Shawano Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Shawano averaged
6.54%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.87% and
one month ago for the week of 2025-05-15, the
average rate was 6.84%.
Shawano's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Shawano 30 Year Fixed Rate | 2025-06-18 | 6.54% |
| Shawano 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Shawano 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Shawano 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Shawano 30 Year FHA | 2025-06-18 | -0.2% |
| Shawano 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Shawano 30 Year USDA | 2025-06-18 | 0.2% |
| Shawano 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Shawano 30 Year VA | 2025-06-18 | -0.1% |
| Shawano 30 Year VA Refi | 2025-06-18 | 0% |
Shawano 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 Shawano, 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.).
Shawano Average Closing Costs & Other Stats
Shawano, WI's 63 lenders originated 1,159
loans during 2024. The total origination value was $169,465,000, with an average loan value of
$146,217.
Shawano's average closing costs are $2,987.
The top Shawano lender as defined by loan originations is CoVantage Credit Union, with
103 loans originated. Their average total fees are
$3,405, which is $1,213
higher than the next largest lender,
CAPITAL Credit Union.
The lowest fee Shawano lenders (with over 10 loans originated) are
CAPITAL Credit Union ($2,192), FOX COMMUNITIES ($2,336), Associated Bank ($2,394), Bank First, N.A. ($2,403) and CoVantage Credit Union ($3,405).
The lowest rate Shawano lenders (with over 10 loans originated) are
CAPITAL Credit Union (6.33%), FOX COMMUNITIES (6.44%), Associated Bank (6.45%), GUILD MORTGAGE COMPANY (6.53%) and CoVantage Credit Union (6.61%).
Shawano, 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 |
|---|---|---|---|---|
| CoVantage Credit Union | $33,965,000 | $43,505,000 | 28.1% | 25.7% |
| FOX COMMUNITIES | $7,795,000 | $15,755,000 | 102.1% | 9.3% |
| CAPITAL Credit Union | $9,040,000 | $9,530,000 | 5.4% | 5.6% |
| Associated Bank | $5,680,000 | $7,300,000 | 28.5% | 4.3% |
| Johnson Bank | $3,375,000 | $5,165,000 | 53.0% | 3.0% |
| Community First Credit Union | $5,710,000 | $4,500,000 | -21.2% | 2.7% |
| Bank First, N.A. | $5,090,000 | $4,150,000 | -18.5% | 2.4% |
| QUICKEN LOANS, LLC | $2,560,000 | $3,880,000 | 51.6% | 2.3% |
| Nicolet National Bank | $4,175,000 | $3,795,000 | -9.1% | 2.2% |
| Premier Community Bank | $3,650,000 | $3,660,000 | 0.3% | 2.2% |
| GUILD MORTGAGE COMPANY | $2,850,000 | $3,440,000 | 20.7% | 2.0% |
| GreenStone Farm Credit Services, FLCA | $1,335,000 | $3,275,000 | 145.3% | 1.9% |
| Mortgage Research Center, LLC | $3,135,000 | $2,765,000 | -11.8% | 1.6% |
| Bay Bank | $2,495,000 | $2,585,000 | 3.6% | 1.5% |
| BMO Harris Bank | $2,060,000 | $2,400,000 | 16.5% | 1.4% |
| Landmark Credit Union | $1,675,000 | $2,355,000 | 40.6% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,225,000 | $2,245,000 | -30.4% | 1.3% |
| Summit Credit Union | $2,400,000 | $1,910,000 | -20.4% | 1.1% |
| GUARANTEED RATE, INC. | $1,730,000 | $1,715,000 | -0.9% | 1.0% |
| FIRST COLONY MORTGAGE CORPORATION | $1,680,000 | n/a | 1.0% | |
| Nations Lending Corporation | $1,580,000 | $1,665,000 | 5.4% | 1.0% |
| EDUCATORS CREDIT UNION | $80,000 | $1,525,000 | 1,806.3% | 0.9% |
| Waterstone Mortgage Corporation | $1,075,000 | $1,445,000 | 34.4% | 0.9% |
| University of Wisconsin Credit Union | $955,000 | $1,350,000 | 41.4% | 0.8% |
| North Shore Bank FSB | $1,885,000 | $1,305,000 | -30.8% | 0.8% |
| Ixonia Bank | $2,510,000 | $1,225,000 | -51.2% | 0.7% |
| U.S. Bank | $1,895,000 | $1,205,000 | -36.4% | 0.7% |
