Wisconsin Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Wisconsin averaged 6.93% for the week of 2025-01-09, compared to the national average of 6.93% for the same period.

    The average rate for the prior week (2025-01-02) was 6.71% and one month ago for the week of 2024-12-05, the average rate was 6.79%.

    Wisconsin's average rate one year ago was 6.42%.

    For refis of the same type during the week of 2025-01-09, the average rate was 6.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-01-09 6.93%
    Wisconsin 30 Year Fixed Rate 2025-01-09 6.93%
    Wisconsin 30 Year Fixed Rate Refi 2025-01-09 6.29%
    Wisconsin 15 Year Fixed Rate 2025-01-09 6.24%
    Wisconsin 15 Year Fixed Rate Refi 2025-01-09 6.54%
    Wisconsin 30 Year FHA 2025-01-09 6.51%
    Wisconsin 30 Year FHA Refi 2025-01-09 6.44%
    Wisconsin 30 Year USDA 2025-01-09 6.73%
    Wisconsin 30 Year USDA Refi 2025-01-09 6.42%
    Wisconsin 30 Year VA 2025-01-09 6.7%
    Wisconsin 30 Year VA Refi 2025-01-09 5.62%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wisconsin.

    Wisconsin 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 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Summit Credit Union 1,992 6.45% $2,761
    University of Wisconsin Credit Union 1,883 6.35% $3,065
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1,766 6.84% $4,131
    Associated Bank 1,653 6.61% $2,559
    UNITED WHOLESALE MORTGAGE, LLC 1,294 6.86% $4,848
    QUICKEN LOANS, LLC 1,286 6.83% $6,405
    Landmark Credit Union 1,170 6.60% $2,057
    Johnson Bank 1,122 6.41% $2,645
    U.S. Bank 1,011 6.79% $3,421
    GUILD MORTGAGE COMPANY 950 6.83% $4,991
    CoVantage Credit Union 919 6.62% $3,119
    Royal Credit Union 818 6.62% $407
    EDUCATORS CREDIT UNION 782 6.25% $1,708
    Barrington Bank & Trust Company, N.A. 736 6.71% $5,079
    Nicolet National Bank 710 6.99% $3,533
    FOX COMMUNITIES 676 6.39% $957
    JPMorgan Chase Bank 664 6.83% $3,899
    THOMPSON KANE & COMPANY, LLC 642 6.81% $4,891
    CROSSCOUNTRY MORTGAGE, LLC 640 7.08% $5,372
    Bank First, N.A. 626 6.65% $2,358
    GUARANTEED RATE, INC. 593 6.89% $4,196
    Bank Five Nine 577 6.80% $3,242
    NEWREZ LLC 507 6.74% $3,662
    Prosperity Home Mortgage, LLC 493 6.63% $4,117
    CAPITAL Credit Union 460 6.19% $2,217
    ALTRA 457 6.87% $2,463
    A + MORTGAGE SERVICES, INC. 452 6.84% $2,982
    Bell Bank 446 6.85% $4,558
    Wells Fargo Bank 425 6.83% $3,997
    Community First Credit Union 409 6.28% $2,507
    Bank of England 397 6.89% $4,171
    Ixonia Bank 384 6.92% $4,929
    Waukesha State Bank 360 6.49% $2,688
    BMO Harris Bank 335 6.68% $3,855
    Nations Lending Corporation 325 6.99% $3,997
    The Huntington National Bank 320 6.69% $4,078
    WESTconsin Credit Union 302 6.69% $3,078
    National Exchange Bank and Trust 293 5.99% $1,724
    WISCONSIN MORTGAGE CORPORATION 291 6.75% $3,216
