SHEBOYGAN Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sheboygan averaged
6.72%
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
7.05% and
one month ago for the week of 2025-05-15, the
average rate was 6.82%.
Sheboygan's average rate one year ago was 7.06%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.04%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Sheboygan 30 Year Fixed Rate | 2025-06-18 | 6.72% |
| Sheboygan 30 Year Fixed Rate Refi | 2025-06-18 | 7.04% |
| Sheboygan 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Sheboygan 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Sheboygan 30 Year FHA | 2025-06-18 | 0.29% |
| Sheboygan 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Sheboygan 30 Year USDA | 2025-06-18 | 0.1% |
| Sheboygan 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Sheboygan 30 Year VA | 2025-06-18 | -0.2% |
| Sheboygan 30 Year VA Refi | 2025-06-18 | -0.2% |
SHEBOYGAN 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 SHEBOYGAN, 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.).
SHEBOYGAN Average Closing Costs & Other Stats
SHEBOYGAN, WI's 122 lenders originated 2,667
loans during 2024. The total origination value was $522,265,000, with an average loan value of
$195,825.
SHEBOYGAN's average closing costs are $3,285.
The top SHEBOYGAN lender as defined by loan originations is Bank First, N.A., with
110 loans originated. Their average total fees are
$2,616, which is $328
lower than the next largest lender,
Kohler Credit Union.
The lowest fee SHEBOYGAN lenders (with over 10 loans originated) are
UNITEDONE Credit Union ($1,639), National Exchange Bank and Trust ($1,994), Johnson Bank ($2,145), Associated Bank ($2,293) and Landmark Credit Union ($2,297).
The lowest rate SHEBOYGAN lenders (with over 10 loans originated) are
National Exchange Bank and Trust (6.26%), UNITEDONE Credit Union (6.38%), Associated Bank (6.44%), Kohler Credit Union (6.56%) and Bank First, N.A. (6.60%).
SHEBOYGAN, 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 |
|---|---|---|---|---|
| Bank First, N.A. | $67,740,000 | $48,180,000 | -28.9% | 9.2% |
| Kohler Credit Union | $31,220,000 | $38,415,000 | 23.0% | 7.4% |
| IncredibleBank | $23,610,000 | n/a | 4.5% | |
| Bridgewater Bank | $23,505,000 | n/a | 4.5% | |
| Oostburg State Bank | $15,030,000 | $21,495,000 | 43.0% | 4.1% |
| QUICKEN LOANS, LLC | $12,050,000 | $19,575,000 | 62.4% | 3.7% |
| GUILD MORTGAGE COMPANY | $8,055,000 | $16,660,000 | 106.8% | 3.2% |
| U.S. Bank | $15,405,000 | $16,070,000 | 4.3% | 3.1% |
| Associated Bank | $8,795,000 | $12,890,000 | 46.6% | 2.5% |
| Johnson Bank | $8,815,000 | $12,455,000 | 41.3% | 2.4% |
| Summit Credit Union | $12,640,000 | $12,355,000 | -2.3% | 2.4% |
| BMO Harris Bank | $6,325,000 | $12,000,000 | 89.7% | 2.3% |
| National Exchange Bank and Trust | $11,095,000 | $10,515,000 | -5.2% | 2.0% |
| CIBM Bank | $9,025,000 | $10,135,000 | 12.3% | 1.9% |
| Waldo State Bank | $10,945,000 | $10,025,000 | -8.4% | 1.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | $8,220,000 | n/a | 1.6% | |
| UNITEDONE Credit Union | $7,870,000 | $7,875,000 | 0.1% | 1.5% |
| Cleveland State Bank | $9,475,000 | $7,490,000 | -20.9% | 1.4% |
| Landmark Credit Union | $17,730,000 | $7,445,000 | -58.0% | 1.4% |
| Mortgage Research Center, LLC | $4,845,000 | $7,355,000 | 51.8% | 1.4% |
| UNION HOME MORTGAGE CORP. | $6,925,000 | $7,035,000 | 1.6% | 1.3% |
| Collins State Bank | $3,575,000 | $7,000,000 | 95.8% | 1.3% |
| BROKER SOLUTIONS, INC. | $6,420,000 | $6,925,000 | 7.9% | 1.3% |
| CoVantage Credit Union | $1,765,000 | $6,900,000 | 290.9% | 1.3% |
| Bell Bank | $8,015,000 | $6,245,000 | -22.1% | 1.2% |
| University of Wisconsin Credit Union | $2,750,000 | $5,835,000 | 112.2% | 1.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,320,000 | $5,435,000 | -25.8% | 1.0% |
| The Port Washington State Bank | $6,460,000 | $4,970,000 | -23.1% | 1.0% |
| NEWREZ LLC | $2,605,000 | $4,760,000 | 82.7% | 0.9% |
| Sheboygan Area Credit Union | $3,180,000 | $4,035,000 | 26.9% | 0.8% |