| CARDINAL FINANCIAL | $315,000 | $1,110,000 | 252.4% | 0.7% |
| Bank of Luxemburg | $535,000 | $1,075,000 | 100.9% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,015,000 | $1,045,000 | 3.0% | 0.6% |
| Horicon Bank | $550,000 | $1,025,000 | 86.4% | 0.6% |
| UNISON CREDIT UNION | $475,000 | $1,025,000 | 115.8% | 0.6% |
| LOANDEPOT.COM, LLC | $250,000 | $1,000,000 | 300.0% | 0.6% |
| BLC Community Bank | $715,000 | $995,000 | 39.2% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $1,435,000 | $970,000 | -32.4% | 0.6% |
| AbbyBank | $3,005,000 | $950,000 | -68.4% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $375,000 | $920,000 | 145.3% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $95,000 | $870,000 | 815.8% | 0.5% |
| Barrington Bank & Trust Company, N.A. | $2,015,000 | $800,000 | -60.3% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $85,000 | $800,000 | 841.2% | 0.5% |
| Cloverbelt Credit Union | $415,000 | $790,000 | 90.4% | 0.5% |
| Wolf River Community Bank | $360,000 | $735,000 | 104.2% | 0.4% |
| Flagstar Bank, FSB | $245,000 | $690,000 | 181.6% | 0.4% |
| Wells Fargo Bank | $595,000 | $690,000 | 16.0% | 0.4% |
| UNITEDONE Credit Union | $685,000 | n/a | 0.4% | |
| FREEDOM MORTGAGE CORPORATION | $330,000 | $680,000 | 106.1% | 0.4% |
| MICHIGAN MUTUAL, INC. | $240,000 | $675,000 | 181.3% | 0.4% |
| PCM | $865,000 | $675,000 | -22.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $650,000 | n/a | 0.4% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $175,000 | $620,000 | 254.3% | 0.4% |
| Peoples State Bank | $1,415,000 | $525,000 | -62.9% | 0.3% |
| Bank Five Nine | $125,000 | $505,000 | 304.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $175,000 | $490,000 | 180.0% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,440,000 | $470,000 | -67.4% | 0.3% |
| MARINE | $375,000 | $465,000 | 24.0% | 0.3% |
| UNION HOME MORTGAGE CORP. | $460,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $600,000 | $420,000 | -30.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $380,000 | $410,000 | 7.9% | 0.2% |
| Carrington Mortgage Services, LLC | $275,000 | $380,000 | 38.2% | 0.2% |
| POINT Mortgage | $380,000 | n/a | 0.2% | |
| Connexus Credit Union | $90,000 | $375,000 | 316.7% | 0.2% |
| N.E.W. Credit Union | $475,000 | $365,000 | -23.2% | 0.2% |
| USAA Federal Savings Bank | $145,000 | $360,000 | 148.3% | 0.2% |
| Wolfe Financial, Inc | $340,000 | n/a | 0.2% | |
| The Huntington National Bank | $365,000 | $335,000 | -8.2% | 0.2% |
| ZILLOW HOME LOANS, LLC | $290,000 | n/a | 0.2% | |
| Northpointe Bank | $285,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $300,000 | $275,000 | -8.3% | 0.2% |
| Coastal Community Bank | $270,000 | n/a | 0.2% | |
| Loan Simple, Inc. | $265,000 | n/a | 0.2% | |
| LOANPAL, LLC | $260,000 | n/a | 0.2% | |
| Home State Bank | $255,000 | n/a | 0.2% | |
| Oregon Community Bank | $255,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $175,000 | $235,000 | 34.3% | 0.1% |
| Old National Bank | $155,000 | $235,000 | 51.6% | 0.1% |
| NBKC BANK | $225,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $215,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $165,000 | $205,000 | 24.2% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $205,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | n/a | 0.1% | |
| National Exchange Bank and Trust | $45,000 | $200,000 | 344.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $75,000 | $200,000 | 166.7% | 0.1% |
| East Wisconsin Savings Bank | $410,000 | $195,000 | -52.4% | 0.1% |
| Greenleaf Wayside Bank | $440,000 | $185,000 | -58.0% | 0.1% |
| HOMESTEAD FUNDING CORP. | $145,000 | $175,000 | 20.7% | 0.1% |
| The Farmers Bank, Frankfort, Indiana | $175,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $1,810,000 | $175,000 | -90.3% | 0.1% |
