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 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 6.74% and one month ago for the week of 2023-10-26, the average rate was 7.54%.

Whitewater's average rate one year ago was 6.33%.

For refis of the same type during the week of 2023-11-30, the average rate was 6.44%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
Whitewater 30 Year Fixed Rate 2023-11-30 6.87%
Whitewater 30 Year Fixed Rate Refi 2023-11-30 6.44%
Whitewater 15 Year Fixed Rate 2023-11-30 6.13%
Whitewater 15 Year Fixed Rate Refi 2023-11-30 5.53%
Whitewater 30 Year FHA 2023-11-30 6.79%
Whitewater 30 Year FHA Refi 2023-11-30 6.85%
Whitewater 30 Year USDA 2023-11-30 6.9%
Whitewater 30 Year USDA Refi 2023-11-30 6.9%
Whitewater 30 Year VA 2023-11-30 6.87%
Whitewater 30 Year VA Refi 2023-11-30 6.67%
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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 100 5.34% $4,044
QUICKEN LOANS, LLC 86 5.13% $7,048
The First National Bank and Trust Company 74 4.44% $2,186
Associated Bank 63 4.52% $2,635
GUARANTEED RATE, INC. 62 4.92% $3,716
EDUCATORS CREDIT UNION 55 4.30% $1,629
JPMorgan Chase Bank 48 4.51% $3,793
UNITED WHOLESALE MORTGAGE, LLC 37 5.35% $5,140
Landmark Credit Union 35 4.26% $1,866
U.S. Bank 30 4.77% $2,984
Barrington Bank & Trust Company, N.A. 29 5.06% $3,087
Johnson Bank 26 4.61% $2,607
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 26 5.22% $4,089
MORTGAGE CENTER L.C 24 4.14% $2,657
Wells Fargo Bank 24 4.45% $3,431
FINANCE OF AMERICA MORTGAGE LLC 22 5.10% $3,229
Community State Bank 21 4.29% $2,848
Bank of America 19 3.74% $3,458
Summit Credit Union 19 4.06% $2,338
WISCONSIN MORTGAGE CORPORATION 17 5.19% $2,808
Bank of England 17 4.99% $4,079
Old National Bank 17 3.74% $3,452
Morgan Stanley Private Bank 16 3.94% $3,329
INLANTA MORTGAGE, INC. 16 4.88% $3,076
University of Wisconsin Credit Union 15 4.28% $2,924
NEWREZ LLC 15 5.02% $4,124
LOANDEPOT.COM, LLC 15 4.01% $5,977
Blackhawk Community Credit Union 14 5.07% $2,371
BMO Harris Bank 14 4.30% $5,224
Bank Five Nine 14 3.63% $2,913
The Greenwood's State Bank 14 5.35% $1,644
A + MORTGAGE SERVICES, INC. 14 4.16% $1,996
INLAND BANK & TRUST 13 4.64% $3,938
Waukesha State Bank 13 4.02% $1,882
The Huntington National Bank 13 4.31% $3,274
FIRST CENTENNIAL MORTGAGE CORPORATION 13 5.65% $3,601
CROSSCOUNTRY MORTGAGE, LLC 12 5.14% $5,956
CHERRY CREEK MORTGAGE, LLC 12 4.80% $832
PROPER RATE, LLC 12 5.29% $3,455
PremierBank 12 5.44% $1,962
CARDINAL FINANCIAL 10 4.80% $5,567
Flagstar Bank, FSB 10 5.09% $5,384
Citizens Bank 10 4.44% $3,034
Mr. Cooper ( Nationstar Mortgage ) 9 4.73% $6,663
GATEWAY MORTGAGE CORPORATION 9 5.39% $3,501
CIBC Bank USA 9 4.96% $4,208
Servion, Inc. 9 4.68% $1,699
CIBM Bank 8 5.14% $2,382
DRAPER AND KRAMER MORTGAGE CORP. 8 5.52% $2,876
PENNYMAC LOAN SERVICES, LLC 8 4.35% $5,436
Citizens Bank 7 4.06% $4,356
THOMPSON KANE & COMPANY, LLC 6 6.23% $5,450
The Equitable Bank, S.S.B. 6 3.96% $2,723
HOME POINT FINANCIAL CORPORATION 6 4.48% $2,557
CONSUMERS COOPERATIVE CREDIT UNION 6 4.27% $2,834
AMERISAVE MORTGAGE CORPORATION 6 4.79% $6,412
Paramount Residential Mortgage Group, Inc. 6 4.54% $3,826
FREEDOM MORTGAGE CORPORATION 6 4.42% $5,989
AMERICAN PACIFIC MORTGAGE CORPORATION 6 5.17% $3,666
PNC Bank 5 4.25% $2,620
CALIBER HOME LOANS, INC. 5 5.05% $4,482
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 5 5.14% $1,001
Prosperity Home Mortgage, LLC 5 4.75% $2,614
ENVOY MORTGAGE, LTD 5 5.45% $3,486
Bell Bank 5 6.05% $2,723
HOMESIDE FINANCIAL, LLC 5 5.47% $3,300
PLANET HOME LENDING, LLC 5 5.33% $2,833
Great Midwest Bank, S.S.B. 5 3.65% $2,957
Fifth Third Bank 5 5.05% $3,666
LAKEVIEW LOAN SERVICING, LLC 4 4.37% $3,519
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 5.22% $4,207
GREENSTATE CREDIT UNION 4 5.25% $4,074
MUTUAL OF OMAHA MORTGAGE, INC. 4 4.81% $5,290
Raymond James Bank 4 3.50% $2,745
BLUELEAF LENDING, LLC 4 3.47% $3,597
BETTER MORTGAGE CORPORATION 4 3.69% $6,663
DAS Acquisition Company, LLC 4 5.19% $6,102
GUILD MORTGAGE COMPANY 4 5.47% $5,948
Home State Bank 3 4.17% $2,761
Ally Bank 3 3.58% $2,553
