Wisconsin Rapids - Marshfield Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Wisconsin Rapids - Marshfield averaged 6.85% 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 6.68% and one month ago for the week of 2025-05-15, the average rate was 6.65%.

Wisconsin Rapids - Marshfield's average rate one year ago was 6.79%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.81%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Wisconsin Rapids - Marshfield 30 Year Fixed Rate 2025-06-18 6.85%
Wisconsin Rapids - Marshfield 30 Year Fixed Rate Refi 2025-06-18 6.81%
Wisconsin Rapids - Marshfield 15 Year Fixed Rate 2025-06-18 6.16%
Wisconsin Rapids - Marshfield 15 Year Fixed Rate Refi 2025-06-18 6.26%
Wisconsin Rapids - Marshfield 30 Year FHA 2025-06-18 0.19%
Wisconsin Rapids - Marshfield 30 Year FHA Refi 2025-06-18 0.1%
Wisconsin Rapids - Marshfield 30 Year USDA 2025-06-18 0.2%
Wisconsin Rapids - Marshfield 30 Year USDA Refi 2025-06-18 0%
Wisconsin Rapids - Marshfield 30 Year VA 2025-06-18 0.2%
Wisconsin Rapids - Marshfield 30 Year VA Refi 2025-06-18 -0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wisconsin Rapids-Marshfield, WI.

Wisconsin Rapids - Marshfield 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 Wisconsin Rapids-Marshfield, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
U.S. Bank 46 6.62% $3,149
Forward Bank 32 7.02% $2,493
Associated Bank 28 6.33% $2,288
QUICKEN LOANS, LLC 27 6.89% $6,032
CoVantage Credit Union 17 6.41% $3,160
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.47% $5,546
First Federal Bank 15 6.60% $2,749
Nations Lending Corporation 15 6.69% $2,724
University of Wisconsin Credit Union 13 6.65% $2,441
Connexus Credit Union 9 6.40% $2,285
Bank First, N.A. 9 7.14% $2,606
Summit Credit Union 8 6.64% $2,497
Prosperity Home Mortgage, LLC 8 6.66% $4,724
JPMorgan Chase Bank 7 6.67% $2,646
BMO Harris Bank 7 6.64% $3,215
Prevail Bank 7 7.13% $2,679
Ixonia Bank 6 7.14% $5,424
PENNYMAC LOAN SERVICES, LLC 6 6.81% $6,292
Mr. Cooper ( Nationstar Mortgage ) 5 6.70% $4,501
Waterstone Mortgage Corporation 5 6.23% $4,359
GUILD MORTGAGE COMPANY 5 6.75% $4,843
FIRST COLONY MORTGAGE CORPORATION 4 6.91% $4,264
NEWREZ LLC 3 6.71% $4,519
Barrington Bank & Trust Company, N.A. 3 6.12% $8,003
Bank Five Nine 3 6.63% $3,576
Heartland Credit Union (Madison) 2 6.69% $2,268
American Mortgage & Equity Consultants, Inc. 2 6.63% $7,617
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.06% $9,086
FREEDOM MORTGAGE CORPORATION 2 7.25% $5,994
UNITED WHOLESALE MORTGAGE, LLC 2 7.06% $1,981
Servion, Inc. 2 7.75% $3,075
Flagstar Bank, FSB 2 7.75% $4,973
Alerus Financial 2 6.63% $4,885
Peoples State Bank 2 6.44% $2,872
Paramount Residential Mortgage Group, Inc. 2 6.88% $2,831
Nicolet National Bank 2 7.13% $3,302
Wells Fargo Bank 2 7.06% $3,707
WESTconsin Credit Union 2 6.81% $3,551
NBKC BANK 2 6.88% $3,250
NATIONWIDE MORTGAGE BANKERS, INC. 2 7.31% $3,486
Discover Bank 2 7.96% $0
Mortgage Research Center, LLC 2 6.63% $4,310
CARDINAL FINANCIAL 2 6.56% $7,097
ZILLOW HOME LOANS, LLC 1 6.88% $9,193
ALTRA 1 6.95% $3,315
BROKER SOLUTIONS, INC. 1 6.99% $5,960
CHARTER WEST BANK 1 7.25% $3,833
Citizens State Bank of La Crosse 1 6.63% $3,508
COMPASS MORTGAGE, INC. 1 6.99% $3,383
CO-OP Credit Union 1 6.55% $150
ENVOY MORTGAGE, LTD 1 6.63% $4,826
Fifth Third Bank 1 6.13% $3,563
First Community Credit Union 1 6.50% $1,445
First National Bank of Omaha 1 7.38% $3,382
GUARANTEED RATE, INC. 1 6.55% $4,305
HOMESIDE FINANCIAL, LLC 1 7.00% $7,482
Horicon Bank 1 7.00% $2,601
LAFAYETTE FEDERAL CREDIT UNION 1 7.38% $5,037
Landmark Credit Union 1 7.56% $2,158
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.88% $7,720
LOANDEPOT.COM, LLC 1 6.75% $3,047
MARINE 1 8.48% $4,585
Merchants Bank 1 7.65% $4,478
MOVEMENT MORTGAGE, LLC 1 5.75% $5,300
Old National Bank 1 6.38% $2,917
PLANET HOME LENDING, LLC 1 7.63% $9,273
PNC Bank 1 7.25% $2,696
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.75% $7,795
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.88% $15,657
Raymond James Bank 1 6.75% $2,271
Royal Credit Union 1 5.88% $4,262
Summit Mortgage Corporation 1 6.63% $2,894
SUN WEST MORTGAGE COMPANY, INC. 1 6.62% $3,384
The Bank of New Glarus 1 6.63% $2,524
The Huntington National Bank 1 6.63% $2,951
TOWNE MORTGAGE COMPANY 1 6.63% $3,095
Tri City National Bank 1 6.38% $2,484
UNION HOME MORTGAGE CORP. 1 8.63% $4,126
USAA Federal Savings Bank 1 7.00% $3,821
VERVE, A CREDIT UNION 1 6.50% $2,505
V.I.P. MORTGAGE, INC. 1 6.63% $4,163
AbbyBank 1 7.63% $1,751

