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
6.24%
for the week of 2023-06-01, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2023-05-25) was
6.02% and
one month ago for the week of 2023-04-27, the
average rate was 5.88%.
Whitewater's average rate one year ago was 4.55%.
For refis of the same type during the week of 2023-06-01, the average rate
was 5.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-06-01 | 6.79% |
| Whitewater 30 Year Fixed Rate | 2023-06-01 | 6.24% |
| Whitewater 30 Year Fixed Rate Refi | 2023-06-01 | 5.81% |
| Whitewater 15 Year Fixed Rate | 2023-06-01 | 6.05% |
| Whitewater 15 Year Fixed Rate Refi | 2023-06-01 | 4.85% |
| Whitewater 30 Year FHA | 2023-06-01 | -0.26% |
| Whitewater 30 Year FHA Refi | 2023-06-01 | 0.2% |
| Whitewater 30 Year USDA | 2023-06-01 | 0.1% |
| Whitewater 30 Year USDA Refi | 2023-06-01 | 0% |
| Whitewater 30 Year VA | 2023-06-01 | 0% |
| Whitewater 30 Year VA Refi | 2023-06-01 | 0.2% |
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 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 |
Whitewater's median listing price for 2023-05-01 was $461,595, a difference of
$87,095
(23.3%) versus the prior year and
$2,605 versus the prior month.
Whitewater's median listing price comes in at 0% of the national average.
Whitewater's average listing price for 2023-05-01 was $755,122, a difference of $147,664 (24.3%) versus the prior year and $68,953 versus the prior month.
For the 2023-05-01 period, Whitewater had 379 MLS listings, a difference of 38 listings (11%) 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 2023-05-01 was $755,122, a difference of $147,664 (24.3%) versus the prior year and $68,953 versus the prior month.
For the 2023-05-01 period, Whitewater had 379 MLS listings, a difference of 38 listings (11%) 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 | 1,816 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 |
Whitewater's median listing age (time on market) for 2023-05-01 was 0 days.
Whitewater's median square footage for active listings during the 2023-05-01 period was 1,920 sqft. One year prior, the average listing was 1,796 sqft.
Whitewater's median square footage for active listings during the 2023-05-01 period was 1,920 sqft. One year prior, the average listing was 1,796 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.