| Bankers' Bank | $3,050,000 | $3,725,000 | 22.1% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,035,000 | $3,715,000 | -7.9% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $990,000 | $3,615,000 | 265.2% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $1,200,000 | $3,535,000 | 194.6% | 0.7% |
| COMPEER FINANCIAL, FLCA | $1,360,000 | $3,410,000 | 150.7% | 0.7% |
| Wells Fargo Bank | $2,385,000 | $3,330,000 | 39.6% | 0.6% |
| Hiawatha National Bank | $490,000 | $3,305,000 | 574.5% | 0.6% |
| Bank Five Nine | $2,165,000 | $3,100,000 | 43.2% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $1,660,000 | $2,965,000 | 78.6% | 0.6% |
| Servion, Inc. | $1,710,000 | $2,905,000 | 69.9% | 0.6% |
| FIRST COLONY MORTGAGE CORPORATION | $2,715,000 | n/a | 0.5% | |
| Flagstar Bank, FSB | $1,065,000 | $2,620,000 | 146.0% | 0.5% |
| First Federal Bank | $1,110,000 | $2,470,000 | 122.5% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,455,000 | $2,460,000 | 69.1% | 0.5% |
| ENVOY MORTGAGE, LTD | $9,280,000 | $2,420,000 | -73.9% | 0.5% |
| MARINE | $3,555,000 | $2,165,000 | -39.1% | 0.4% |
| LOANDEPOT.COM, LLC | $1,085,000 | $2,130,000 | 96.3% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,420,000 | $2,130,000 | 50.0% | 0.4% |
| CARDINAL FINANCIAL | $1,135,000 | $2,125,000 | 87.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $240,000 | $2,010,000 | 737.5% | 0.4% |
| Morgan Stanley Private Bank | $1,270,000 | $1,860,000 | 46.5% | 0.4% |
| FOX COMMUNITIES | $1,170,000 | $1,765,000 | 50.9% | 0.3% |
| Waterstone Mortgage Corporation | $605,000 | $1,610,000 | 166.1% | 0.3% |
| Old National Bank | $1,560,000 | $1,485,000 | -4.8% | 0.3% |
| WISCONSIN MORTGAGE CORPORATION | $2,200,000 | $1,475,000 | -33.0% | 0.3% |
| Baxter Credit Union | $1,445,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $2,650,000 | $1,385,000 | -47.7% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $470,000 | $1,325,000 | 181.9% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $400,000 | $1,305,000 | 226.3% | 0.2% |
| THOMPSON KANE & COMPANY, LLC | $795,000 | $1,300,000 | 63.5% | 0.2% |
| GUARANTEED RATE, INC. | $1,060,000 | $1,290,000 | 21.7% | 0.2% |
| CMG MORTGAGE, INC. | $1,315,000 | $1,120,000 | -14.8% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $175,000 | $1,095,000 | 525.7% | 0.2% |
| Prosperity Home Mortgage, LLC | $1,305,000 | $1,070,000 | -18.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $930,000 | $995,000 | 7.0% | 0.2% |
| TOWNE MORTGAGE COMPANY | $1,335,000 | $985,000 | -26.2% | 0.2% |
| Community First Credit Union | $2,390,000 | $960,000 | -59.8% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $955,000 | n/a | 0.2% | |
| Nations Lending Corporation | $145,000 | $955,000 | 558.6% | 0.2% |
| The Federal Savings Bank | $405,000 | $905,000 | 123.5% | 0.2% |
| CAPITAL Credit Union | $405,000 | $895,000 | 121.0% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $365,000 | $895,000 | 145.2% | 0.2% |
| Horicon Bank | $1,875,000 | $895,000 | -52.3% | 0.2% |
| EDUCATORS CREDIT UNION | $1,390,000 | $880,000 | -36.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $230,000 | $875,000 | 280.4% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $1,380,000 | $865,000 | -37.3% | 0.2% |
| LAKE MICHIGAN CREDIT UNION | $865,000 | n/a | 0.2% | |
| The Huntington National Bank | $495,000 | $865,000 | 74.7% | 0.2% |
| PLANET HOME LENDING, LLC | $1,000,000 | $860,000 | -14.0% | 0.2% |
| Waukesha State Bank | $95,000 | $860,000 | 805.3% | 0.2% |
| Bank of America | $660,000 | $850,000 | 28.8% | 0.2% |
| Nicolet National Bank | $885,000 | $845,000 | -4.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $470,000 | $830,000 | 76.6% | 0.2% |
| AmeriHome Mortgage Company, LLC | $175,000 | $810,000 | 362.9% | 0.2% |
| Ameris Bank | $800,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $670,000 | $800,000 | 19.4% | 0.2% |
| CONSUMERS COOPERATIVE CREDIT UNION | $105,000 | $780,000 | 642.9% | 0.1% |
| A + MORTGAGE SERVICES, INC. | $1,185,000 | $750,000 | -36.7% | 0.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,980,000 | $750,000 | -62.1% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $310,000 | $735,000 | 137.1% | 0.1% |
