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
6.59%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
7% and
one month ago for the week of 2025-02-27, the
average rate was 7.11%.
Whitewater's average rate one year ago was 7.14%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.74%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Whitewater 30 Year Fixed Rate | 2025-04-03 | 6.59% |
| Whitewater 30 Year Fixed Rate Refi | 2025-04-03 | 6.74% |
| Whitewater 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Whitewater 15 Year Fixed Rate Refi | 2025-04-03 | 6.32% |
| Whitewater 30 Year FHA | 2025-04-03 | 6.44% |
| Whitewater 30 Year FHA Refi | 2025-04-03 | 6.16% |
| Whitewater 30 Year USDA | 2025-04-03 | 6.32% |
| Whitewater 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Whitewater 30 Year VA | 2025-04-03 | 5.86% |
| Whitewater 30 Year VA Refi | 2025-04-03 | 6.16% |
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 164 lenders originated 2,578
loans during 2024. The total origination value was $759,250,000, with an average loan value of
$294,511.
Whitewater's average closing costs are $3,804.
The top Whitewater lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
93 loans originated. Their average total fees are
$4,417, which is $864
lower than the next largest lender,
GUARANTEED RATE, INC..
The lowest fee Whitewater lenders (with over 10 loans originated) are
EDUCATORS CREDIT UNION ($1,699), Waukesha State Bank ($1,889), Landmark Credit Union ($2,368), Johnson Bank ($2,556) and Blackhawk Community Credit Union ($2,702).
The lowest rate Whitewater lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (6.16%), MORTGAGE CENTER L.C (6.35%), Waukesha State Bank (6.36%), University of Wisconsin Credit Union (6.42%) and The Huntington National Bank (6.49%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| ORIX REAL ESTATE CAPITAL, LLC | $40,410,000 | n/a | 5.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $25,605,000 | $33,840,000 | 32.2% | 4.5% |
| GUARANTEED RATE, INC. | $20,235,000 | $30,810,000 | 52.3% | 4.1% |
| Landmark Credit Union | $14,220,000 | $30,205,000 | 112.4% | 4.0% |
| Associated Bank | $23,430,000 | $26,770,000 | 14.3% | 3.5% |
| JPMorgan Chase Bank | $31,140,000 | $24,225,000 | -22.2% | 3.2% |
| BMO Harris Bank | $9,200,000 | $22,900,000 | 148.9% | 3.0% |
| QUICKEN LOANS, LLC | $14,040,000 | $22,270,000 | 58.6% | 2.9% |
| Barrington Bank & Trust Company, N.A. | $10,600,000 | $19,035,000 | 79.6% | 2.5% |
| The First National Bank and Trust Company | $33,250,000 | $16,405,000 | -50.7% | 2.2% |
| Johnson Bank | $12,540,000 | $15,490,000 | 23.5% | 2.0% |
| ADVIA | $10,390,000 | $15,360,000 | 47.8% | 2.0% |
| Bank of America | $8,695,000 | $14,590,000 | 67.8% | 1.9% |
| Morgan Stanley Private Bank | $8,835,000 | $14,295,000 | 61.8% | 1.9% |
| Summit Credit Union | $19,235,000 | $13,765,000 | -28.4% | 1.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,625,000 | $12,245,000 | 27.2% | 1.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,165,000 | $12,080,000 | 47.9% | 1.6% |
| U.S. Bank | $14,385,000 | $10,825,000 | -24.7% | 1.4% |
| EDUCATORS CREDIT UNION | $13,870,000 | $10,045,000 | -27.6% | 1.3% |
| The Huntington National Bank | $8,710,000 | $9,710,000 | 11.5% | 1.3% |
| CoVantage Credit Union | $70,000 | $9,585,000 | 13,592.9% | 1.3% |
| GUILD MORTGAGE COMPANY | $5,385,000 | $9,225,000 | 71.3% | 1.2% |