American Mortgage & Equity Consultants, Inc. 3 5.00% $7,664
AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 4.88% $3,490
AmeriHome Mortgage Company, LLC 3 4.12% $2,359
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 7.12% $4,553
BAY EQUITY LLC 3 6.54% $6,407
BNY Mellon 3 4.17% $6,534
BROKER SOLUTIONS, INC. 3 5.96% $7,101
CORNERSTONE HOME LENDING, INC. 3 5.50% $8,653
Cornerstone National Bank & Trust Company 3 5.33% $2,942
DUPACO COMMUNITY 3 4.88% $4,105
FIRST STATE MORTGAGE SERVICES, LLC 3 4.79% $3,482
GUARANTEED RATE AFFINITY, LLC 3 5.13% $3,665
Nations Lending Corporation 3 6.67% $3,984
NATIONS RELIABLE LENDING, LLC 3 5.92% $3,690
Neighborhood Loans, Inc. 3 5.04% $6,435
NETWORK CAPITAL FUNDING CORPORATION 3 4.00% $7,123
Old Second National Bank 3 4.00% $2,377
The Federal Savings Bank 3 4.79% $4,821
UNION HOME MORTGAGE CORP. 3 5.75% $4,846
UNITED HOME LOANS, INC. 3 3.83% $3,746
Waterstone Mortgage Corporation 3 3.96% $2,633
Citibank 2 2.94% $29,198
Citadel Servicing Corporation 2 7.31% $4,066
M&T Bank 2 4.44% $5,055
PyraMax Bank, FSB 2 5.00% $2,314
The Port Washington State Bank 2 5.13% $2,810
Key Mortgage Services, Inc. 2 4.63% $2,631
Baxter Credit Union 2 3.56% $2,380
NORTHWESTERN MUTUAL 2 4.15% $985
TOTAL MORTGAGE SERVICES, LLC 2 5.63% $3,300
Midland States Bank 2 4.69% $3,120
Truist 2 4.53% $6,763
American Bank and Trust Company 2 4.87% $7,243
National Exchange Bank and Trust 2 5.13% $785
LENDSURE MORTGAGE CORP. 2 7.63% $15,760
COMPASS MORTGAGE, INC. 2 5.94% $5,194
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.56% $12,016
Peoples State Bank 2 3.63% $1,786
NexBank 2 5.31% $5,919
City National Bank 2 3.97% $3,818
Nicolet National Bank 2 4.38% $3,481
The Bank of New Glarus 2 5.87% $2,971
CITIZENS EQUITY FIRST 2 4.69% $2,296
First National Bank of Omaha 2 5.44% $3,237
Gold Coast Bank 2 5.19% $3,423
Discover Bank 1 6.74% $0
Paramount Bank 1 3.88% $3,100
Deere Employees Credit Union 1 2.38% $2,512
CMG MORTGAGE, INC. 1 5.88% $4,252
PREMIA MORTGAGE, LLC 1 4.98% $675
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.63% $3,550
CHURCHILL MORTGAGE CORPORATION 1 4.75% $3,303
Chicago Mortgage Solutions LLC 1 2.87% $1,480
Chicago Financial Services, Inc. 1 6.63% $2,642
ROYAL UNITED MORTGAGE LLC 1 6.13% $6,481
Charles Schwab Bank, SSB 1 2.63% $2,764
Settlers Bank 1 3.13% $3,325
SIRVA MORTGAGE, INC. 1 5.25% $4,500
SOFI LENDING CORP. 1 3.88% $2,663
Stifel Bank and Trust 1 3.25% $2,401
Strong Home Mortgage, LLC 1 5.50% $2,358
Carrington Mortgage Services, LLC 1 7.75% $7,334
THE ANDERSON FINANCIAL GROUP, INC. 1 6.13% $6,337
Busey Bank 1 4.50% $2,814
AMERICAN ADVISORS GROUP 1 4.00% $4,403
BNC National Bank 1 6.13% $9,504
The First National Bank of Ottawa 1 3.50% $3,229
Blackhawk Bank 1 4.58% $2,958
Beeline Loans, Inc. 1 5.25% $2,658
The State Bank 1 3.50% $2,546
THRIVENT Federal Credit Union 1 3.88% $3,287
Tradition Mortgage, LLC 1 3.63% $3,599
Bank First, N.A. 1 4.75% $2,737
Westbury Bank 1 4.63% $1,859
KeyBank 1 4.50% $7,330
UNITEDONE Credit Union 1 3.50% $1,844
21ST MORTGAGE CORPORATION 1 7.95% $4,883
HOMESTEAD FUNDING CORP. 1 5.00% $3,513
HOMEXPRESS MORTGAGE CORP. 1 8.50% $2,848
HONDA Federal Credit Union 1 5.13% $2,830
Grundy Bank 1 6.88% $2,001
GREAT LAKES 1 3.50% $3,086
Goldman Sachs Bank USA 1 4.00% $3,934
ADVANCIAL 1 4.63% $5,973
LAKE MICHIGAN CREDIT UNION 1 3.75% $2,886
FIRST NORTHERN Credit Union 1 4.13% $2,181
LEADERONE FINANCIAL CORPORATION 1 3.38% $3,764
First National Bank of America 1 7.99% $5,900
MID AMERICA MORTGAGE, INC. 1 3.50% $1,631
MLD MORTGAGE INC. 1 5.38% $2,220
First Midwest Bank 1 2.63% $4,799
MORIA DEVELOPMENT, INC. 1 6.00% $8,148
First Horizon Bank 1 2.63% $5,336
MOVEMENT MORTGAGE, LLC 1 5.38% $2,880
First American Bank 1 3.25% $3,325
Mutual Federal Bank 1 4.25% $13,846
EVERETT FINANCIAL, INC. 1 5.75% $1,681
Bankers' Bank 1 6.13% $0
ATLANTA POSTAL 1 4.38% $4,133
NAVY FEDERAL CREDIT UNION 1 6.25% $2,185
NBKC BANK 1 3.75% $1,932
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.75% $3,730
Wyndham Capital Mortgage, Inc. 1 5.88% $7,094
EMM LOANS LLC 1 3.88% $7,479
Northpointe Bank 1 4.13% $12,596
North Shore Bank FSB 1 3.75% $1,954
Northwest Bank 1 4.13% $4,839