| Discover Bank | $355,000 | $735,000 | 107.0% | 0.1% |
| Bank of England | $1,035,000 | $725,000 | -30.0% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $720,000 | n/a | 0.1% | |
| Ally Bank | $385,000 | $695,000 | 80.5% | 0.1% |
| Wolf River Community Bank | $1,540,000 | $670,000 | -56.5% | 0.1% |
| Pinnacle Bank | $665,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $205,000 | $645,000 | 214.6% | 0.1% |
| The Equitable Bank, S.S.B. | $195,000 | $635,000 | 225.6% | 0.1% |
| Ixonia Bank | $605,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $425,000 | $600,000 | 41.2% | 0.1% |
| NEXERA HOLDING LLC | $600,000 | n/a | 0.1% | |
| Oak Bank | $585,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $250,000 | $525,000 | 110.0% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,410,000 | $505,000 | -64.2% | 0.1% |
| WNB Financial, N.A. | $485,000 | n/a | 0.1% | |
| North Shore Bank FSB | $1,130,000 | $480,000 | -57.5% | 0.1% |
| State Bank of Chilton | $480,000 | n/a | 0.1% | |
| Royal Credit Union | $450,000 | $475,000 | 5.6% | 0.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | $155,000 | $470,000 | 203.2% | 0.1% |
| PNC Bank | $660,000 | $470,000 | -28.8% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $470,000 | n/a | 0.1% | |
| NexBank | $225,000 | $460,000 | 104.4% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $1,020,000 | $455,000 | -55.4% | 0.1% |
| Figure Lending LLC | $765,000 | $445,000 | -41.8% | 0.1% |
| GATEWAY MORTGAGE CORPORATION | $445,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $440,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $115,000 | $435,000 | 278.3% | 0.1% |
| PyraMax Bank, FSB | $430,000 | n/a | 0.1% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $415,000 | n/a | 0.1% | |
| INTERSTATE HOME LOAN CENTER, INC. | $415,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $410,000 | n/a | 0.1% | |
| MORTGAGE ACCESS CORP. | $405,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $175,000 | $390,000 | 122.9% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $310,000 | $390,000 | 25.8% | 0.1% |
| USAA Federal Savings Bank | $990,000 | $385,000 | -61.1% | 0.1% |
| First-Citizens Bank & Trust Company | $575,000 | $375,000 | -34.8% | 0.1% |
| DUPACO COMMUNITY | $390,000 | $360,000 | -7.7% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $350,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $345,000 | n/a | 0.1% | |
| NORWICH COMMERCIAL GROUP, INC. | $345,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $340,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $375,000 | $335,000 | -10.7% | 0.1% |
| LIMA ONE CAPITAL, LLC | $250,000 | $330,000 | 32.0% | 0.1% |
| THRIVENT Federal Credit Union | $90,000 | $325,000 | 261.1% | 0.1% |
| NBKC BANK | $310,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $310,000 | 169.6% | 0.1% |
| Citizens State Bank | $300,000 | n/a | 0.1% | |
| The Central Trust Bank | $295,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $145,000 | $285,000 | 96.6% | 0.1% |
| S1L, Inc. | $285,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $275,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $275,000 | n/a | 0.1% | |
| Citizens Bank | $270,000 | n/a | 0.1% | |
| LOANPAL, LLC | $270,000 | n/a | 0.1% | |
| First Western Trust Bank | $265,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $760,000 | $260,000 | -65.8% | 0.0% |
| Northwest Federal Credit Union | $255,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | $255,000 | 24.4% | 0.0% |
| OCMBC, INC. | $250,000 | n/a | 0.0% | |
| Magnolia Bank | $235,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $65,000 | $230,000 | 253.8% | 0.0% |
| NORTHWESTERN MUTUAL | $455,000 | $225,000 | -50.5% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $215,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| PRIME FINANCIAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| Coastal Community Bank | $100,000 | $205,000 | 105.0% | 0.0% |