| University of Wisconsin Credit Union | $9,470,000 | $9,090,000 | -4.0% | 1.2% |
| Town Bank, N.A. | $1,910,000 | $8,695,000 | 355.2% | 1.1% |
| Mortgage Research Center, LLC | $5,920,000 | $8,650,000 | 46.1% | 1.1% |
| Community State Bank | $6,740,000 | $8,595,000 | 27.5% | 1.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $5,270,000 | $8,545,000 | 62.1% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,270,000 | $8,485,000 | 35.3% | 1.1% |
| Raymond James Bank | $7,435,000 | n/a | 1.0% | |
| Citizens Bank | $4,500,000 | $7,350,000 | 63.3% | 1.0% |
| PROPER RATE, LLC | $5,530,000 | $7,215,000 | 30.5% | 1.0% |
| WISCONSIN MORTGAGE CORPORATION | $2,640,000 | $6,690,000 | 153.4% | 0.9% |
| PLANET HOME LENDING, LLC | $2,815,000 | $6,355,000 | 125.8% | 0.8% |
| Old National Bank | $7,465,000 | $6,310,000 | -15.5% | 0.8% |
| Blackhawk Community Credit Union | $5,865,000 | $6,105,000 | 4.1% | 0.8% |
| CIBM Bank | $9,490,000 | $6,015,000 | -36.6% | 0.8% |
| Bank Five Nine | $3,680,000 | $5,905,000 | 60.5% | 0.8% |
| Charles Schwab Bank, SSB | $2,100,000 | $5,570,000 | 165.2% | 0.7% |
| NEWREZ LLC | $5,570,000 | $5,495,000 | -1.3% | 0.7% |
| MORTGAGE CENTER L.C | $1,845,000 | $5,190,000 | 181.3% | 0.7% |
| LOANDEPOT.COM, LLC | $3,555,000 | $4,730,000 | 33.1% | 0.6% |
| Waukesha State Bank | $4,265,000 | $4,595,000 | 7.7% | 0.6% |
| A + MORTGAGE SERVICES, INC. | $3,225,000 | $4,250,000 | 31.8% | 0.6% |
| Citibank | $4,115,000 | n/a | 0.5% | |
| FREEDOM MORTGAGE CORPORATION | $1,735,000 | $4,065,000 | 134.3% | 0.5% |
| The Harvard State Bank | $3,015,000 | $3,915,000 | 29.9% | 0.5% |
| Fifth Third Bank | $1,310,000 | $3,905,000 | 198.1% | 0.5% |
| Goldman Sachs Bank USA | $10,345,000 | $3,845,000 | -62.8% | 0.5% |
| PremierBank | $1,860,000 | $3,725,000 | 100.3% | 0.5% |
| Bell Bank | $5,425,000 | $3,695,000 | -31.9% | 0.5% |
| Prosperity Home Mortgage, LLC | $865,000 | $3,410,000 | 294.2% | 0.4% |
| Great Midwest Bank, S.S.B. | $3,675,000 | $3,340,000 | -9.1% | 0.4% |
| Baxter Credit Union | $1,140,000 | $3,305,000 | 189.9% | 0.4% |
| The Greenwood's State Bank | $6,565,000 | $3,290,000 | -49.9% | 0.4% |
| READYCAP COMMERCIAL, LLC | $3,055,000 | n/a | 0.4% | |
| First Mid Bank & Trust | $3,050,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $3,230,000 | $2,900,000 | -10.2% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $2,545,000 | $2,820,000 | 10.8% | 0.4% |
| CARDINAL FINANCIAL | $2,920,000 | $2,815,000 | -3.6% | 0.4% |
| Flagstar Bank, FSB | $1,655,000 | $2,735,000 | 65.3% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $2,720,000 | $2,730,000 | 0.4% | 0.4% |
| UNION HOME MORTGAGE CORP. | $325,000 | $2,505,000 | 670.8% | 0.3% |
| Plains Commerce Bank | $1,390,000 | $2,435,000 | 75.2% | 0.3% |
| PNC Bank | $5,850,000 | $2,405,000 | -58.9% | 0.3% |
| THOMPSON KANE & COMPANY, LLC | $1,820,000 | $2,390,000 | 31.3% | 0.3% |
| Florida Capital Bank | $2,285,000 | n/a | 0.3% | |
| The Northern Trust Company | $2,280,000 | n/a | 0.3% | |
| First American Bank | $2,515,000 | $2,250,000 | -10.5% | 0.3% |
| GREENSTATE CREDIT UNION | $3,395,000 | $2,215,000 | -34.8% | 0.3% |
| GATEWAY MORTGAGE CORPORATION | $1,395,000 | $2,105,000 | 50.9% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $1,625,000 | $2,060,000 | 26.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $575,000 | $2,030,000 | 253.0% | 0.3% |
| The Federal Savings Bank | $695,000 | $1,875,000 | 169.8% | 0.2% |
