Landmark Credit Union Mortgage Rates, Fees & Info

New Berlin, WI

LEI: 549300KY533JFETOYG46

Tax ID: 39-0203995

5 stars - Updated: 4/5/25 - out of 5 stars, based on 77 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Landmark Credit Union is a smaller credit union specializing in Home Purchase loans. Landmark Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Madison, Racine, Whitewater, and Beaver Dam among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Landmark Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Landmark Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.31% 4/5/25
    30 Year Conventional Purchase 6.77% 4/5/25
    30 Year Conventional Refi 6.41% 4/5/25
    30 Year Cash-out Refi 6.61% 4/5/25
    15 Year Conventional Purchase 6.39% 4/5/25
    15 Year Conventional Refi 6.68% 4/5/25
    15 Year Cash-out Refi 6.68% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Landmark Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Landmark Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    5,861

    Origination Dollar Volume (All Markets)

    $945,965,000
    Show all (12) awards

    Relative Rate

    Landmark Credit Union's average 30 year fixed mortgage rate was 6.66%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.11%.

    Relative Fees (Closing Costs)

    Landmark Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $2,281.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4,518 $649,200,000 $143,692 $1,607 7.47%
    MADISON, WI (FHA|USDA|VA) 93 $73,025,000 $785,215 $1,854 7.27%
    RACINE, WI (FHA|USDA|VA) 415 $52,065,000 $125,458 $1,614 7.59%
    Whitewater, WI (FHA|USDA|VA) 121 $30,205,000 $249,628 $1,424 7.58%
    Beaver Dam, WI (FHA|USDA|VA) 258 $24,580,000 $95,271 $1,569 7.61%
    Outside of Metro Areas 79 $18,405,000 $232,975 $2,212 6.99%
    Baraboo, WI (FHA|USDA|VA) 6 $14,950,000 $2,491,667 $2,225 6.91%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 72 $14,410,000 $200,139 $1,937 7.33%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 131 $13,905,000 $106,145 $1,513 7.61%
    FOND DU LAC, WI (FHA|USDA|VA) 39 $9,055,000 $232,179 $2,066 7.16%
    APPLETON, WI (FHA|USDA|VA) 11 $8,985,000 $816,818 $1,645 7.60%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 13 $8,605,000 $661,923 $1,951 7.19%
    SHEBOYGAN, WI (FHA|USDA|VA) 49 $7,445,000 $151,939 $2,020 7.21%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 16 $5,590,000 $349,375 $1,938 7.10%
    Clinton, IA (FHA|USDA|VA) 1 $4,025,000 $4,025,000 $0 6.39%
    Platteville, WI (FHA|USDA|VA) 1 $3,245,000 $3,245,000 $0 6.50%
    Shawano, WI (FHA|USDA|VA) 3 $2,355,000 $785,000 $0 7.27%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $2,135,000 $711,667 $2,158 8.19%
    GREEN BAY, WI (FHA|USDA|VA) 15 $1,905,000 $127,000 $1,338 7.57%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $615,000 $123,000 $2,573 7.15%
    Marinette, WI-MI (FHA|USDA|VA) 5 $405,000 $81,000 $2,337 7.29%
    Manitowoc, WI (FHA|USDA|VA) 2 $370,000 $185,000 $2,261 6.61%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $205,000 $205,000 $1,673 6.38%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $200,000 $100,000 $1,673 7.00%
    Stevens Point, WI (FHA|USDA|VA) 2 $80,000 $40,000 $0 7.38%
    Landmark Credit Union's top markets include Milwaukee, Madison, Racine, Whitewater, and Beaver Dam among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Landmark Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    N.E.W. Credit Union
    Similarity Rank: 15
    First Savings Bank of Hegewisch
    Similarity Rank: 36
    UNITEDONE Credit Union
    Similarity Rank: 42
    Glacier Hills Credit Union
    Similarity Rank: 49
    PCM
    Similarity Rank: 55
    Liberty Bank for Savings
    Similarity Rank: 79
    NORTHWESTERN MUTUAL
    Similarity Rank: 91
    CAPITAL Credit Union
    Similarity Rank: 112
    Heartland Credit Union (Madison)
    Similarity Rank: 204
    Westbury Bank
    Similarity Rank: 220

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 3,794 $351,050,000 $92,528 n/a 7.71%
    Conventional 2,067 $594,915,000 $287,816 $1,642 7.03%

    For 2024, Landmark Credit Union's most frequently originated type of loan was HELOC, with 3,794 originations. Their 2nd most popular type was Conventional, with 2,067 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 2,105 $157,435,000 $74,791 $38 7.77%
    Home Purchase 1,350 $483,540,000 $358,178 $2,301 6.77%
    Cash Out Refi 1,277 $176,865,000 $138,500 $1,504 7.58%
    Other 745 $57,005,000 $76,517 $192 7.98%
    Refi 384 $71,120,000 $185,208 $1,327 6.91%