| Cornerstone First Mortgage, Inc | $205,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $195,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $195,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $195,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $195,000 | n/a | 0.0% | |
| West Pointe Bank | $195,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $190,000 | n/a | 0.0% | |
| Bristol Morgan Bank | $185,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $305,000 | $185,000 | -39.3% | 0.0% |
| Peoples Bank | $185,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $165,000 | $165,000 | 0.0% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $155,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $185,000 | $155,000 | -16.2% | 0.0% |
| Summit Mortgage Corporation | $150,000 | n/a | 0.0% | |
| Northwestern Bank | $145,000 | n/a | 0.0% | |
| PCM | $95,000 | $140,000 | 47.4% | 0.0% |
| Bethpage Federal Credit Union | $75,000 | $125,000 | 66.7% | 0.0% |
| LENDINGONE, LLC | $125,000 | n/a | 0.0% | |
| Security Financial Bank | $125,000 | n/a | 0.0% | |
| University Bank | $125,000 | n/a | 0.0% | |
| Peoples State Bank | $280,000 | $115,000 | -58.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $105,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $95,000 | n/a | 0.0% | |
| The Bank of New Glarus | $195,000 | $95,000 | -51.3% | 0.0% |
| Great Midwest Bank, S.S.B. | $115,000 | $85,000 | -26.1% | 0.0% |
| Republic Bank of Chicago | $85,000 | n/a | 0.0% | |
| Tri City National Bank | $595,000 | $85,000 | -85.7% | 0.0% |
| 21ST MORTGAGE CORPORATION | $145,000 | $75,000 | -48.3% | 0.0% |
| Connexus Credit Union | $75,000 | n/a | 0.0% | |
| Glacier Hills Credit Union | $735,000 | $75,000 | -89.8% | 0.0% |
| NFM, INC. | $75,000 | n/a | 0.0% | |
| VERVE, A CREDIT UNION | $435,000 | $45,000 | -89.7% | 0.0% |
| WINNEBAGO COMMUNITY | $35,000 | n/a | 0.0% |
SHEBOYGAN's top lender by overall market share is Bank First, N.A., with 9.2% market share. In second place, with 7.4%, is Kohler Credit Union, having originated $38,415,000 in loans. In third place, with 4.5%, is IncredibleBank, having originated $23,610,000 in loans. In fourth place, with 4.5%, is Bridgewater Bank, having originated $23,505,000 in loans. In fifth place, with 4.1%, is Oostburg State Bank, having originated $21,495,000 in loans.
SHEBOYGAN, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,249 | $304,545,000 | $243,831 |
| Home Improvement | 420 | $31,720,000 | $75,524 |
| Refi | 383 | $113,215,000 | $295,601 |
| Cash Out Refi | 341 | $52,475,000 | $153,886 |
| Other | 274 | $20,310,000 | $74,124 |
Sheboygan's most frequently cited loan purpose was Home Purchase, with 1,249 originations. The 2nd most popular reason was Home Improvement, with 420 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 917 | $204,565,000 | $223,081 |
| Over 8% | 578 | $51,890,000 | $89,775 |
| 7-8% | 492 | $121,620,000 | $247,195 |
| 5-6% | 239 | $50,695,000 | $212,113 |
| <2.5% | 58 | $4,100,000 | $70,690 |
| 4-5% | 16 | $3,280,000 | $205,000 |
| 2.5-3% | 9 | $755,000 | $83,889 |
| 3-4% | 4 | $420,000 | $105,000 |
During 2024, Sheboygan's most frequently originated rate bucket was 6-7%, with 917 originations.
Loan Sizing (SHEBOYGAN, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 898 | $46,940,000 | $52,272 |
| $200k-400k | 814 | $218,990,000 | $269,029 |
| $100k-200k | 804 | $119,000,000 | $148,010 |
| $400k-600k | 113 | $52,805,000 | $467,301 |
| $600k-1000k | 26 | $18,820,000 | $723,846 |
| $Over $1MM | 12 | $65,710,000 | $5,475,833 |
SHEBOYGAN's loan sizing saw the bucket of loans from $100,000 or less with 898 originations, totaling $46,940,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 720 | $212,880,000 | $295,667 |
| 60-80% | 452 | $107,030,000 | $236,792 |
| Under 20% | 441 | $19,705,000 | $44,683 |
| 20-40% | 404 | $36,880,000 | $91,287 |
| 40-60% | 255 | $51,385,000 | $201,510 |
| Over 100% | 12 | $3,500,000 | $291,667 |
SHEBOYGAN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 720 originations, totaling $212,880,000 in origination value.