| ALLIANT CREDIT UNION | $555,000 | $1,860,000 | 235.1% | 0.2% |
| Bank of England | $3,210,000 | $1,840,000 | -42.7% | 0.2% |
| BNY Mellon | $1,785,000 | n/a | 0.2% | |
| Sauk Valley Bank & Trust Company | $865,000 | $1,770,000 | 104.6% | 0.2% |
| CMG MORTGAGE, INC. | $1,260,000 | $1,755,000 | 39.3% | 0.2% |
| Leader Bank | $1,755,000 | n/a | 0.2% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $1,345,000 | $1,695,000 | 26.0% | 0.2% |
| FIRST COLONY MORTGAGE CORPORATION | $1,680,000 | n/a | 0.2% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,660,000 | n/a | 0.2% | |
| UIF CORPORATION | $485,000 | $1,605,000 | 230.9% | 0.2% |
| Home State Bank | $925,000 | $1,575,000 | 70.3% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,025,000 | $1,570,000 | 53.2% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,535,000 | n/a | 0.2% | |
| NATIONS DIRECT MORTGAGE, LLC | $1,515,000 | n/a | 0.2% | |
| Northbrook Bank & Trust | $485,000 | $1,480,000 | 205.2% | 0.2% |
| Libertyville Bank & Trust | $1,440,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $610,000 | $1,415,000 | 132.0% | 0.2% |
| Wells Fargo Bank | $1,115,000 | $1,395,000 | 25.1% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,610,000 | $1,380,000 | -14.3% | 0.2% |
| Waterstone Mortgage Corporation | $835,000 | $1,380,000 | 65.3% | 0.2% |
| BAY EQUITY LLC | $800,000 | $1,335,000 | 66.9% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,460,000 | $1,330,000 | -61.6% | 0.2% |
| LAKE MICHIGAN CREDIT UNION | $1,300,000 | n/a | 0.2% | |
| CHEVRON | $1,275,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,085,000 | $1,205,000 | 11.1% | 0.2% |
| Badger Bank | $1,200,000 | n/a | 0.2% | |
| Nations Lending Corporation | $2,210,000 | $1,155,000 | -47.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $460,000 | $1,145,000 | 148.9% | 0.2% |
| North Shore Bank FSB | $1,920,000 | $1,145,000 | -40.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $795,000 | $1,130,000 | 42.1% | 0.1% |
| Tri City National Bank | $370,000 | $1,130,000 | 205.4% | 0.1% |
| Cornerstone National Bank & Trust Company | $895,000 | $1,110,000 | 24.0% | 0.1% |
| Citizens Bank | $4,500,000 | $1,105,000 | -75.4% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,055,000 | n/a | 0.1% | |
| Resource Bank, N.A. | $1,055,000 | n/a | 0.1% | |
| NexBank | $1,040,000 | n/a | 0.1% | |
| PyraMax Bank, FSB | $560,000 | $985,000 | 75.9% | 0.1% |
| Key Mortgage Services, Inc. | $2,290,000 | $975,000 | -57.4% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,940,000 | $965,000 | -50.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $680,000 | $915,000 | 34.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $905,000 | n/a | 0.1% | |
| COMPASS MORTGAGE, INC. | $875,000 | $895,000 | 2.3% | 0.1% |
| Westbury Bank | $1,185,000 | $895,000 | -24.5% | 0.1% |
| The First National Bank of Ottawa | $2,035,000 | $885,000 | -56.5% | 0.1% |
| DUPACO COMMUNITY | $495,000 | $880,000 | 77.8% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $880,000 | n/a | 0.1% | |
| Academy Bank | $860,000 | n/a | 0.1% | |
| The Bank of New Glarus | $1,145,000 | $860,000 | -24.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $85,000 | $840,000 | 888.2% | 0.1% |
| Old Second National Bank | $2,300,000 | $840,000 | -63.5% | 0.1% |
| Bethpage Federal Credit Union | $350,000 | $835,000 | 138.6% | 0.1% |
| TJC Mortgage, Inc. | $815,000 | n/a | 0.1% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $380,000 | $810,000 | 113.2% | 0.1% |
