Stevens Point Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Stevens Point averaged
6.56%
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
6.69% and
one month ago for the week of 2025-05-15, the
average rate was 6.96%.
Stevens Point's average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.23%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Stevens Point 30 Year Fixed Rate | 2025-06-18 | 6.56% |
| Stevens Point 30 Year Fixed Rate Refi | 2025-06-18 | 7.23% |
| Stevens Point 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Stevens Point 15 Year Fixed Rate Refi | 2025-06-18 | 6.56% |
| Stevens Point 30 Year FHA | 2025-06-18 | 0.2% |
| Stevens Point 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Stevens Point 30 Year USDA | 2025-06-18 | 0.1% |
| Stevens Point 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Stevens Point 30 Year VA | 2025-06-18 | -0.1% |
| Stevens Point 30 Year VA Refi | 2025-06-18 | 0% |
Stevens Point 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 Stevens Point, 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.).
Stevens Point Average Closing Costs & Other Stats
Stevens Point, WI's 82 lenders originated 1,295
loans during 2024. The total origination value was $244,865,000, with an average loan value of
$189,085.
Stevens Point's average closing costs are $3,376.
The top Stevens Point lender as defined by loan originations is U.S. Bank, with
99 loans originated. Their average total fees are
$3,298, which is $499
lower than the next largest lender,
CoVantage Credit Union.
The lowest fee Stevens Point lenders (with over 10 loans originated) are
Associated Bank ($2,383), Bank First, N.A. ($2,460), First Federal Bank ($2,653), University of Wisconsin Credit Union ($2,935) and Summit Credit Union ($2,952).
The lowest rate Stevens Point lenders (with over 10 loans originated) are
University of Wisconsin Credit Union (6.44%), Summit Credit Union (6.47%), CoVantage Credit Union (6.53%), First Federal Bank (6.54%) and Associated Bank (6.57%).
Stevens Point, 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 |
|---|---|---|---|---|
| U.S. Bank | $27,020,000 | $33,810,000 | 25.1% | 13.8% |
| CoVantage Credit Union | $30,330,000 | $26,930,000 | -11.2% | 11.0% |
| Nicolet National Bank | $2,920,000 | $12,565,000 | 330.3% | 5.1% |
| North Shore Bank FSB | $12,920,000 | $12,190,000 | -5.7% | 5.0% |
| University of Wisconsin Credit Union | $14,225,000 | $11,985,000 | -15.7% | 4.9% |
| Associated Bank | $9,885,000 | $10,370,000 | 4.9% | 4.2% |
| Bank First, N.A. | $5,185,000 | $8,495,000 | 63.8% | 3.5% |
| Summit Credit Union | $4,480,000 | $7,215,000 | 61.0% | 2.9% |
| QUICKEN LOANS, LLC | $8,885,000 | $6,385,000 | -28.1% | 2.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,705,000 | $5,805,000 | 23.4% | 2.4% |
| BMO Harris Bank | $4,550,000 | $4,625,000 | 1.6% | 1.9% |
| First Federal Bank | $2,005,000 | $4,215,000 | 110.2% | 1.7% |
| Valley Communities Credit Union | $2,300,000 | $3,930,000 | 70.9% | 1.6% |
| Old National Bank | $4,040,000 | $3,605,000 | -10.8% | 1.5% |
| JPMorgan Chase Bank | $2,990,000 | $3,315,000 | 10.9% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $965,000 | $3,080,000 | 219.2% | 1.3% |
| WOODTRUST BANK | $1,530,000 | $3,030,000 | 98.0% | 1.2% |
| Mortgage Research Center, LLC | $2,750,000 | $2,955,000 | 7.5% | 1.2% |
| COMPEER FINANCIAL, FLCA | $2,650,000 | n/a | 1.1% | |
| GUILD MORTGAGE COMPANY | $2,505,000 | $2,465,000 | -1.6% | 1.0% |
| Community First Credit Union | $885,000 | $2,375,000 | 168.4% | 1.0% |
| Nations Lending Corporation | $1,095,000 | $2,230,000 | 103.7% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,280,000 | $1,875,000 | 46.5% | 0.8% |
| FIRST COLONY MORTGAGE CORPORATION | $1,825,000 | n/a | 0.7% | |
| Barrington Bank & Trust Company, N.A. | $1,520,000 | $1,750,000 | 15.1% | 0.7% |
| Waterstone Mortgage Corporation | $800,000 | $1,750,000 | 118.8% | 0.7% |
| IncredibleBank | $535,000 | $1,695,000 | 216.8% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $390,000 | $1,650,000 | 323.1% | 0.7% |
| Farmers & Merchants State Bank | $1,645,000 | n/a | 0.7% | |
| Prevail Bank | $3,185,000 | $1,610,000 | -49.5% | 0.7% |
| Peoples State Bank | $2,710,000 | $1,530,000 | -43.5% | 0.6% |