Whitewater Average Closing Costs & Other Stats

Whitewater, WI's 187 lenders originated 3,339 loans during 2022. The total origination value was $881,505,000, with an average loan value of $264,003.

Whitewater's average closing costs are $3,530.

The top Whitewater lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 100 loans originated. Their average total fees are $4,044, which is $3,004 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Whitewater lenders (with over 10 loans originated) are CHERRY CREEK MORTGAGE, LLC ($832), EDUCATORS CREDIT UNION ($1,629), The Greenwood's State Bank ($1,644), Landmark Credit Union ($1,866) and Waukesha State Bank ($1,882).

The lowest rate Whitewater lenders (with over 10 loans originated) are Bank Five Nine (3.63%), Old National Bank (3.74%), Bank of America (3.74%), Morgan Stanley Private Bank (3.94%) and LOANDEPOT.COM, LLC (4.01%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
QUICKEN LOANS, LLC $69,955,000 $37,660,000 -46.2% 4.3%
JPMorgan Chase Bank $65,510,000 $36,050,000 -45.0% 4.1%
The First National Bank and Trust Company $89,515,000 $35,495,000 -60.3% 4.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $71,315,000 $35,295,000 -50.5% 4.0%
Associated Bank $60,590,000 $32,385,000 -46.6% 3.7%
BMO Harris Bank $26,610,000 $25,935,000 -2.5% 2.9%
GUARANTEED RATE, INC. $68,310,000 $23,270,000 -65.9% 2.6%
Landmark Credit Union $37,910,000 $22,705,000 -40.1% 2.6%
Citibank $3,015,000 $22,680,000 652.2% 2.6%
EDUCATORS CREDIT UNION $32,500,000 $18,795,000 -42.2% 2.1%
Morgan Stanley Private Bank $7,150,000 $18,060,000 152.6% 2.0%
Bank of America $24,855,000 $17,685,000 -28.8% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $36,310,000 $17,620,000 -51.5% 2.0%
U.S. Bank $44,845,000 $16,130,000 -64.0% 1.8%
Summit Credit Union $18,250,000 $15,360,000 -15.8% 1.7%
Johnson Bank $29,275,000 $14,835,000 -49.3% 1.7%
The Greenwood's State Bank $25,345,000 $13,405,000 -47.1% 1.5%
Community State Bank $13,710,000 $11,840,000 -13.6% 1.3%
University of Wisconsin Credit Union $15,345,000 $11,825,000 -22.9% 1.3%
Wells Fargo Bank $31,780,000 $11,640,000 -63.4% 1.3%
Barrington Bank & Trust Company, N.A. $36,660,000 $10,865,000 -70.4% 1.2%
Grandbridge Real Estate Capital LLC $10,640,000 n/a 1.2%
ADVIA $11,755,000 $10,405,000 -11.5% 1.2%
The Huntington National Bank $8,115,000 $10,265,000 26.5% 1.2%
GREYSTONE FUNDING COMPANY LLC $9,925,000 n/a 1.1%
MORTGAGE CENTER L.C $11,530,000 $9,705,000 -15.8% 1.1%
Old National Bank $11,770,000 $9,410,000 -20.1% 1.1%
BNY Mellon $9,185,000 n/a 1.0%
PNC Bank $13,805,000 $8,410,000 -39.1% 1.0%
FINANCE OF AMERICA MORTGAGE LLC $6,885,000 $8,315,000 20.8% 0.9%
Bank Five Nine $8,545,000 $7,935,000 -7.1% 0.9%
Blackhawk Community Credit Union $20,660,000 $7,700,000 -62.7% 0.9%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $18,625,000 $7,510,000 -59.7% 0.9%
INLAND BANK & TRUST $18,355,000 $7,155,000 -61.0% 0.8%
The Harvard State Bank $5,395,000 $7,040,000 30.5% 0.8%
LOANDEPOT.COM, LLC $21,295,000 $6,750,000 -68.3% 0.8%
NEWREZ LLC $13,370,000 $6,570,000 -50.9% 0.7%
Waukesha State Bank $7,195,000 $6,260,000 -13.0% 0.7%
Town Bank, N.A. $2,305,000 $5,860,000 154.2% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $10,075,000 $5,790,000 -42.5% 0.7%
FREEDOM MORTGAGE CORPORATION $20,075,000 $5,455,000 -72.8% 0.6%
CIBC Bank USA $11,690,000 $5,325,000 -54.4% 0.6%
Bank of England $5,255,000 $5,290,000 0.7% 0.6%
Mortgage Research Center, LLC $10,845,000 $5,205,000 -52.0% 0.6%
INLANTA MORTGAGE, INC. $14,905,000 $5,150,000 -65.4% 0.6%
Flagstar Bank, FSB $8,370,000 $5,035,000 -39.8% 0.6%
PremierBank $6,955,000 $5,035,000 -27.6% 0.6%
WISCONSIN MORTGAGE CORPORATION $11,200,000 $4,870,000 -56.5% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $10,810,000 $4,725,000 -56.3% 0.5%
GREENSTATE CREDIT UNION $4,645,000 n/a 0.5%
PENNYMAC LOAN SERVICES, LLC $8,930,000 $4,610,000 -48.4% 0.5%
WaterStone Bank, SSB $3,575,000 $4,520,000 26.4% 0.5%