| Discover Bank | $1,025,000 | $800,000 | -22.0% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $795,000 | n/a | 0.1% | |
| Gold Coast Bank | $565,000 | $740,000 | 31.0% | 0.1% |
| NBKC BANK | $1,535,000 | $740,000 | -51.8% | 0.1% |
| CONSUMERS COOPERATIVE CREDIT UNION | $905,000 | $735,000 | -18.8% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $725,000 | n/a | 0.1% | |
| National Exchange Bank and Trust | $1,260,000 | $725,000 | -42.5% | 0.1% |
| Cornerstone First Mortgage, Inc | $720,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $910,000 | $700,000 | -23.1% | 0.1% |
| Coastal Community Bank | $250,000 | $700,000 | 180.0% | 0.1% |
| Hinsdale Bank & Trust Company | $695,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $690,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $315,000 | $685,000 | 117.5% | 0.1% |
| 21ST MORTGAGE CORPORATION | $450,000 | $675,000 | 50.0% | 0.1% |
| TOWNE MORTGAGE COMPANY | $405,000 | $675,000 | 66.7% | 0.1% |
| UNITED HOME LOANS, INC. | $1,000,000 | $670,000 | -33.0% | 0.1% |
| THRIVENT Federal Credit Union | $645,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $640,000 | 197.7% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $275,000 | $630,000 | 129.1% | 0.1% |
| Texana Bank | $630,000 | n/a | 0.1% | |
| Ixonia Bank | $170,000 | $600,000 | 252.9% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $765,000 | $565,000 | -26.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $265,000 | $565,000 | 113.2% | 0.1% |
| First Community Bank | $275,000 | $560,000 | 103.6% | 0.1% |
| North Shore Trust and Savings | $665,000 | $560,000 | -15.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $510,000 | $555,000 | 8.8% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,040,000 | $540,000 | -48.1% | 0.1% |
| UBS Bank USA | $4,770,000 | $535,000 | -88.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $510,000 | n/a | 0.1% | |
| CIBC Bank USA | $3,110,000 | $505,000 | -83.8% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $555,000 | $505,000 | -9.0% | 0.1% |
| Figure Lending LLC | $525,000 | $500,000 | -4.8% | 0.1% |
| Heartland Bank and Trust Company | $725,000 | $500,000 | -31.0% | 0.1% |
| MARINE | $1,525,000 | $500,000 | -67.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $85,000 | $490,000 | 476.5% | 0.1% |
| T2 FINANCIAL LLC | $485,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $475,000 | n/a | 0.1% | |
| Grundy Bank | $475,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $475,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $315,000 | $440,000 | 39.7% | 0.1% |
| American Airlines Federal Credit Union | $120,000 | $435,000 | 262.5% | 0.1% |
| Alerus Financial | $425,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $425,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $395,000 | n/a | 0.1% | |
| UNITEDONE Credit Union | $395,000 | n/a | 0.1% | |
| Peoples Bank | $385,000 | n/a | 0.1% | |
| Logan Finance Corporation | $375,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $1,125,000 | $370,000 | -67.1% | 0.0% |
| Axos Bank | $365,000 | n/a | 0.0% | |
| VALOR BANK | $355,000 | n/a | 0.0% | |
| First National Bank of Brookfield | $350,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $410,000 | $340,000 | -17.1% | 0.0% |
| Flanagan State Bank | $335,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $325,000 | n/a | 0.0% | |