| State Bank of Cross Plains | $1,360,000 | n/a | 0.6% | |
| Cloverbelt Credit Union | $510,000 | $1,335,000 | 161.8% | 0.5% |
| BROKER SOLUTIONS, INC. | $615,000 | $1,185,000 | 92.7% | 0.5% |
| Connexus Credit Union | $1,665,000 | $1,095,000 | -34.2% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $125,000 | $1,085,000 | 768.0% | 0.4% |
| AgCountry Farm Credit Services, FLCA | $1,075,000 | $1,080,000 | 0.5% | 0.4% |
| Prosperity Home Mortgage, LLC | $345,000 | $1,060,000 | 207.2% | 0.4% |
| EVERETT FINANCIAL, INC. | $2,505,000 | $1,005,000 | -59.9% | 0.4% |
| Bank Five Nine | $990,000 | n/a | 0.4% | |
| Ixonia Bank | $975,000 | $990,000 | 1.5% | 0.4% |
| PNC Bank | $35,000 | $985,000 | 2,714.3% | 0.4% |
| Royal Credit Union | $505,000 | $900,000 | 78.2% | 0.4% |
| VERVE, A CREDIT UNION | $85,000 | $865,000 | 917.6% | 0.4% |
| Discover Bank | $85,000 | $760,000 | 794.1% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $225,000 | $710,000 | 215.6% | 0.3% |
| First National Bank of Omaha | $695,000 | n/a | 0.3% | |
| National Exchange Bank and Trust | $530,000 | $695,000 | 31.1% | 0.3% |
| Johnson Bank | $965,000 | $670,000 | -30.6% | 0.3% |
| LOANDEPOT.COM, LLC | $330,000 | $670,000 | 103.0% | 0.3% |
| Servion, Inc. | $770,000 | $660,000 | -14.3% | 0.3% |
| NexBank | $655,000 | n/a | 0.3% | |
| TOWNE MORTGAGE COMPANY | $745,000 | $635,000 | -14.8% | 0.3% |
| Plains Commerce Bank | $255,000 | $615,000 | 141.2% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $175,000 | $565,000 | 222.9% | 0.2% |
| V.I.P. MORTGAGE, INC. | $1,790,000 | $565,000 | -68.4% | 0.2% |
| West Pointe Bank | $555,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $115,000 | $550,000 | 378.3% | 0.2% |
| Kohler Credit Union | $485,000 | n/a | 0.2% | |
| NEWREZ LLC | $255,000 | $480,000 | 88.2% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $540,000 | $470,000 | -13.0% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $95,000 | $470,000 | 394.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $180,000 | $465,000 | 158.3% | 0.2% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $465,000 | n/a | 0.2% | |
| ALTRA | $195,000 | $460,000 | 135.9% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $460,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,125,000 | $450,000 | -60.0% | 0.2% |
| FOX COMMUNITIES | $735,000 | $445,000 | -39.5% | 0.2% |
| 21ST MORTGAGE CORPORATION | $145,000 | $440,000 | 203.4% | 0.2% |
| LIBERTY HOME MORTGAGE CORPORATION | $430,000 | n/a | 0.2% | |
| Figure Lending LLC | $230,000 | $425,000 | 84.8% | 0.2% |
| Bankers' Bank | $265,000 | $415,000 | 56.6% | 0.2% |
| Oregon Community Bank | $405,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $400,000 | $405,000 | 1.3% | 0.2% |
| PHH Mortgage Corporation | $390,000 | n/a | 0.2% | |
| The Huntington National Bank | $465,000 | $390,000 | -16.1% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $115,000 | $375,000 | 226.1% | 0.2% |
| A + MORTGAGE SERVICES, INC. | $365,000 | n/a | 0.1% | |
| POINT Mortgage | $365,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $205,000 | $360,000 | 75.6% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $195,000 | $345,000 | 76.9% | 0.1% |
| WISCONSIN MORTGAGE CORPORATION | $185,000 | $325,000 | 75.7% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $270,000 | $300,000 | 11.1% | 0.1% |
| GUARANTEED RATE, INC. | $325,000 | $300,000 | -7.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $700,000 | $295,000 | -57.9% | 0.1% |
| Service Federal Credit Union | $275,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $265,000 | n/a | 0.1% | |
| Merchants Bank | $265,000 | n/a | 0.1% | |
| THOMPSON KANE & COMPANY, LLC | $265,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $415,000 | $255,000 | -38.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $490,000 | $245,000 | -50.0% | 0.1% |
| MLD MORTGAGE INC. | $245,000 | n/a | 0.1% | |
| AbbyBank | $235,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $105,000 | $225,000 | 114.3% | 0.1% |
| Hiawatha National Bank | $225,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $225,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $90,000 | $225,000 | 150.0% | 0.1% |