Wisconsin Rapids - Marshfield Average Closing Costs & Other Stats

Wisconsin Rapids-Marshfield, WI's 82 lenders originated 1,433 loans during 2024. The total origination value was $222,185,000, with an average loan value of $155,049.

Wisconsin Rapids - Marshfield's average closing costs are $3,827.

The top Wisconsin Rapids - Marshfield lender as defined by loan originations is U.S. Bank, with 46 loans originated. Their average total fees are $3,149, which is $655 higher than the next largest lender, Forward Bank.

The lowest fee Wisconsin Rapids - Marshfield lenders (with over 10 loans originated) are Associated Bank ($2,288), University of Wisconsin Credit Union ($2,441), Forward Bank ($2,493), Nations Lending Corporation ($2,724) and First Federal Bank ($2,749).

The lowest rate Wisconsin Rapids - Marshfield lenders (with over 10 loans originated) are Associated Bank (6.33%), CoVantage Credit Union (6.41%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.47%), First Federal Bank (6.60%) and U.S. Bank (6.62%).

Wisconsin Rapids-Marshfield, 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 $7,165,000 $12,790,000 78.5% 5.8%
Ixonia Bank $4,705,000 $11,955,000 154.1% 5.4%
Forward Bank $12,050,000 $11,345,000 -5.9% 5.1%
Associated Bank $9,575,000 $10,150,000 6.0% 4.6%
QUICKEN LOANS, LLC $10,100,000 $9,910,000 -1.9% 4.5%
CoVantage Credit Union $7,125,000 $7,675,000 7.7% 3.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,895,000 $7,565,000 28.3% 3.4%
Mortgage Research Center, LLC $6,155,000 $6,815,000 10.7% 3.1%
Nations Lending Corporation $6,165,000 $6,590,000 6.9% 3.0%
Valley Communities Credit Union $5,940,000 $6,450,000 8.6% 2.9%
Prevail Bank $4,370,000 $4,515,000 3.3% 2.0%
BMO Harris Bank $2,695,000 $4,345,000 61.2% 2.0%
UNITED WHOLESALE MORTGAGE, LLC $3,300,000 $3,910,000 18.5% 1.8%
First Federal Bank $1,790,000 $3,760,000 110.1% 1.7%
Bank First, N.A. $1,695,000 $3,715,000 119.2% 1.7%
PENNYMAC LOAN SERVICES, LLC $1,455,000 $3,205,000 120.3% 1.4%
University of Wisconsin Credit Union $1,825,000 $3,175,000 74.0% 1.4%
Connexus Credit Union $2,105,000 $3,020,000 43.5% 1.4%
FREEDOM MORTGAGE CORPORATION $1,210,000 $2,940,000 143.0% 1.3%
WOODTRUST BANK $3,090,000 $2,555,000 -17.3% 1.1%
North Shore Bank FSB $2,365,000 n/a 1.1%
Citizens State Bank of La Crosse $1,525,000 $2,170,000 42.3% 1.0%
Landmark Credit Union $180,000 $2,135,000 1,086.1% 1.0%
Prosperity Home Mortgage, LLC $3,640,000 $1,965,000 -46.0% 0.9%
Summit Credit Union $2,310,000 $1,945,000 -15.8% 0.9%
Nicolet National Bank $1,105,000 $1,835,000 66.1% 0.8%
GUILD MORTGAGE COMPANY $1,035,000 $1,750,000 69.1% 0.8%
USAA Federal Savings Bank $155,000 $1,690,000 990.3% 0.8%
Citizens State Bank $1,675,000 n/a 0.8%
JPMorgan Chase Bank $545,000 $1,660,000 204.6% 0.7%
NEWREZ LLC $135,000 $1,255,000 829.6% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $1,425,000 $1,250,000 -12.3% 0.6%