| Horicon Bank | $325,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $185,000 | $325,000 | 75.7% | 0.0% |
| Republic Bank of Chicago | $345,000 | $325,000 | -5.8% | 0.0% |
| COMPEER FINANCIAL, FLCA | $355,000 | $315,000 | -11.3% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,255,000 | $315,000 | -74.9% | 0.0% |
| Stillman Bank | $1,825,000 | $315,000 | -82.7% | 0.0% |
| The Loan Store, Inc. | $95,000 | $310,000 | 226.3% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $305,000 | n/a | 0.0% | |
| ALLIANT | $285,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $275,000 | $285,000 | 3.6% | 0.0% |
| Collins State Bank | $285,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $95,000 | $285,000 | 200.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $275,000 | $285,000 | 3.6% | 0.0% |
| IDEAL | $285,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $275,000 | n/a | 0.0% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $275,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $275,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $620,000 | $275,000 | -55.6% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $265,000 | n/a | 0.0% | |
| Ally Bank | $265,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $265,000 | n/a | 0.0% | |
| Bankers' Bank | $265,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| GNB Bank | $265,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $265,000 | n/a | 0.0% | |
| NUMARK CREDIT UNION | $265,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $405,000 | $255,000 | -37.0% | 0.0% |
| CBI Bank & Trust | $250,000 | n/a | 0.0% | |
| GREAT LAKES | $135,000 | $245,000 | 81.5% | 0.0% |
| Peoples Bank | $245,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $245,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $125,000 | $240,000 | 92.0% | 0.0% |
| Crystal Lake Bank and Trust | $1,335,000 | $235,000 | -82.4% | 0.0% |
| SELFRELIANCE | $165,000 | $235,000 | 42.4% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $510,000 | $225,000 | -55.9% | 0.0% |
| Think Mutual Bank | $710,000 | $220,000 | -69.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| Servion, Inc. | $145,000 | $215,000 | 48.3% | 0.0% |
| Bank of Deerfield | $155,000 | $205,000 | 32.3% | 0.0% |
| FNBC Bank & Trust | $205,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $205,000 | n/a | 0.0% | |
| NORTHWESTERN MUTUAL | $205,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $155,000 | $205,000 | 32.3% | 0.0% |
| Peoples State Bank | $630,000 | $205,000 | -67.5% | 0.0% |
| First-Citizens Bank & Trust Company | $195,000 | n/a | 0.0% | |
| First State Bank | $195,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $195,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $195,000 | n/a | 0.0% | |
| The Equitable Bank, S.S.B. | $805,000 | $195,000 | -75.8% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $200,000 | $190,000 | -5.0% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $175,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $785,000 | $165,000 | -79.0% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| The Park Bank | $1,035,000 | $150,000 | -85.5% | 0.0% |
| Farmers and Merchants Union Bank | $135,000 | n/a | 0.0% | |
| S1L, Inc. | $305,000 | $125,000 | -59.0% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $115,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $110,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $465,000 | $95,000 | -79.6% | 0.0% |