FIRST CENTENNIAL MORTGAGE CORPORATION $10,320,000 $4,495,000 -56.4% 0.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $7,380,000 $4,395,000 -40.4% 0.5%
CHERRY CREEK MORTGAGE, LLC $8,110,000 $4,360,000 -46.2% 0.5%
PROPER RATE, LLC $3,995,000 $4,320,000 8.1% 0.5%
A + MORTGAGE SERVICES, INC. $8,290,000 $4,280,000 -48.4% 0.5%
Bell Bank $3,440,000 $3,930,000 14.2% 0.4%
CIBM Bank $1,810,000 $3,660,000 102.2% 0.4%
Paramount Residential Mortgage Group, Inc. $6,120,000 $3,505,000 -42.7% 0.4%
AMERISAVE MORTGAGE CORPORATION $8,215,000 $3,290,000 -60.0% 0.4%
GATEWAY MORTGAGE CORPORATION $7,700,000 $3,260,000 -57.7% 0.4%
Great Midwest Bank, S.S.B. $6,640,000 $3,230,000 -51.4% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $13,585,000 $3,210,000 -76.4% 0.4%
Citizens Bank $4,200,000 $3,180,000 -24.3% 0.4%
Citizens Bank $4,200,000 $2,855,000 -32.0% 0.3%
The Equitable Bank, S.S.B. $7,400,000 $2,820,000 -61.9% 0.3%
PLANET HOME LENDING, LLC $5,005,000 $2,805,000 -44.0% 0.3%
MARINE $1,320,000 $2,680,000 103.0% 0.3%
THOMPSON KANE & COMPANY, LLC $1,100,000 $2,665,000 142.3% 0.3%
Home State Bank $2,840,000 $2,635,000 -7.2% 0.3%
Midland States Bank $2,630,000 n/a 0.3%
COMPEER FINANCIAL, FLCA $5,155,000 $2,620,000 -49.2% 0.3%
BLUELEAF LENDING, LLC $7,165,000 $2,580,000 -64.0% 0.3%
CONSUMERS COOPERATIVE CREDIT UNION $2,080,000 $2,580,000 24.0% 0.3%
Fifth Third Bank $8,790,000 $2,505,000 -71.5% 0.3%
DRAPER AND KRAMER MORTGAGE CORP. $6,430,000 $2,390,000 -62.8% 0.3%
Cornerstone National Bank & Trust Company $6,205,000 $2,310,000 -62.8% 0.3%
BETTER MORTGAGE CORPORATION $11,145,000 $2,170,000 -80.5% 0.2%
UNITED HOME LOANS, INC. $1,790,000 $2,115,000 18.2% 0.2%
Raymond James Bank $3,205,000 $2,060,000 -35.7% 0.2%
CALIBER HOME LOANS, INC. $6,285,000 $2,045,000 -67.5% 0.2%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $1,050,000 $2,035,000 93.8% 0.2%
Servion, Inc. $6,295,000 $2,010,000 -68.1% 0.2%
Citywide Banks $2,005,000 n/a 0.2%
UBS Bank USA $4,345,000 $1,950,000 -55.1% 0.2%
North Shore Bank FSB $4,625,000 $1,855,000 -59.9% 0.2%
HOME POINT FINANCIAL CORPORATION $6,905,000 $1,815,000 -73.7% 0.2%
The Federal Savings Bank $3,450,000 $1,810,000 -47.5% 0.2%
City National Bank $2,680,000 $1,805,000 -32.6% 0.2%
The Northern Trust Company $2,535,000 $1,805,000 -28.8% 0.2%
Wintrust Bank, N.A. $1,710,000 n/a 0.2%
First Horizon Bank $305,000 $1,705,000 459.0% 0.2%
Marathon Bank $1,705,000 n/a 0.2%
Baxter Credit Union $10,000,000 $1,615,000 -83.9% 0.2%
LAKEVIEW LOAN SERVICING, LLC $6,660,000 $1,595,000 -76.1% 0.2%
First American Bank $3,975,000 $1,555,000 -60.9% 0.2%
Collins State Bank $1,960,000 $1,520,000 -22.4% 0.2%
ENVOY MORTGAGE, LTD $3,405,000 $1,495,000 -56.1% 0.2%
BROKER SOLUTIONS, INC. $2,735,000 $1,470,000 -46.3% 0.2%
GUARANTEED RATE AFFINITY, LLC $2,970,000 $1,420,000 -52.2% 0.2%
NAVY FEDERAL CREDIT UNION $3,005,000 $1,415,000 -52.9% 0.2%
Nicolet National Bank $340,000 $1,370,000 302.9% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,250,000 $1,360,000 8.8% 0.2%
GSF Mortgage Corporation $3,410,000 $1,340,000 -60.7% 0.2%
USAA Federal Savings Bank $1,610,000 $1,255,000 -22.0% 0.1%
Prosperity Home Mortgage, LLC $1,585,000 $1,210,000 -23.7% 0.1%
GUILD MORTGAGE COMPANY $2,010,000 $1,200,000 -40.3% 0.1%
Peoples State Bank $1,195,000 n/a 0.1%
American Bank and Trust Company $580,000 $1,175,000 102.6% 0.1%
HOMESIDE FINANCIAL, LLC $3,945,000 $1,175,000 -70.2% 0.1%
Carrington Mortgage Services, LLC $3,635,000 $1,155,000 -68.2% 0.1%
NEW DAY FINANCIAL, LLC $2,780,000 $1,120,000 -59.7% 0.1%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $2,485,000 $1,110,000 -55.3% 0.1%
Citadel Servicing Corporation $1,105,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $915,000 $1,070,000 16.9% 0.1%
AmeriHome Mortgage Company, LLC $620,000 $1,065,000 71.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $6,275,000 $1,050,000 -83.3% 0.1%
National Exchange Bank and Trust $895,000 $1,050,000 17.3% 0.1%
Chicago Mortgage Solutions LLC $920,000 $1,045,000 13.6% 0.1%
DUPACO COMMUNITY $405,000 $1,035,000 155.6% 0.1%
