Johnson Bank Mortgage Rates, Fees & Info
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Mortgage Data
Review & Overview
Johnson Bank is a small bank specializing in Home Purchase loans. Johnson Bank has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Madison, Green Bay, Racine, and Chicago among others. We have data for 86 markets. (Some data included below & more in-depth data is available with an active subscription.)Johnson Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Johnson Bank 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.44% | 4/5/25 |
| 30 Year Conventional Purchase | 6.73% | 4/5/25 |
| 30 Year Conventional Refi | 6.60% | 4/5/25 |
| 30 Year Cash-out Refi | 6.88% | 4/5/25 |
| 30 Year VA Purchase | 6.39% | 4/5/25 |
| 30 Year VA Refi | 6.72% | 4/5/25 |
| 30 Year USDA Purchase | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 6.06% | 4/5/25 |
| 15 Year Conventional Refi | 5.90% | 4/5/25 |
| 15 Year Cash-out Refi | 5.90% | 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. | ||
Johnson Bank Mortgage Calculator
Your Estimates
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This is not an official calculator from Johnson Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,154Origination Dollar Volume (All Markets)
$1,011,990,000Awards
Johnson Bank - 2024
Johnson Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Johnson Bank's average 30 year fixed mortgage rate was
6.57%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.02%.
Relative Fees (Closing Costs)
Johnson Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,402.
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) | 742 | $270,510,000 | $364,569 | $2,330 | 7.15% |
| MADISON, WI (FHA|USDA|VA) | 280 | $101,670,000 | $363,107 | $2,448 | 6.99% |
| Outside of Metro Areas | 296 | $92,730,000 | $313,277 | $2,392 | 7.19% |
| GREEN BAY, WI (FHA|USDA|VA) | 299 | $88,945,000 | $297,475 | $2,603 | 7.45% |
| RACINE, WI (FHA|USDA|VA) | 326 | $81,820,000 | $250,982 | $2,391 | 7.29% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 284 | $79,930,000 | $281,444 | $2,833 | 7.29% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 344 | $78,070,000 | $226,948 | $2,425 | 7.14% |
| APPLETON, WI (FHA|USDA|VA) | 108 | $27,140,000 | $251,296 | $2,109 | 7.32% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 6 | $26,040,000 | $4,340,000 | $2,690 | 7.04% |
| Whitewater, WI (FHA|USDA|VA) | 52 | $15,490,000 | $297,885 | $2,810 | 7.42% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 70 | $14,720,000 | $210,286 | $2,291 | 7.28% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 22 | $13,820,000 | $628,182 | $3,373 | 6.65% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 51 | $12,455,000 | $244,216 | $2,290 | 7.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $10,405,000 | $3,468,333 | $2,057 | 6.49% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $9,230,000 | $2,307,500 | $2,249 | 7.19% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 36 | $8,680,000 | $241,111 | $1,907 | 7.30% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 13 | $5,355,000 | $411,923 | $3,080 | 6.98% |
| Shawano, WI (FHA|USDA|VA) | 15 | $5,165,000 | $344,333 | $2,877 | 7.32% |
| Beaver Dam, WI (FHA|USDA|VA) | 14 | $4,470,000 | $319,286 | $2,427 | 6.92% |
| Manitowoc, WI (FHA|USDA|VA) | 18 | $4,290,000 | $238,333 | $2,772 | 7.65% |
| Marinette, WI-MI (FHA|USDA|VA) | 17 | $4,035,000 | $237,353 | $2,769 | 7.30% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 9 | $3,935,000 | $437,222 | $2,997 | 6.94% |
| ROCKFORD, IL (FHA|USDA|VA) | 17 | $3,655,000 | $215,000 | $2,911 | 6.97% |
| FOND DU LAC, WI (FHA|USDA|VA) | 12 | $3,000,000 | $250,000 | $2,283 | 7.37% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $2,785,000 | $2,785,000 | $0 | 6.89% |
| Baraboo, WI (FHA|USDA|VA) | 7 | $2,665,000 | $380,714 | $2,980 | 6.84% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $2,580,000 | $645,000 | $2,694 | 6.74% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $3,090 | 7.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $2,195,000 | $313,571 | $5,615 | 7.33% |
| DULUTH, MN-WI (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $3,290 | 6.48% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $2,026 | 7.11% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 8.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,615,000 | $538,333 | $4,388 | 6.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $4,836 | 6.97% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $2,832 | 6.28% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $3,654 | 6.44% |
| Hudson, NY (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $0 | 6.27% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 8.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $3,475 | 6.98% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $2,857 | 6.58% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $2,345 | 6.40% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,886 | 6.70% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $11,895 | 5.65% |
| Menomonie, WI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,004 | 7.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,440 | 6.35% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,577 | 5.93% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $2,864 | 6.05% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,880 | 6.68% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,610 | 6.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 8.25% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,789 | 6.70% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,184 | 7.35% |
| Montrose, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,838 | 6.05% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,416 | 6.90% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,589 | 6.50% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,267 | 6.40% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,516 | 6.40% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,843 | 6.15% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,099 | 6.15% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,843 | 6.85% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,466 | 6.70% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,736 | 6.20% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,022 | 6.95% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,178 | 6.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,459 | 6.45% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,304 | 6.65% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,139 | 5.90% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 7.58% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,475 | 6.35% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,360 | 8.05% |
| Freeport, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,012 | 5.60% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,834 | 7.35% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,610 | 6.40% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,601 | 5.70% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,896 | 5.85% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.25% |
| Marquette, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,517 | 5.65% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,466 | 5.85% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,025 | 6.65% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.05% |
| Dixon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $384 | 8.54% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,695 | 6.10% |
| Mason City, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,120 | 6.55% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.50% |
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Product Mix
For 2024, Johnson Bank's most frequently originated type of loan was Conventional, with 2,020 originations. Their 2nd most popular type was HELOC, with 1,120 originations.
Loan Reason
For 2024, Johnson Bank's most frequently cited loan purpose was Home Purchase, with 1,705 originations. The 2nd most popular reason was Other, with 514 originations.
Loan Duration/Length
For 2024, Johnson Bank's most frequently cited loan duration was 30 Year, with 1,565 originations. The 2nd most popular length was 1 Year, with 1,126 originations.
Origination Fees/Closing Costs
Johnson Bank's average total fees were $2,402, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,651 originations.
Interest Rates
During 2024, Johnson Bank's average interest rate for loans was 6.57%, while their most frequently originated rate bucket for loans was 6-7%, with 1,324 originations.
Loan Sizing
2024 saw Johnson Bank place emphasis on $200k-400k loans with 1,169 originations, totaling $327,185,000 in origination value.
Applicant Income
Johnson Bank lent most frequently to those with incomes in the $150k-250k range, with 763 originations. The second most popular income band? $100k-150k, with 671 originations.
Applicant Debt to Income Ratio
Johnson Bank lent most frequently to those with DTI ratios of 20-30%, with 676 originations. The next most common DTI ratio? 30-36%, with 508 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.92%
Johnson Bank has an average approval rate.
Pick Rate
Approvals leading to origination88.05%
Johnson Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,154 | $1,011,990,000 | $320,859 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,154 | $1,011,990,000 | $320,859 |