| EVERETT FINANCIAL, INC. | $95,000 | n/a | 0.0% | |
| LOANPAL, LLC | $95,000 | n/a | 0.0% | |
| First Community Credit Union | $1,055,000 | $80,000 | -92.4% | 0.0% |
| Farmers & Merchants State Bank | $65,000 | n/a | 0.0% | |
| Guardian Credit Union | $345,000 | $55,000 | -84.1% | 0.0% |
| PRIME FINANCIAL CREDIT UNION | $85,000 | $55,000 | -35.3% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $95,000 | $5,000 | -94.7% | 0.0% |
Whitewater's top lender by overall market share is ORIX REAL ESTATE CAPITAL, LLC, with 5.3% market share. In second place, with 4.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $33,840,000 in loans. In third place, with 4.1%, is GUARANTEED RATE, INC., having originated $30,810,000 in loans. In fourth place, with 4.0%, is Landmark Credit Union, having originated $30,205,000 in loans. In fifth place, with 3.5%, is Associated Bank, having originated $26,770,000 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 | $277,975 (7.0%) | $466,628 (2.3%) | 0.00 | 766 |
| 2018-03-01 | $279,000 (7.5%) | $459,177 (1.4%) | 0.00 | 838 |
| 2018-04-01 | $282,450 (10.8%) | $452,542 (1.1%) | 0.00 | 875 |
| 2018-05-01 | $289,725 (12.2%) | $456,645 (3.2%) | 0.00 | 935 |
| 2018-06-01 | $285,000 (6.7%) | $453,959 (1.6%) | 0.00 | 991 |
| 2018-07-01 | $280,490 (5.3%) | $451,641 (1.7%) | 0.00 | 1,006 |
| 2018-08-01 | $285,498 (8.8%) | $441,689 (-0.9%) | 0.00 | 1,018 |
| 2018-09-01 | $289,000 (3.3%) | $446,483 (-3.9%) | 0.00 | 1,011 |
| 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 (7.6%) | $479,976 (2.9%) | 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%) | $529,775 (16.0%) | 0.00 | 844 |
| 2019-06-01 | $320,915 (12.6%) | $518,582 (14.2%) | 0.00 | 882 |
| 2019-07-01 | $325,000 (15.9%) | $524,406 (16.1%) | 0.00 | 905 |
| 2019-08-01 | $320,909 (12.4%) | $517,948 (17.3%) | 0.00 | 916 |
| 2019-09-01 | $314,773 (8.9%) | $508,772 (14.0%) | 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 | $329,700 (0.4%) | $554,371 (3.6%) | 0.00 | 555 |
| 2021-08-01 | $349,900 (10.6%) | $535,685 (0.7%) | 0.00 | 611 |
| 2021-09-01 | $348,250 (10.2%) | $521,632 (2.2%) | 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 (13.7%) | $604,848 (9.1%) | 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 (13.3%) | 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 | $462,345 (23.5%) | $755,676 (24.4%) | 0.00 | 379 |
| 2023-06-01 | $458,895 (20.9%) | $782,241 (25.1%) | 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 |
| 2024-04-01 | $485,000 (5.7%) | $733,778 (6.9%) | 0.00 | 454 |
| 2024-05-01 | $493,825 (6.8%) | $800,554 (5.9%) | 0.00 | 493 |
| 2024-06-01 | $486,690 (6.1%) | $787,884 (0.7%) | 0.00 | 560 |
| 2024-07-01 | $481,085 (3.4%) | $795,711 (-0.9%) | 0.00 | 513 |
| 2024-08-01 | $473,500 (2.5%) | $773,964 (-0.9%) | 0.00 | 542 |
| 2024-09-01 | $465,998 (-0.3%) | $757,702 (-4.5%) | 0.00 | 540 |
| 2024-10-01 | $477,365 (3.0%) | $729,117 (-6.7%) | 0.00 | 542 |
| 2024-11-01 | $469,800 (2.1%) | $708,066 (-11.8%) | 0.00 | 480 |
| 2024-12-01 | $484,061 (3.2%) | $684,871 (-8.1%) | 0.00 | 391 |
| 2025-01-01 | $486,059 (2.3%) | $650,550 (-14.5%) | 0.00 | 369 |
| 2025-02-01 | $492,595 (0.5%) | $680,642 (-9.4%) | 0.00 | 389 |
| 2025-03-01 | $475,000 (-4.0%) | $661,483 (-11.8%) | 0.00 | 420 |
Whitewater's median listing price for 2025-03-01 was $475,000, a difference of
$-20,000
(-4.0%) versus the prior year and
$-17,595 versus the prior month.