| FIRST STATE MORTGAGE SERVICES, LLC | $215,000 | n/a | 0.1% | |
| Horicon Bank | $295,000 | $215,000 | -27.1% | 0.1% |
| Park City Credit Union | $215,000 | n/a | 0.1% | |
| CHARTER WEST BANK | $205,000 | n/a | 0.1% | |
| FORTE BANK | $360,000 | $205,000 | -43.1% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $205,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $265,000 | $205,000 | -22.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $195,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $125,000 | $195,000 | 56.0% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $215,000 | $195,000 | -9.3% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $195,000 | n/a | 0.1% | |
| EMM LOANS LLC | $185,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $185,000 | n/a | 0.1% | |
| Alerus Financial | $175,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $175,000 | n/a | 0.1% | |
| OCEANSIDE MORTGAGE COMPANY | $155,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $145,000 | $145,000 | 0.0% | 0.1% |
| MARINE | $45,000 | $145,000 | 222.2% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $135,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $135,000 | n/a | 0.1% | |
| Citizens Bank | $125,000 | n/a | 0.1% | |
| Wells Fargo Bank | $145,000 | $125,000 | -13.8% | 0.1% |
| Westbury Bank | $125,000 | n/a | 0.1% | |
| Forward Bank | $925,000 | $120,000 | -87.0% | 0.0% |
| Bank of Deerfield | $115,000 | n/a | 0.0% | |
| Intercity State Bank | $700,000 | $105,000 | -85.0% | 0.0% |
| Landmark Credit Union | $335,000 | $80,000 | -76.1% | 0.0% |
| UNITEDONE Credit Union | $75,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $65,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $35,000 | $55,000 | 57.1% | 0.0% |
| ADVIA | $45,000 | n/a | 0.0% | |
| Coastal Community Bank | $40,000 | $45,000 | 12.5% | 0.0% |
| EDUCATORS CREDIT UNION | $445,000 | $35,000 | -92.1% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $35,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $25,000 | n/a | 0.0% |
Stevens Point's top lender by overall market share is U.S. Bank, with 13.8% market share. In second place, with 11.0%, is CoVantage Credit Union, having originated $26,930,000 in loans. In third place, with 5.1%, is Nicolet National Bank, having originated $12,565,000 in loans. In fourth place, with 5.0%, is North Shore Bank FSB, having originated $12,190,000 in loans. In fifth place, with 4.9%, is University of Wisconsin Credit Union, having originated $11,985,000 in loans.
Stevens Point, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 587 | $166,095,000 | $282,956 |
| Other | 258 | $18,250,000 | $70,736 |
| Refi | 199 | $31,285,000 | $157,211 |
| Cash Out Refi | 150 | $21,760,000 | $145,067 |
| Home Improvement | 101 | $7,475,000 | $74,010 |
Stevens Point's most frequently cited loan purpose was Home Purchase, with 587 originations. The 2nd most popular reason was Other, with 258 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 503 | $122,915,000 | $244,364 |
| 7-8% | 314 | $53,930,000 | $171,752 |
| Over 8% | 235 | $23,565,000 | $100,277 |
| 5-6% | 141 | $30,315,000 | $215,000 |
| <2.5% | 72 | $4,930,000 | $68,472 |
| 4-5% | 6 | $990,000 | $165,000 |
| 3-4% | 3 | $435,000 | $145,000 |
| 2.5-3% | 1 | $355,000 | $355,000 |
During 2024, Stevens Point's most frequently originated rate bucket was 6-7%, with 503 originations.
Loan Sizing (Stevens Point, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 483 | $24,655,000 | $51,046 |
| $200k-400k | 397 | $107,315,000 | $270,315 |
| $100k-200k | 340 | $50,650,000 | $148,971 |
| $400k-600k | 53 | $25,175,000 | $475,000 |
| $600k-1000k | 16 | $11,850,000 | $740,625 |
| $Over $1MM | 6 | $25,220,000 | $4,203,333 |
Stevens Point's loan sizing saw the bucket of loans from $100,000 or less with 483 originations, totaling $24,655,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 372 | $98,270,000 | $264,167 |
| Under 20% | 260 | $10,950,000 | $42,115 |
| 60-80% | 251 | $82,075,000 | $326,992 |
| 20-40% | 243 | $22,195,000 | $91,337 |
| 40-60% | 128 | $20,550,000 | $160,547 |
| Over 100% | 1 | $265,000 | $265,000 |
Stevens Point's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 372 originations, totaling $98,270,000 in origination value.