    For 2024, Landmark Credit Union's most frequently cited loan purpose was Home Improvement, with 2,105 originations. The 2nd most popular reason was Home Purchase, with 1,350 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,933 $361,835,000 $92,000 $27 7.70%
    30 Year 1,189 $333,815,000 $280,753 $2,281 6.66%
    5 Year 271 $140,595,000 $518,801 $9 7.28%
    20 Year 163 $29,135,000 $178,742 $1,755 7.21%
    10 Year 156 $24,340,000 $156,026 $354 8.08%
    15 Year 139 $14,925,000 $107,374 $960 7.92%
    3 Year 10 $41,320,000 $4,132,000 $0 6.54%

    For 2024, Landmark Credit Union's most frequently cited loan duration was Other, with 3,933 originations. The 2nd most popular length was 30 Year, with 1,189 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,744 $352,480,000 $202,110
    $1k-2k 146 $33,720,000 $230,959
    $2k-3k 37 $11,355,000 $306,892
    $3k-4k 9 $2,185,000 $242,778
    $4k-5k 6 $1,950,000 $325,000
    $5k+ 1 $545,000 $545,000

    Landmark Credit Union's average total fees were $2,281, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,744 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 3,298 $341,190,000 $103,454
    6-7% 1,754 $493,170,000 $281,169
    Over 8% 608 $40,910,000 $67,286
    5-6% 200 $66,090,000 $330,450

    During 2024, Landmark Credit Union's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 7-8%, with 3,298 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,065 $162,515,000 $53,023 $408 7.80%
    $100k-200k 1,484 $197,130,000 $132,837 $1,989 7.32%
    $200k-400k 971 $264,715,000 $272,621 $2,240 6.91%
    $400k-600k 229 $107,725,000 $470,415 $2,383 6.79%
    $600k-1MM 58 $42,370,000 $730,517 $2,660 6.56%
    $1MM+ 54 $171,510,000 $3,176,111 $2,824 6.63%

    2024 saw Landmark Credit Union place emphasis on $100,000 or less loans with 3,065 originations, totaling $162,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,572 $204,410,000 $130,032 $1,599 7.51%
    $150k-250k 1,351 $213,355,000 $157,924 $1,570 7.51%
    $50k-75k 1,055 $103,295,000 $97,910 $1,759 7.37%
    $75k-100k 1,007 $114,405,000 $113,610 $1,608 7.53%
    $250k+ 366 $90,560,000 $247,432 $1,877 7.40%
    $50k or less 366 $26,090,000 $71,284 $1,615 7.54%

    Landmark Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,572 originations. The second most popular income band? $150k-250k, with 1,351 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,443 $160,585,000 $111,286 $1,508 7.45%
    30-36% 1,053 $137,935,000 $130,992 $1,580 7.49%
    <20% 642 $62,460,000 $97,290 $1,154 7.40%
    49% 273 $35,235,000 $129,066 $1,522 7.75%
    37% 217 $29,915,000 $137,857 $1,832 7.55%
    41% 195 $33,395,000 $171,256 $1,708 7.47%
    42% 177 $27,215,000 $153,757 $1,982 7.43%
    39% 174 $23,490,000 $135,000 $1,738 7.56%
    38% 174 $28,610,000 $164,425 $2,027 7.43%
    43% 173 $28,905,000 $167,081 $1,908 7.47%
    40% 170 $29,140,000 $171,412 $1,856 7.40%
    36% 164 $23,170,000 $141,280 $1,924 7.33%
    47% 158 $23,090,000 $146,139 $1,856 7.54%
    45% 151 $24,965,000 $165,331 $1,915 7.44%
    48% 147 $21,805,000 $148,333 $1,404 7.60%
    50-60% 141 $19,785,000 $140,319 $991 7.52%
    46% 137 $20,405,000 $148,942 $1,574 7.60%
    44% 137 $21,975,000 $160,401 $1,807 7.46%
    >60% 12 $1,970,000 $164,167 $0 7.44%

    Landmark Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,443 originations. The next most common DTI ratio? 30-36%, with 1,053 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,158 $669,970,000 $129,889 $1,623 7.47%
    Not applicable 121 $191,795,000 $1,585,083 $0 6.82%
    Not provided 230 $42,880,000 $186,435 $1,931 7.36%
    Black 182 $16,480,000 $90,549 $1,469 7.96%
    Asian 106 $16,280,000 $153,585 $1,838 7.49%
    American Indian 36 $4,110,000 $114,167 $1,477 7.73%
    Asian Indian 9 $2,185,000 $242,778 $2,078 7.11%
    Native Hawaiian or Islander 5 $815,000 $163,000 $3,940 7.58%
    Other Asian 8 $660,000 $82,500 $1,640 8.16%
    Filipino 1 $335,000 $335,000 $0 9.50%
    Other Pacific Islander 4 $280,000 $70,000 $0 7.84%
    1 $175,000 $175,000 $2,343 6.88%

    Approval Rates

    Total approvals of all applications
    81.05%

    Landmark Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.80%

    Landmark Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,861 $945,965,000 $161,400

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,861 $945,965,000 $161,400

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,640 $190,050,000 $115,884 $1,005 7.66%
    40-60% 515 $138,305,000 $268,553 $1,996 7.18%
    60-80% 672 $274,870,000 $409,033 $2,254 6.95%
    80-100% 691 $204,855,000 $296,462 $2,318 6.70%
    Under 20% 2,342 $133,280,000 $56,909 $82 7.77%