Truist $3,255,000 $1,030,000 -68.4% 0.1%
Charles Schwab Bank, SSB $5,305,000 $1,005,000 -81.1% 0.1%
CORNERSTONE HOME LENDING, INC. $215,000 $990,000 360.5% 0.1%
DAS Acquisition Company, LLC $1,205,000 $980,000 -18.7% 0.1%
LENDSURE MORTGAGE CORP. $1,655,000 $970,000 -41.4% 0.1%
Waterstone Mortgage Corporation $1,780,000 $955,000 -46.3% 0.1%
BAY EQUITY LLC $805,000 $945,000 17.4% 0.1%
Sauk Valley Bank & Trust Company $1,795,000 $945,000 -47.4% 0.1%
First National Bank of Omaha $1,660,000 $890,000 -46.4% 0.1%
Old Second National Bank $635,000 $860,000 35.4% 0.1%
The Bank of New Glarus $95,000 $850,000 794.7% 0.1%
Neighborhood Loans, Inc. $1,095,000 $835,000 -23.7% 0.1%
Northpointe Bank $1,145,000 $830,000 -27.5% 0.1%
American Mortgage & Equity Consultants, Inc. $1,715,000 $820,000 -52.2% 0.1%
NATIONS RELIABLE LENDING, LLC $1,435,000 $820,000 -42.9% 0.1%
Nations Lending Corporation $490,000 $800,000 63.3% 0.1%
Goldman Sachs Bank USA $7,130,000 $785,000 -89.0% 0.1%
The Port Washington State Bank $245,000 $785,000 220.4% 0.1%
PLAZA HOME MORTGAGE, INC. $770,000 $780,000 1.3% 0.1%
TOTAL MORTGAGE SERVICES, LLC $1,445,000 $780,000 -46.0% 0.1%
Heartland Bank and Trust Company $830,000 $765,000 -7.8% 0.1%
Tradition Mortgage, LLC $765,000 n/a 0.1%
Key Mortgage Services, Inc. $785,000 $760,000 -3.2% 0.1%
CLEARPATH LENDING $1,785,000 $755,000 -57.7% 0.1%
CMG MORTGAGE, INC. $3,470,000 $745,000 -78.5% 0.1%
UNION HOME MORTGAGE CORP. $1,000,000 $705,000 -29.5% 0.1%
FINANCE OF AMERICA REVERSE LLC $175,000 $690,000 294.3% 0.1%
Ally Bank $2,345,000 $675,000 -71.2% 0.1%
Badger Bank $630,000 $645,000 2.4% 0.1%
First State Bank $185,000 $645,000 248.6% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $645,000 n/a 0.1%
Independent Bank $635,000 n/a 0.1%
Gold Coast Bank $1,305,000 $610,000 -53.3% 0.1%
First Midwest Bank $12,675,000 $605,000 -95.2% 0.1%
LEADERONE FINANCIAL CORPORATION $860,000 $590,000 -31.4% 0.1%
Westbury Bank $400,000 $590,000 47.5% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $5,185,000 $585,000 -88.7% 0.1%
Wisconsin River Bank $1,305,000 $585,000 -55.2% 0.1%
A&D Mortgage LLC $575,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $960,000 $575,000 -40.1% 0.1%
CHURCHILL MORTGAGE CORPORATION $325,000 $560,000 72.3% 0.1%
United Fidelity Funding Corp. $185,000 $560,000 202.7% 0.1%
Midwest Community Bank $1,510,000 $555,000 -63.2% 0.1%
PyraMax Bank, FSB $3,925,000 $550,000 -86.0% 0.1%
First Guaranty Mortgage Corporation $1,880,000 $545,000 -71.0% 0.1%
Mutual Federal Bank $535,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $705,000 $520,000 -26.2% 0.1%
MOVEMENT MORTGAGE, LLC $620,000 $510,000 -17.7% 0.1%
COMPASS MORTGAGE, INC. $4,715,000 $490,000 -89.6% 0.1%
HOMESTEAD FUNDING CORP. $805,000 $490,000 -39.1% 0.1%
PENTAGON FEDERAL CREDIT UNION $190,000 $480,000 152.6% 0.1%
NexBank $470,000 n/a 0.1%
St Charles Bank & Trust $465,000 n/a 0.1%
The State Bank of Faribault $465,000 n/a 0.1%
Goldwater Bank, N.A. $455,000 n/a 0.1%
Stifel Bank and Trust $2,005,000 $435,000 -78.3% 0.0%
Chicago Financial Services, Inc. $2,380,000 $430,000 -81.9% 0.0%
CoVantage Credit Union $175,000 $430,000 145.7% 0.0%
THRIVENT Federal Credit Union $545,000 $430,000 -21.1% 0.0%
Lake Forest Bank & Trust $425,000 n/a 0.0%
Bank of Deerfield $420,000 n/a 0.0%
GREAT LAKES $1,195,000 $420,000 -64.9% 0.0%
KeyBank $395,000 n/a 0.0%
Amerifirst Financial, Inc. $385,000 n/a 0.0%
Blackhawk Bank $1,220,000 $385,000 -68.4% 0.0%
ACADEMY MORTGAGE CORPORATION $1,685,000 $375,000 -77.7% 0.0%
AMERICAN HERITAGE LENDING, INC. $375,000 n/a 0.0%
Deere Employees Credit Union $370,000 n/a 0.0%
ALLIANT CREDIT UNION $620,000 $365,000 -41.1% 0.0%
MORIA DEVELOPMENT, INC. $470,000 $365,000 -22.3% 0.0%
AMERICAN ADVISORS GROUP $355,000 $360,000 1.4% 0.0%
Blue Ridge Bank $2,050,000 $360,000 -82.4% 0.0%
T2 FINANCIAL LLC $1,370,000 $360,000 -73.7% 0.0%
Loan Simple, Inc. $550,000 $345,000 -37.3% 0.0%
The First National Bank of Ottawa $2,120,000 $345,000 -83.7% 0.0%
UNITEDONE Credit Union $345,000 n/a 0.0%
