 (16.3%) | $532,947 (0.8%) | 0.00 | 314 |
| 2022-02-01 | $352,250 (13.7%) | $589,820 (5.9%) | 0.00 | 284 |
| 2022-03-01 | $371,748 (19.9%) | $621,519 (17.7%) | 0.00 | 293 |
| 2022-04-01 | $375,500 (16.5%) | $599,067 (15.9%) | 0.00 | 357 |
| 2022-05-01 | $374,500 (13.5%) | $607,458 (16.0%) | 0.00 | 372 |
| 2022-06-01 | $379,450 (16.1%) | $625,391 (17.5%) | 0.00 | 380 |
| 2022-07-01 | $374,900 (13.6%) | $604,848 (8.8%) | 0.00 | 434 |
| 2022-08-01 | $379,000 (8.3%) | $634,627 (18.1%) | 0.00 | 458 |
| 2022-09-01 | $390,000 (12.0%) | $591,098 (13.1%) | 0.00 | 451 |
| 2022-10-01 | $389,000 (12.8%) | $615,043 (14.3%) | 0.00 | 405 |
| 2022-11-01 | $375,000 (9.5%) | $597,017 (10.6%) | 0.00 | 385 |
| 2022-12-01 | $380,000 (14.5%) | $607,984 (14.8%) | 0.00 | 313 |
| 2023-01-01 | $392,175 (14.4%) | $603,749 (13.3%) | 0.00 | 270 |
| 2023-02-01 | $421,820 (19.8%) | $619,356 (5.0%) | 0.00 | 279 |
| 2023-03-01 | $437,318 (17.6%) | $646,349 (4.0%) | 0.00 | 329 |
| 2023-04-01 | $458,990 (22.2%) | $686,169 (14.5%) | 0.00 | 341 |
| 2023-05-01 | $461,595 (23.3%) | $755,226 (24.3%) | 0.00 | 379 |
| 2023-06-01 | $458,895 (20.9%) | $781,816 (25.0%) | 0.00 | 436 |
| 2023-07-01 | $465,495 (24.2%) | $802,501 (32.7%) | 0.00 | 453 |
| 2023-08-01 | $462,045 (21.9%) | $781,334 (23.1%) | 0.00 | 454 |
| 2023-09-01 | $467,190 (19.8%) | $793,047 (34.2%) | 0.00 | 444 |
| 2023-10-01 | $463,495 (19.2%) | $781,792 (27.1%) | 0.00 | 438 |
| 2023-11-01 | $460,198 (22.7%) | $802,948 (34.5%) | 0.00 | 424 |
| 2023-12-01 | $469,240 (23.5%) | $745,503 (22.6%) | 0.00 | 372 |
| 2024-01-01 | $474,950 (21.1%) | $760,933 (26.0%) | 0.00 | 349 |
| 2024-02-01 | $489,975 (16.2%) | $751,304 (21.3%) | 0.00 | 369 |
| 2024-03-01 | $495,000 (13.2%) | $750,240 (16.1%) | 0.00 | 413 |
Whitewater's median listing price for 2024-03-01 was $495,000, a difference of
$57,682
(13.2%) versus the prior year and
$5,025 versus the prior month.
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2024-03-01 was $750,240, a difference of $103,891 (16.1%) versus the prior year and $-1,064 versus the prior month.
For the 2024-03-01 period, Whitewater had 413 MLS listings, a difference of 44 listings (12%) versus the prior month and 84 listings (26%) versus the prior year.
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2024-03-01 was $750,240, a difference of $103,891 (16.1%) versus the prior year and $-1,064 versus the prior month.
For the 2024-03-01 period, Whitewater had 413 MLS listings, a difference of 44 listings (12%) versus the prior month and 84 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Whitewater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,809 sqft |
| 2018-02-01 | 0 days | 1,816 sqft |
| 2018-03-01 | 0 days | 1,819 sqft |
| 2018-04-01 | 0 days | 1,819 sqft |
| 2018-05-01 | 0 days | 1,811 sqft |
| 2018-06-01 | 0 days | 1,821 sqft |
| 2018-07-01 | 0 days | 1,804 sqft |
| 2018-08-01 | 0 days | 1,807 sqft |
| 2018-09-01 | 0 days | 1,802 sqft |
| 2018-10-01 | 0 days | 1,799 sqft |
| 2018-11-01 | 0 days | 1,800 sqft |
| 2018-12-01 | 0 days | 1,800 sqft |
| 2019-01-01 | 0 days | 1,801 sqft |
| 2019-02-01 | 0 days | 1,817 sqft |
| 2019-03-01 | 0 days | 1,816 sqft |
| 2019-04-01 | 0 days | 1,873 sqft |
| 2019-05-01 | 0 days | 1,910 sqft |
| 2019-06-01 | 0 days | 1,896 sqft |
| 2019-07-01 | 0 days | 1,938 sqft |
| 2019-08-01 | 0 days | 1,934 sqft |
| 2019-09-01 | 0 days | 1,931 sqft |
| 2019-10-01 | 0 days | 1,915 sqft |
| 2019-11-01 | 0 days | 1,875 sqft |
| 2019-12-01 | 0 days | 1,864 sqft |
| 2020-01-01 | 0 days | 1,801 sqft |
| 2020-02-01 | 0 days | 1,882 sqft |
| 2020-03-01 | 0 days | 1,867 sqft |
| 2020-04-01 | 0 days | 1,862 sqft |
| 2020-05-01 | 0 days | 1,840 sqft |
| 2020-06-01 | 0 days | 1,889 sqft |
| 2020-07-01 | 0 days | 1,900 sqft |