FIRST COLONY MORTGAGE CORPORATION $1,205,000 n/a 0.5%
Barrington Bank & Trust Company, N.A. $415,000 $1,185,000 185.5% 0.5%
CARDINAL FINANCIAL $320,000 $1,080,000 237.5% 0.5%
AgCountry Farm Credit Services, FLCA $995,000 $1,075,000 8.0% 0.5%
State Bank Financial $440,000 $995,000 126.1% 0.4%
Partners Bank of Wisconsin $2,995,000 $980,000 -67.3% 0.4%
TOWNE MORTGAGE COMPANY $1,325,000 $980,000 -26.0% 0.4%
Royal Credit Union $1,685,000 $975,000 -42.1% 0.4%
Citizens State Bank of Loyal $425,000 $965,000 127.1% 0.4%
Bank Five Nine $135,000 $950,000 603.7% 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $915,000 n/a 0.4%
Flagstar Bank, FSB $475,000 $910,000 91.6% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $465,000 $815,000 75.3% 0.4%
Servion, Inc. $735,000 $795,000 8.2% 0.4%
Waterstone Mortgage Corporation $3,575,000 $795,000 -77.8% 0.4%
Old National Bank $135,000 $750,000 455.6% 0.3%
LOANDEPOT.COM, LLC $1,045,000 $695,000 -33.5% 0.3%
NAVY FEDERAL CREDIT UNION $1,420,000 $685,000 -51.8% 0.3%
PLANET HOME LENDING, LLC $650,000 $665,000 2.3% 0.3%
Spring Bank $610,000 n/a 0.3%
Alerus Financial $600,000 n/a 0.3%
Summit Mortgage Corporation $565,000 n/a 0.3%
ALTRA $425,000 $560,000 31.8% 0.3%
Discover Bank $230,000 $545,000 137.0% 0.2%
MARINE $760,000 $545,000 -28.3% 0.2%
Peoples State Bank $1,255,000 $545,000 -56.6% 0.2%
DAS Acquisition Company, LLC $530,000 n/a 0.2%
NATIONWIDE MORTGAGE BANKERS, INC. $95,000 $530,000 457.9% 0.2%
American Mortgage & Equity Consultants, Inc. $500,000 n/a 0.2%
Wells Fargo Bank $475,000 $490,000 3.2% 0.2%
NEW DAY FINANCIAL, LLC $240,000 $475,000 97.9% 0.2%
Merchants Bank $245,000 $465,000 89.8% 0.2%
CHURCHILL MORTGAGE CORPORATION $460,000 n/a 0.2%
CO-OP Credit Union $435,000 n/a 0.2%
A + MORTGAGE SERVICES, INC. $425,000 n/a 0.2%
LAFAYETTE FEDERAL CREDIT UNION $425,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $905,000 $420,000 -53.6% 0.2%
HOMESIDE FINANCIAL, LLC $85,000 $410,000 382.4% 0.2%
Plains Commerce Bank $405,000 n/a 0.2%
Heartland Credit Union (Madison) $400,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $395,000 n/a 0.2%
AbbyBank $55,000 $390,000 609.1% 0.2%
CMG MORTGAGE, INC. $385,000 n/a 0.2%
CHARTER WEST BANK $365,000 n/a 0.2%
WaterStone Bank, SSB $355,000 $365,000 2.8% 0.2%
MOVEMENT MORTGAGE, LLC $275,000 $360,000 30.9% 0.2%
ZILLOW HOME LOANS, LLC $345,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $245,000 $330,000 34.7% 0.1%
WESTconsin Credit Union $255,000 $330,000 29.4% 0.1%
Oregon Community Bank $280,000 $325,000 16.1% 0.1%
Carrington Mortgage Services, LLC $155,000 $320,000 106.5% 0.1%
Paramount Residential Mortgage Group, Inc. $610,000 $320,000 -47.5% 0.1%
PNC Bank $455,000 $320,000 -29.7% 0.1%
BROKER SOLUTIONS, INC. $805,000 $300,000 -62.7% 0.1%
The Huntington National Bank $695,000 $300,000 -56.8% 0.1%
Johnson Bank $385,000 $290,000 -24.7% 0.1%
NBKC BANK $290,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 $290,000 205.3% 0.1%