Figure Lending LLC $580,000 $340,000 -41.4% 0.0%
ZILLOW HOME LOANS, LLC $1,385,000 $340,000 -75.5% 0.0%
Pacor Mortgage Corp $745,000 $335,000 -55.0% 0.0%
The State Bank $335,000 n/a 0.0%
21ST MORTGAGE CORPORATION $150,000 $330,000 120.0% 0.0%
CITIZENS EQUITY FIRST $75,000 $330,000 340.0% 0.0%
NBKC BANK $715,000 $325,000 -54.5% 0.0%
Old Plank Trail Community Bank $315,000 n/a 0.0%
M&T Bank $310,000 n/a 0.0%
ATLANTA POSTAL $305,000 n/a 0.0%
Bankers' Bank $305,000 n/a 0.0%
BNC National Bank $265,000 $305,000 15.1% 0.0%
HOMEXPRESS MORTGAGE CORP. $305,000 n/a 0.0%
Ixonia Bank $760,000 $305,000 -59.9% 0.0%
UNITED MORTGAGE CORP. $305,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $860,000 $300,000 -65.1% 0.0%
THE ANDERSON FINANCIAL GROUP, INC. $1,080,000 $295,000 -72.7% 0.0%
AXIA FINANCIAL, LLC $480,000 $285,000 -40.6% 0.0%
Busey Bank $285,000 n/a 0.0%
EMM LOANS LLC $225,000 $285,000 26.7% 0.0%
First Community Bank $285,000 n/a 0.0%
Paramount Bank $285,000 n/a 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $390,000 $285,000 -26.9% 0.0%
Bank First, N.A. $235,000 $280,000 19.1% 0.0%
Discover Bank $325,000 $280,000 -13.8% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $485,000 $275,000 -43.3% 0.0%
GENEVA FINANCIAL, LLC $270,000 n/a 0.0%
FIRST NORTHERN Credit Union $540,000 $265,000 -50.9% 0.0%
SPRING EQ, LLC $630,000 $265,000 -57.9% 0.0%
AMWEST FUNDING CORP. $345,000 $255,000 -26.1% 0.0%
First Option Mortgage, LLC $245,000 n/a 0.0%
MORTGAGE ACCESS CORP. $245,000 n/a 0.0%
Northwest Bank $245,000 n/a 0.0%
PREMIA MORTGAGE, LLC $245,000 n/a 0.0%
Tri City National Bank $2,650,000 $240,000 -90.9% 0.0%
Capitol Bank $550,000 $235,000 -57.3% 0.0%
CLEARPOINTE CAPITAL, LLC $375,000 $235,000 -37.3% 0.0%
NORTHWESTERN MUTUAL $310,000 $230,000 -25.8% 0.0%
Axos Bank $225,000 n/a 0.0%
SIRVA MORTGAGE, INC. $620,000 $225,000 -63.7% 0.0%
ENDEAVOR CAPITAL, LLC. $125,000 $215,000 72.0% 0.0%
Grundy Bank $215,000 n/a 0.0%
North Shore Trust and Savings $1,165,000 $215,000 -81.5% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,055,000 $215,000 -79.6% 0.0%
TOWNE MORTGAGE COMPANY $545,000 $215,000 -60.6% 0.0%
V.I.P. MORTGAGE, INC. $215,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $705,000 $215,000 -69.5% 0.0%
Baraboo State Bank $95,000 $205,000 115.8% 0.0%
Beeline Loans, Inc. $205,000 n/a 0.0%
HONDA Federal Credit Union $205,000 n/a 0.0%
SUMMIT FUNDING, INC. $345,000 $205,000 -40.6% 0.0%
PRIME FINANCIAL CREDIT UNION $240,000 $200,000 -16.7% 0.0%
OCEANSIDE MORTGAGE COMPANY $215,000 $195,000 -9.3% 0.0%
First Community Credit Union $595,000 $175,000 -70.6% 0.0%
MLD MORTGAGE INC. $145,000 $165,000 13.8% 0.0%
SOFI LENDING CORP. $1,665,000 $165,000 -90.1% 0.0%
Farmers & Merchants State Bank $1,360,000 $160,000 -88.2% 0.0%
Hometown Equity Mortgage, LLC $155,000 n/a 0.0%
The Home Loan Expert LLC $155,000 n/a 0.0%
Settlers Bank $145,000 n/a 0.0%
JLB CORPORATION $125,000 $135,000 8.0% 0.0%
LAKE MICHIGAN CREDIT UNION $135,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $540,000 $125,000 -76.9% 0.0%
Guardian Credit Union $125,000 n/a 0.0%
MIDWEST LOAN SOLUTIONS, INC. $125,000 n/a 0.0%
Republic Bank of Chicago $125,000 n/a 0.0%
ADVANCIAL $115,000 n/a 0.0%
First National Bank of America $560,000 $115,000 -79.5% 0.0%
Wisconsin Bank & Trust $115,000 n/a 0.0%
The Peoples Community Bank $105,000 n/a 0.0%
EVERETT FINANCIAL, INC. $315,000 $95,000 -69.8% 0.0%
ROYAL UNITED MORTGAGE LLC $890,000 $95,000 -89.3% 0.0%
Vibrant Credit Union $95,000 n/a 0.0%
USAlliance Federal Credit Union $85,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $165,000 $85,000 -48.5% 0.0%
Oregon Community Bank $340,000 $75,000 -77.9% 0.0%
State Bank of Cross Plains $65,000 n/a 0.0%
Strong Home Mortgage, LLC $735,000 $65,000 -91.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
WINGS FINANCIAL $275,000 $65,000 -76.4% 0.0%
Empower Credit Union $305,000 $55,000 -82.0% 0.0%
Think Mutual Bank $55,000 n/a 0.0%
ALTRA $390,000 $45,000 -88.5% 0.0%
Georgia Banking Company $45,000 n/a 0.0%

