Wisconsin Rapids - Marshfield Mortgage Rates & Closing Costs
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% |
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.).
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.