| BROKER SOLUTIONS, INC. | $775,000 | $170,000 | -78.1% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $165,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $165,000 | n/a | 0.1% | |
| A + MORTGAGE SERVICES, INC. | $245,000 | $155,000 | -36.7% | 0.1% |
| ENVOY MORTGAGE, LTD | $155,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $195,000 | $155,000 | -20.5% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $175,000 | $145,000 | -17.1% | 0.1% |
| Discover Bank | $95,000 | $140,000 | 47.4% | 0.1% |
| First Federal Bank | $315,000 | $135,000 | -57.1% | 0.1% |
| NEWREZ LLC | $135,000 | $135,000 | 0.0% | 0.1% |
| Prevail Bank | $135,000 | n/a | 0.1% | |
| First National Bank of America | $125,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $125,000 | $120,000 | -4.0% | 0.1% |
| Bankers' Bank | $620,000 | $115,000 | -81.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $105,000 | n/a | 0.1% | |
| Laona State Bank | $100,000 | n/a | 0.1% | |
| The Stephenson National Bank and Trust | $105,000 | $95,000 | -9.5% | 0.1% |
| AgCountry Farm Credit Services, FLCA | $315,000 | $85,000 | -73.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $245,000 | $85,000 | -65.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $65,000 | n/a | 0.0% | |
| Brokaw Credit Union | $35,000 | $55,000 | 57.1% | 0.0% |
| Sheboygan Area Credit Union | $55,000 | n/a | 0.0% | |
| Valley Communities Credit Union | $55,000 | n/a | 0.0% | |
| Forward Bank | $45,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $285,000 | $45,000 | -84.2% | 0.0% |
| First American Bank | $35,000 | n/a | 0.0% |
Shawano's top lender by overall market share is CoVantage Credit Union, with 25.7% market share. In second place, with 9.3%, is FOX COMMUNITIES, having originated $15,755,000 in loans. In third place, with 5.6%, is CAPITAL Credit Union, having originated $9,530,000 in loans. In fourth place, with 4.3%, is Associated Bank, having originated $7,300,000 in loans. In fifth place, with 3.0%, is Johnson Bank, having originated $5,165,000 in loans.
Shawano, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 408 | $89,510,000 | $219,387 |
| Other | 275 | $25,645,000 | $93,255 |
| Refi | 232 | $24,950,000 | $107,543 |
| Cash Out Refi | 185 | $25,055,000 | $135,432 |
| Home Improvement | 59 | $4,305,000 | $72,966 |
Shawano's most frequently cited loan purpose was Home Purchase, with 408 originations. The 2nd most popular reason was Other, with 275 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 400 | $78,920,000 | $197,300 |
| 7-8% | 360 | $41,760,000 | $116,000 |
| Over 8% | 207 | $17,485,000 | $84,469 |
| 5-6% | 107 | $18,915,000 | $176,776 |
| <2.5% | 15 | $905,000 | $60,333 |
| 4-5% | 3 | $415,000 | $138,333 |
| 2.5-3% | 1 | $365,000 | $365,000 |
During 2024, Shawano's most frequently originated rate bucket was 6-7%, with 400 originations.
Loan Sizing (Shawano, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 566 | $27,060,000 | $47,809 |
| $100k-200k | 317 | $45,985,000 | $145,063 |
| $200k-400k | 221 | $57,945,000 | $262,195 |
| $400k-600k | 41 | $18,595,000 | $453,537 |
| $600k-1000k | 10 | $7,360,000 | $736,000 |
| $Over $1MM | 4 | $12,520,000 | $3,130,000 |
Shawano's loan sizing saw the bucket of loans from $100,000 or less with 566 originations, totaling $27,060,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 262 | $59,830,000 | $228,359 |
| Under 20% | 244 | $8,670,000 | $35,533 |
| 20-40% | 237 | $18,625,000 | $78,586 |
| 60-80% | 198 | $49,410,000 | $249,545 |
| 40-60% | 136 | $19,260,000 | $141,618 |
| Over 100% | 5 | $1,295,000 | $259,000 |
Shawano's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 262 originations, totaling $59,830,000 in origination value.