Whitewater's top lender by overall market share is QUICKEN LOANS, LLC, with 4.3% market share. In second place, with 4.1%, is JPMorgan Chase Bank, having originated $36,050,000 in loans. In third place, with 4.0%, is The First National Bank and Trust Company, having originated $35,495,000 in loans. In fourth place, with 4.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $35,295,000 in loans. In fifth place, with 3.7%, is Associated Bank, having originated $32,385,000 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 (3.6%) 0.00 718
2018-02-01 $277,975 (7.0%) $466,628 (2.4%) 0.00 766
2018-03-01 $279,000 (7.6%) $459,177 (1.5%) 0.00 838
2018-04-01 $282,450 (10.8%) $452,542 (1.2%) 0.00 875
2018-05-01 $289,725 (12.5%) $456,645 (3.3%) 0.00 935
2018-06-01 $285,000 (6.8%) $453,959 (1.7%) 0.00 991
2018-07-01 $280,490 (5.9%) $451,641 (1.8%) 0.00 1,006
2018-08-01 $285,000 (8.6%) $441,494 (-1.0%) 0.00 1,017
2018-09-01 $288,750 (3.2%) $446,103 (-4.0%) 0.00 1,010
2018-10-01 $284,500 (1.8%) $455,423 (-1.3%) 0.00 973
2018-11-01 $288,950 (5.1%) $451,185 (-2.1%) 0.00 880
2018-12-01 $289,900 (5.5%) $459,839 (1.4%) 0.00 770
2019-01-01 $289,450 (5.7%) $463,016 (2.6%) 0.00 684
2019-02-01 $299,000 (7.6%) $478,898 (2.6%) 0.00 693
2019-03-01 $299,943 (7.5%) $488,473 (6.4%) 0.00 761
2019-04-01 $313,375 (11.0%) $519,699 (14.8%) 0.00 848
2019-05-01 $325,373 (12.3%) $528,776 (15.8%) 0.00 845
2019-06-01 $320,040 (12.3%) $517,753 (14.1%) 0.00 884
2019-07-01 $324,945 (15.9%) $522,709 (15.7%) 0.00 909
2019-08-01 $320,809 (12.6%) $516,288 (16.9%) 0.00 920
2019-09-01 $314,673 (9.0%) $507,138 (13.7%) 0.00 909
2019-10-01 $307,173 (8.0%) $501,038 (10.0%) 0.00 889
2019-11-01 $299,900 (3.8%) $496,905 (10.1%) 0.00 770
2019-12-01 $300,000 (3.5%) $517,289 (12.5%) 0.00 641
2020-01-01 $299,950 (3.6%) $512,547 (10.7%) 0.00 577
2020-02-01 $313,880 (5.0%) $533,318 (11.4%) 0.00 634
2020-03-01 $319,673 (6.6%) $528,300 (8.2%) 0.00 682
2020-04-01 $317,450 (1.3%) $528,731 (1.7%) 0.00 664
2020-05-01 $314,945 (-3.2%) $526,151 (-0.5%) 0.00 694
2020-06-01 $317,475 (-0.8%) $532,916 (2.9%) 0.00 718
2020-07-01 $328,250 (1.0%) $534,948 (2.3%) 0.00 718
2020-08-01 $316,495 (-1.3%) $532,192 (3.1%) 0.00 689
2020-09-01 $316,073 (0.4%) $510,223 (0.6%) 0.00 683
2020-10-01 $305,000 (-0.7%) $527,018 (5.2%) 0.00 614
2020-11-01 $299,975 (0.0%) $530,150 (6.7%) 0.00 541
2020-12-01 $299,900 (0.0%) $530,066 (2.5%) 0.00 455
2021-01-01 $294,900 (-1.7%) $523,724 (2.2%) 0.00 382
2021-02-01 $309,900 (-1.3%) $552,181 (3.5%) 0.00 406
2021-03-01 $309,600 (-3.2%) $523,510 (-0.9%) 0.00 411
2021-04-01 $322,400 (1.6%) $512,618 (-3.1%) 0.00 442
2021-05-01 $329,900 (4.8%) $519,821 (-1.2%) 0.00 493
2021-06-01 $326,975 (3.0%) $528,380 (-0.9%) 0.00 534
2021-07-01 $329,900 (0.5%) $553,774 (3.5%) 0.00 555
2021-08-01 $349,900 (10.6%) $535,420 (0.6%) 0.00 612
2021-09-01 $348,350 (10.2%) $521,395 (2.2%) 0.00 608
2021-10-01 $344,950 (13.1%) $538,264 (2.1%) 0.00 529
2021-11-01 $342,625 (14.2%) $539,749 (1.8%) 0.00 465
2021-12-01 $332,000 (10.7%) $529,400 (-0.1%) 0.00 380
2022-01-01 $342,950 (16.3%) $532,947 (1.8%) 0.00 314
2022-02-01 $352,250 (13.7%) $589,820 (6.8%) 0.00 284
2022-03-01 $371,748 (20.1%) $621,519 (18.7%) 0.00 293
2022-04-01 $375,500 (16.5%) $599,067 (16.9%) 0.00 357
2022-05-01 $374,500 (13.5%) $607,458 (16.9%) 0.00 372
2022-06-01 $379,450 (16.1%) $625,391 (18.4%) 0.00 380
2022-07-01 $374,900 (13.6%) $604,848 (9.2%) 0.00 434
2022-08-01 $379,000 (8.3%) $634,627 (18.5%) 0.00 458
2022-09-01 $390,000 (12.0%) $591,098 (13.4%) 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%) $755,122 (24.3%) 0.00 379
2023-06-01 $458,883 (20.9%) $781,038 (24.9%) 0.00 437
2023-07-01 $465,000 (24.0%) $801,676 (32.5%) 0.00 454
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
Whitewater's median listing price for 2023-11-01 was $460,198, a difference of $85,198 (22.7%) versus the prior year and $-3,297 versus the prior month.