    Paramount Residential Mortgage Group, Inc. 247 7.10% $5,215
    CARDINAL FINANCIAL 235 6.74% $6,828
    Great Midwest Bank, S.S.B. 235 6.68% $2,787
    MARINE 232 8.85% $5,513
    Waterstone Mortgage Corporation 210 6.80% $5,919
    Forward Bank 205 6.44% $2,325
    V.I.P. MORTGAGE, INC. 197 6.92% $6,055
    CMG MORTGAGE, INC. 194 6.83% $5,410
    GSF Mortgage Corporation 191 6.54% $4,404
    The Bank of New Glarus 188 6.80% $2,233
    Horicon Bank 188 6.60% $1,912
    CO-OP Credit Union 185 6.13% $1,597
    Peoples State Bank 184 6.71% $2,058
    Old National Bank 181 6.47% $3,527
    LOANDEPOT.COM, LLC 179 6.79% $6,623
    State Bank of Cross Plains 179 6.52% $2,586
    North Shore Bank FSB 167 6.52% $2,450
    The Park Bank 167 6.41% $2,511
    GUARANTEED RATE AFFINITY, LLC 165 6.78% $3,943
    The Equitable Bank, S.S.B. 164 6.48% $2,900
    GATEWAY MORTGAGE CORPORATION 160 7.00% $3,355
    Flagstar Bank, FSB 159 7.03% $3,787
    American Mortgage & Equity Consultants, Inc. 152 6.75% $6,000
    Blackhawk Community Credit Union 152 6.78% $2,577
    COMPEER FINANCIAL, FLCA 146 7.85% $3,514
    MOVEMENT MORTGAGE, LLC 145 6.78% $5,570
    BROKER SOLUTIONS, INC. 144 7.21% $5,684
    ENVOY MORTGAGE, LTD 140 6.79% $4,728
    Mr. Cooper ( Nationstar Mortgage ) 139 6.71% $7,936
    Kohler Credit Union 136 5.96% $2,993
    The First National Bank and Trust Company 135 6.70% $2,854
    The Port Washington State Bank 134 6.62% $3,311
    CIBM Bank 132 6.76% $3,176
    SUPERIOR CHOICE 132 6.22% $3,816
    Bankers' Bank 131 6.63% $2,985
    VERVE, A CREDIT UNION 131 6.66% $2,464
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION 130 6.82% $2,867
    DUPACO COMMUNITY 127 6.24% $3,059
    PRIMELENDING, A PLAINSCAPITAL COMPANY 123 6.94% $4,039
    Servion, Inc. 121 6.79% $3,259
    PENNYMAC LOAN SERVICES, LLC 121 6.75% $5,774
    FIRST CENTENNIAL MORTGAGE CORPORATION 119 6.61% $3,206
    Citizens Community Federal 117 6.54% $3,819
    UNION HOME MORTGAGE CORP. 114 7.25% $4,007
    PCM 113 6.03% $1,215
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 112 6.92% $4,191
    Tri City National Bank 110 6.41% $2,594
    Morgan Stanley Private Bank 110 5.98% $2,806
    PNC Bank 108 6.65% $3,432
    Coulee Bank 108 6.60% $3,592
    AMERICAN PACIFIC MORTGAGE CORPORATION 105 7.08% $5,555
    PROVIDENT FUNDING ASSOCIATES, L.P. 101 6.64% $3,372
    First Federal Bank 100 6.75% $2,973
    IncredibleBank 97 6.72% $3,187
    CORNERSTONE HOME LENDING, INC. 97 6.85% $6,342
    WINGS FINANCIAL 97 6.43% $3,333
    PyraMax Bank, FSB 96 6.55% $2,018
    NAVY FEDERAL CREDIT UNION 95 6.62% $3,391
    Heartland Credit Union (Madison) 92 6.45% $2,419
    Prevail Bank 88 6.56% $2,468
    FIRST STATE MORTGAGE SERVICES, LLC 88 6.77% $3,382
    BAY EQUITY LLC 88 6.71% $5,535
    Bank of Luxemburg 84 6.68% $2,794
    Fox Valley Savings Bank 84 6.43% $1,653
    HOMESIDE FINANCIAL, LLC 83 6.96% $4,493