Farmers Savings Bank $285,000 n/a 0.1%
Horicon Bank $280,000 n/a 0.1%
21ST MORTGAGE CORPORATION $90,000 $275,000 205.6% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $400,000 $255,000 -36.3% 0.1%
Ameris Bank $255,000 n/a 0.1%
Figure Lending LLC $25,000 $255,000 920.0% 0.1%
SIRVA MORTGAGE, INC. $255,000 n/a 0.1%
West Pointe Bank $255,000 n/a 0.1%
Citibank $230,000 n/a 0.1%
The Bank of New Glarus $390,000 $225,000 -42.3% 0.1%
TOP FLITE FINANCIAL, INC. $225,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $115,000 $210,000 82.6% 0.1%
EVERETT FINANCIAL, INC. $340,000 $205,000 -39.7% 0.1%
RiverWood Bank $205,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $205,000 n/a 0.1%
LOANPAL, LLC $200,000 n/a 0.1%
Fifth Third Bank $195,000 n/a 0.1%
IncredibleBank $320,000 $195,000 -39.1% 0.1%
UNION HOME MORTGAGE CORP. $195,000 n/a 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $185,000 n/a 0.1%
Raymond James Bank $185,000 n/a 0.1%
Coastal Community Bank $70,000 $180,000 157.1% 0.1%
ROYAL UNITED MORTGAGE LLC $230,000 $180,000 -21.7% 0.1%
First National Bank of Omaha $175,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $165,000 n/a 0.1%
CALCON MUTUAL MORTGAGE LLC $165,000 n/a 0.1%
First Community Credit Union $165,000 n/a 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $380,000 $160,000 -57.9% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $155,000 n/a 0.1%
Bell Bank $175,000 $155,000 -11.4% 0.1%
Community First Credit Union $155,000 n/a 0.1%
Fortifi Bank $290,000 $155,000 -46.6% 0.1%
ENDEAVOR CAPITAL, LLC. $135,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $135,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $105,000 $135,000 28.6% 0.1%
1st Community Credit Union $125,000 n/a 0.1%
GUARANTEED RATE, INC. $545,000 $125,000 -77.1% 0.1%
VERVE, A CREDIT UNION $125,000 n/a 0.1%
Coulee Bank $115,000 n/a 0.1%
Kohler Credit Union $115,000 n/a 0.1%
Security Financial Bank $145,000 $115,000 -20.7% 0.1%
Baraboo State Bank $105,000 n/a 0.0%
WINGS FINANCIAL $225,000 $105,000 -53.3% 0.0%
LAKEVIEW LOAN SERVICING, LLC $115,000 $100,000 -13.0% 0.0%
CAPITAL Credit Union $90,000 $95,000 5.6% 0.0%
ENVOY MORTGAGE, LTD $320,000 $95,000 -70.3% 0.0%
LENDINGHOME FUNDING CORPORATION $95,000 n/a 0.0%
Tri City National Bank $275,000 $95,000 -65.5% 0.0%
COMPASS MORTGAGE, INC. $85,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $65,000 $85,000 30.8% 0.0%
Intercity State Bank $85,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $75,000 n/a 0.0%
Security Bank $75,000 n/a 0.0%
Bank of America $155,000 $65,000 -58.1% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $65,000 n/a 0.0%
Park City Credit Union $220,000 $55,000 -75.0% 0.0%
Third Federal Savings and Loan Association of Cleveland $55,000 n/a 0.0%
EDUCATORS CREDIT UNION $350,000 $45,000 -87.1% 0.0%
AFFINITY PLUS $35,000 n/a 0.0%
GREENSTATE CREDIT UNION $35,000 n/a 0.0%
River Bank $35,000 n/a 0.0%