Whitewater's median listing price comes in at 0% of the national average.

Whitewater's average listing price for 2023-11-01 was $802,948, a difference of $205,931 (34.5%) versus the prior year and $21,156 versus the prior month.

For the 2023-11-01 period, Whitewater had 424 MLS listings, a difference of -14 listings (-3%) versus the prior month and 39 listings (10%) 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 1,816 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 1,802 sqft
2018-08-01 0 days 1,803 sqft
2018-09-01 0 days 1,801 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 1,800 sqft
2019-02-01 0 days 1,814 sqft
2019-03-01 0 days 1,815 sqft
2019-04-01 0 days 1,868 sqft
2019-05-01 0 days 1,906 sqft
2019-06-01 0 days 1,897 sqft
2019-07-01 0 days 1,937 sqft
2019-08-01 0 days 1,934 sqft
2019-09-01 0 days 1,929 sqft
2019-10-01 0 days 1,913 sqft
2019-11-01 0 days 1,866 sqft
2019-12-01 0 days 1,861 sqft
2020-01-01 0 days 1,801 sqft
2020-02-01 0 days 1,877 sqft
2020-03-01 0 days 1,858 sqft
2020-04-01 0 days 1,856 sqft
2020-05-01 0 days 1,838 sqft
2020-06-01 0 days 1,888 sqft
2020-07-01 0 days 1,901 sqft
2020-08-01 0 days 1,898 sqft
2020-09-01 0 days 1,901 sqft
2020-10-01 0 days 1,860 sqft
2020-11-01 0 days 1,807 sqft
2020-12-01 0 days 1,815 sqft
2021-01-01 0 days 1,745 sqft
2021-02-01 0 days 1,745 sqft
2021-03-01 0 days 1,714 sqft
2021-04-01 0 days 1,745 sqft
2021-05-01 0 days 1,800 sqft
2021-06-01 0 days 1,808 sqft
2021-07-01 0 days 1,744 sqft
2021-08-01 0 days 1,743 sqft
2021-09-01 0 days 1,734 sqft
2021-10-01 0 days 1,736 sqft
2021-11-01 0 days 1,755 sqft
2021-12-01 0 days 1,735 sqft
2022-01-01 0 days 1,695 sqft
2022-02-01 0 days 1,768 sqft
2022-03-01 0 days 1,769 sqft
2022-04-01 0 days 1,750 sqft
2022-05-01 0 days 1,796 sqft
2022-06-01 0 days 1,832 sqft
2022-07-01 0 days 1,800 sqft
2022-08-01 0 days 1,815 sqft
2022-09-01 0 days 1,832 sqft
2022-10-01 0 days 1,898 sqft
2022-11-01 0 days 1,853 sqft
2022-12-01 0 days 1,846 sqft
2023-01-01 0 days 1,876 sqft
2023-02-01 0 days 1,899 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 1,857 sqft
2023-07-01 0 days 1,886 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
Whitewater's median listing age (time on market) for 2023-11-01 was 0 days.

Whitewater's median square footage for active listings during the 2023-11-01 period was 1,935 sqft. One year prior, the average listing was 1,853 sqft.

Whitewater, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,491 $469,835,000 $315,114
Cash Out Refi 609 $153,455,000 $251,979
Refi 547 $148,965,000 $272,331
Home Improvement 354 $38,440,000 $108,588
Other 338 $70,810,000 $209,497

Whitewater's most frequently cited loan purpose was Home Purchase, with 1,491 originations. The 2nd most popular reason was Cash Out Refi, with 609 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 788 $230,880,000 $292,995
5-6% 726 $177,770,000 $244,862
4-5% 684 $194,360,000 $284,152
6-7% 382 $73,590,000 $192,644
2.5-3% 268 $107,410,000 $400,784
<2.5% 252 $43,150,000 $171,230
7-8% 132 $20,650,000 $156,439
Over 8% 61 $6,205,000 $101,721

During 2022, Whitewater's most frequently originated rate bucket was 3-4%, with 788 originations.

Loan Sizing (Whitewater, WI MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,157 $319,475,000 $276,124
$100k-200k 967 $144,005,000 $148,919
$100,000 or less 780 $42,640,000 $54,667
$400k-600k 255 $124,095,000 $486,647
$600k-1000k 114 $83,060,000 $728,596
$Over $1MM 66 $168,230,000 $2,548,939

Whitewater's loan sizing saw the bucket of loans from $200k-400k with 1,157 originations, totaling $319,475,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 950 $284,560,000 $299,537
60-80% 896 $327,630,000 $365,658
Under 20% 493 $39,305,000 $79,726
20-40% 479 $65,955,000 $137,693
40-60% 449 $128,745,000 $286,737
Over 100% 13 $4,405,000 $338,846

Whitewater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 950 originations, totaling $284,560,000 in origination value.