| 2020-08-01 | 0 days | 1,898 sqft |
| 2020-09-01 | 0 days | 1,893 sqft |
| 2020-10-01 | 0 days | 1,860 sqft |
| 2020-11-01 | 0 days | 1,809 sqft |
| 2020-12-01 | 0 days | 1,812 sqft |
| 2021-01-01 | 0 days | 1,748 sqft |
| 2021-02-01 | 0 days | 1,748 sqft |
| 2021-03-01 | 0 days | 1,714 sqft |
| 2021-04-01 | 0 days | 1,754 sqft |
| 2021-05-01 | 0 days | 1,800 sqft |
| 2021-06-01 | 0 days | 1,808 sqft |
| 2021-07-01 | 0 days | 1,746 sqft |
| 2021-08-01 | 0 days | 1,740 sqft |
| 2021-09-01 | 0 days | 1,738 sqft |
| 2021-10-01 | 0 days | 1,734 sqft |
| 2021-11-01 | 0 days | 1,753 sqft |
| 2021-12-01 | 0 days | 1,736 sqft |
| 2022-01-01 | 0 days | 1,704 sqft |
| 2022-02-01 | 0 days | 1,765 sqft |
| 2022-03-01 | 0 days | 1,773 sqft |
| 2022-04-01 | 0 days | 1,750 sqft |
| 2022-05-01 | 0 days | 1,792 sqft |
| 2022-06-01 | 0 days | 1,826 sqft |
| 2022-07-01 | 0 days | 1,800 sqft |
| 2022-08-01 | 0 days | 1,814 sqft |
| 2022-09-01 | 0 days | 1,824 sqft |
| 2022-10-01 | 0 days | 1,898 sqft |
| 2022-11-01 | 0 days | 1,848 sqft |
| 2022-12-01 | 0 days | 1,856 sqft |
| 2023-01-01 | 0 days | 1,870 sqft |
| 2023-02-01 | 0 days | 1,903 sqft |
| 2023-03-01 | 0 days | 1,852 sqft |
| 2023-04-01 | 0 days | 1,962 sqft |
| 2023-05-01 | 0 days | 1,920 sqft |
| 2023-06-01 | 0 days | 1,853 sqft |
| 2023-07-01 | 0 days | 1,887 sqft |
| 2023-08-01 | 0 days | 1,899 sqft |
| 2023-09-01 | 0 days | 1,922 sqft |
| 2023-10-01 | 0 days | 1,906 sqft |
| 2023-11-01 | 0 days | 1,935 sqft |
| 2023-12-01 | 0 days | 2,017 sqft |
| 2024-01-01 | 0 days | 2,005 sqft |
| 2024-02-01 | 0 days | 2,000 sqft |
| 2024-03-01 | 0 days | 2,018 sqft |
Whitewater's median listing age (time on market) for 2024-03-01 was 0 days.
Whitewater's median square footage for active listings during the 2024-03-01 period was 2,018 sqft. One year prior, the average listing was 1,852 sqft.
Whitewater's median square footage for active listings during the 2024-03-01 period was 2,018 sqft. One year prior, the average listing was 1,852 sqft.
Whitewater, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,130 | $396,590,000 | $350,965 |
| Other | 371 | $41,355,000 | $111,469 |
| Home Improvement | 292 | $30,520,000 | $104,521 |
| Refi | 286 | $49,780,000 | $174,056 |
| Cash Out Refi | 283 | $82,295,000 | $290,795 |
Whitewater's most frequently cited loan purpose was Home Purchase, with 1,130 originations. The 2nd most popular reason was Other, with 371 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 723 | $247,035,000 | $341,680 |
| 7-8% | 633 | $154,775,000 | $244,510 |
| Over 8% | 454 | $46,400,000 | $102,203 |
| 5-6% | 251 | $91,855,000 | $365,956 |
| <2.5% | 105 | $10,745,000 | $102,333 |
| 4-5% | 62 | $10,690,000 | $172,419 |
| 3-4% | 44 | $3,870,000 | $87,955 |
| 2.5-3% | 18 | $2,370,000 | $131,667 |
During 2023, Whitewater's most frequently originated rate bucket was 6-7%, with 723 originations.
Loan Sizing (Whitewater, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 754 | $38,700,000 | $51,326 |
| $200k-400k | 748 | $212,300,000 | $283,824 |
| $100k-200k | 522 | $76,400,000 | $146,360 |
| $400k-600k | 185 | $87,785,000 | $474,514 |
| $600k-1000k | 94 | $67,990,000 | $723,298 |
| $Over $1MM | 59 | $117,365,000 | $1,989,237 |
Whitewater's loan sizing saw the bucket of loans from $100,000 or less with 754 originations, totaling $38,700,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 575 | $199,025,000 | $346,130 |
| Under 20% | 526 | $27,250,000 | $51,806 |
| 60-80% | 500 | $192,920,000 | $385,840 |
| 20-40% | 411 | $63,935,000 | $155,560 |
| 40-60% | 256 | $79,560,000 | $310,781 |
| Over 100% | 11 | $3,205,000 | $291,364 |
Whitewater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 575 originations, totaling $199,025,000 in origination value.