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2025-03-01 was $661,483, a difference of $-88,757 (-11.8%) versus the prior year and $-19,159 versus the prior month.
For the 2025-03-01 period, Whitewater had 420 MLS listings, a difference of 31 listings (8%) versus the prior month and 7 listings (2%) versus the prior year.
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2025-03-01 was $661,483, a difference of $-88,757 (-11.8%) versus the prior year and $-19,159 versus the prior month.
For the 2025-03-01 period, Whitewater had 420 MLS listings, a difference of 31 listings (8%) versus the prior month and 7 listings (2%) 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 | 1,809 sqft |
| 2018-03-01 | 0 days | 1,821 sqft |
| 2018-04-01 | 0 days | 1,819 sqft |
| 2018-05-01 | 0 days | 1,810 sqft |
| 2018-06-01 | 0 days | 1,820 sqft |
| 2018-07-01 | 0 days | 1,801 sqft |
| 2018-08-01 | 0 days | 1,806 sqft |
| 2018-09-01 | 0 days | 1,801 sqft |
| 2018-10-01 | 0 days | 1,797 sqft |
| 2018-11-01 | 0 days | 1,799 sqft |
| 2018-12-01 | 0 days | 1,800 sqft |
| 2019-01-01 | 0 days | 1,801 sqft |
| 2019-02-01 | 0 days | 1,816 sqft |
| 2019-03-01 | 0 days | 1,817 sqft |
| 2019-04-01 | 0 days | 1,872 sqft |
| 2019-05-01 | 0 days | 1,901 sqft |
| 2019-06-01 | 0 days | 1,897 sqft |
| 2019-07-01 | 0 days | 1,928 sqft |
| 2019-08-01 | 0 days | 1,917 sqft |
| 2019-09-01 | 0 days | 1,918 sqft |
| 2019-10-01 | 0 days | 1,910 sqft |
| 2019-11-01 | 0 days | 1,866 sqft |
| 2019-12-01 | 0 days | 1,864 sqft |
| 2020-01-01 | 0 days | 1,801 sqft |
| 2020-02-01 | 0 days | 1,878 sqft |
| 2020-03-01 | 0 days | 1,853 sqft |
| 2020-04-01 | 0 days | 1,859 sqft |
| 2020-05-01 | 0 days | 1,840 sqft |
| 2020-06-01 | 0 days | 1,887 sqft |
| 2020-07-01 | 0 days | 1,900 sqft |
| 2020-08-01 | 0 days | 1,893 sqft |
| 2020-09-01 | 0 days | 1,896 sqft |
| 2020-10-01 | 0 days | 1,847 sqft |
| 2020-11-01 | 0 days | 1,811 sqft |
| 2020-12-01 | 0 days | 1,810 sqft |
| 2021-01-01 | 0 days | 1,750 sqft |
| 2021-02-01 | 0 days | 1,750 sqft |
| 2021-03-01 | 0 days | 1,725 sqft |
| 2021-04-01 | 0 days | 1,768 sqft |
| 2021-05-01 | 0 days | 1,800 sqft |
| 2021-06-01 | 0 days | 1,806 sqft |
| 2021-07-01 | 0 days | 1,748 sqft |
| 2021-08-01 | 0 days | 1,740 sqft |
| 2021-09-01 | 0 days | 1,740 sqft |
| 2021-10-01 | 0 days | 1,744 sqft |
| 2021-11-01 | 0 days | 1,752 sqft |
| 2021-12-01 | 0 days | 1,747 sqft |
| 2022-01-01 | 0 days | 1,670 sqft |
| 2022-02-01 | 0 days | 1,749 sqft |
| 2022-03-01 | 0 days | 1,768 sqft |
| 2022-04-01 | 0 days | 1,750 sqft |
| 2022-05-01 | 0 days | 1,785 sqft |
| 2022-06-01 | 0 days | 1,827 sqft |
| 2022-07-01 | 0 days | 1,800 sqft |
| 2022-08-01 | 0 days | 1,810 sqft |
| 2022-09-01 | 0 days | 1,824 sqft |
| 2022-10-01 | 0 days | 1,887 sqft |
| 2022-11-01 | 0 days | 1,858 sqft |
| 2022-12-01 | 0 days | 1,850 sqft |