Wisconsin Rapids - Marshfield's top lender by overall market share is U.S. Bank, with 5.8% market share. In second place, with 5.4%, is Ixonia Bank, having originated $11,955,000 in loans. In third place, with 5.1%, is Forward Bank, having originated $11,345,000 in loans. In fourth place, with 4.6%, is Associated Bank, having originated $10,150,000 in loans. In fifth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $9,910,000 in loans.

Wisconsin Rapids-Marshfield, WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 775 $149,975,000 $193,516
Cash Out Refi 204 $26,300,000 $128,922
Other 186 $13,510,000 $72,634
Refi 146 $23,420,000 $160,411
Home Improvement 122 $8,980,000 $73,607

Wisconsin Rapids - Marshfield's most frequently cited loan purpose was Home Purchase, with 775 originations. The 2nd most popular reason was Cash Out Refi, with 204 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 609 $113,095,000 $185,706
7-8% 325 $50,475,000 $155,308
Over 8% 258 $18,700,000 $72,481
5-6% 151 $28,045,000 $185,728
<2.5% 20 $970,000 $48,500
4-5% 10 $1,550,000 $155,000
3-4% 2 $260,000 $130,000

During 2024, Wisconsin Rapids - Marshfield's most frequently originated rate bucket was 6-7%, with 609 originations.

Loan Sizing (Wisconsin Rapids-Marshfield, WI MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 541 $80,545,000 $148,882
$100,000 or less 522 $27,260,000 $52,222
$200k-400k 330 $88,410,000 $267,909
$400k-600k 27 $12,345,000 $457,222
$600k-1000k 9 $6,435,000 $715,000
$Over $1MM 4 $7,190,000 $1,797,500

Wisconsin Rapids - Marshfield's loan sizing saw the bucket of loans from $100k-200k with 541 originations, totaling $80,545,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 530 $107,460,000 $202,755
60-80% 287 $55,615,000 $193,780
20-40% 209 $17,065,000 $81,651
Under 20% 180 $6,020,000 $33,444
40-60% 139 $20,745,000 $149,245
Over 100% 14 $3,010,000 $215,000

Wisconsin Rapids - Marshfield's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 530 originations, totaling $107,460,000 in origination value.