| 2023-01-01 | 0 days | 1,872 sqft |
| 2023-02-01 | 0 days | 1,922 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 | 1,848 sqft |
| 2023-07-01 | 0 days | 1,884 sqft |
| 2023-08-01 | 0 days | 1,896 sqft |
| 2023-09-01 | 0 days | 1,902 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 |
| 2024-04-01 | 0 days | 1,987 sqft |
| 2024-05-01 | 0 days | 1,997 sqft |
| 2024-06-01 | 0 days | 1,947 sqft |
| 2024-07-01 | 0 days | 1,969 sqft |
| 2024-08-01 | 0 days | 1,950 sqft |
| 2024-09-01 | 0 days | 1,931 sqft |
| 2024-10-01 | 0 days | 1,907 sqft |
| 2024-11-01 | 0 days | 1,887 sqft |
| 2024-12-01 | 0 days | 1,911 sqft |
| 2025-01-01 | 0 days | 1,895 sqft |
| 2025-02-01 | 0 days | 1,887 sqft |
| 2025-03-01 | 0 days | 1,887 sqft |
Whitewater's median listing age (time on market) for 2025-03-01 was 0 days.
Whitewater's median square footage for active listings during the 2025-03-01 period was 1,887 sqft. One year prior, the average listing was 2,018 sqft.
Whitewater's median square footage for active listings during the 2025-03-01 period was 1,887 sqft. One year prior, the average listing was 2,018 sqft.
Whitewater, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,174 | $437,050,000 | $372,274 |
| Refi | 436 | $155,630,000 | $356,950 |
| Cash Out Refi | 349 | $85,905,000 | $246,146 |
| Other | 339 | $37,735,000 | $111,313 |
| Home Improvement | 276 | $38,830,000 | $140,688 |
| NA | 4 | $4,100,000 | $1,025,000 |
Whitewater's most frequently cited loan purpose was Home Purchase, with 1,174 originations. The 2nd most popular reason was Refi, with 436 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 905 | $314,945,000 | $348,006 |
| 7-8% | 684 | $171,620,000 | $250,906 |
| Over 8% | 572 | $71,590,000 | $125,157 |
| 5-6% | 203 | $139,295,000 | $686,182 |
| <2.5% | 64 | $6,340,000 | $99,063 |
| 4-5% | 16 | $7,390,000 | $461,875 |
| 3-4% | 8 | $1,960,000 | $245,000 |
During 2024, Whitewater's most frequently originated rate bucket was 6-7%, with 905 originations.
Loan Sizing (Whitewater, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 898 | $253,250,000 | $282,016 |
| $100,000 or less | 691 | $36,885,000 | $53,379 |
| $100k-200k | 561 | $81,775,000 | $145,766 |
| $400k-600k | 251 | $118,815,000 | $473,367 |
| $600k-1000k | 112 | $83,690,000 | $747,232 |
| $Over $1MM | 65 | $184,835,000 | $2,843,615 |
Whitewater's loan sizing saw the bucket of loans from $200k-400k with 898 originations, totaling $253,250,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 634 | $222,620,000 | $351,136 |
| 60-80% | 530 | $230,580,000 | $435,057 |
| Under 20% | 514 | $30,310,000 | $58,969 |
| 20-40% | 425 | $58,495,000 | $137,635 |
| 40-60% | 290 | $114,890,000 | $396,172 |
| Over 100% | 16 | $45,260,000 | $2,828,750 |
Whitewater's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 634 originations, totaling $222,620,000 in origination value.