    Merchants Bank 83 6.50% $3,298
    Royal Bank 82 6.77% $3,151
    NexBank 80 7.11% $5,110
    Mortgage Research Center, LLC 80 6.83% $4,591
    Oregon Community Bank 78 6.99% $2,788
    MUTUAL OF OMAHA MORTGAGE, INC. 77 7.03% $5,599
    AbbyBank 77 6.73% $2,164
    Bank of Sun Prairie 75 6.42% $3,375
    Mound City Bank 73 6.59% $2,219
    PROSPERA Credit Union 73 6.23% $1,892
    PLANET HOME LENDING, LLC 70 6.75% $3,812
    Bremer Bank 69 6.62% $4,248
    Bank of America 67 6.49% $5,038
    EVERETT FINANCIAL, INC. 67 7.10% $6,757
    TOWNE MORTGAGE COMPANY 65 7.17% $4,998
    Westbury Bank 65 6.65% $2,059
    Fortifi Bank 61 6.82% $2,308
    UNITEDONE Credit Union 61 5.86% $1,653
    First Community Credit Union 60 6.36% $1,817
    Century Mortgage Company DBA Century Lending Company 59 7.08% $4,985
    Security Financial Bank 58 6.55% $2,133
    Frandsen Bank & Trust 58 6.61% $4,981
    CHERRY CREEK MORTGAGE, LLC 57 6.43% $948
    PRIMARY RESIDENTIAL MORTGAGE, INC. 56 6.78% $7,184
    CHURCHILL MORTGAGE CORPORATION 56 7.22% $4,385
    Citizens Bank 53 6.27% $2,761
    National Bank of Commerce 52 6.53% $4,365
    PremierBank 52 6.81% $2,131
    ZILLOW HOME LOANS, LLC 50 6.96% $4,943
    SUCCESS MORTGAGE PARTNERS, INC. 47 6.65% $6,299
    USAA Federal Savings Bank 46 6.72% $5,322
    AMERISAVE MORTGAGE CORPORATION 46 6.55% $7,879
    DRAPER AND KRAMER MORTGAGE CORP. 46 6.91% $3,636
    BETTER MORTGAGE CORPORATION 45 6.41% $4,316
    Tradition Mortgage, LLC 45 6.90% $4,001
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 45 6.95% $5,921
    Settlers Bank 45 5.80% $3,384
    UNISON CREDIT UNION 44 6.81% $1,641
    North Shore Bank of Commerce 44 6.52% $4,884
    Home Federal Savings Bank 43 6.59% $3,755
    Connexus Credit Union 43 6.10% $2,123
    Ally Bank 41 6.43% $6,260
    GREENSTATE CREDIT UNION 41 6.74% $3,128
    T2 FINANCIAL LLC 41 6.89% $5,584
    NBKC BANK 40 6.69% $3,057
    The Greenwood's State Bank 40 6.79% $1,930
    AMERICAN FINANCIAL NETWORK, INC. 38 7.09% $4,702
    Blackhawk Bank 38 7.02% $3,132
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 36 6.70% $4,330
    PROPER RATE, LLC 36 6.88% $3,723
    CALIBER HOME LOANS, INC. 36 6.78% $4,021
    EAGLE HOME MORTGAGE, LLC 36 5.60% $3,781
    NATIONS RELIABLE LENDING, LLC 35 7.15% $4,863
    Summit Mortgage Corporation 35 6.78% $5,861
    AmeriHome Mortgage Company, LLC 34 6.82% $3,476
    LAND HOME FINANCIAL SERVICES, INC. 34 6.79% $6,468
    Home State Bank 32 6.72% $3,169
    WNB Financial, N.A. 31 6.92% $4,158
    DAS Acquisition Company, LLC 31 7.15% $3,765
    MORTGAGE CENTER L.C 31 6.29% $3,629
    Baxter Credit Union 31 6.76% $2,921
    ROYAL UNITED MORTGAGE LLC 30 7.17% $7,381
    Citizens Bank 29 6.85% $4,466
    First Savings Bank 28 6.92% $3,841
    Glacier Hills Credit Union 28 6.11% $1,745
    First-Citizens Bank & Trust Company 26 6.72% $3,800
    FREEDOM MORTGAGE CORPORATION 26 7.42% $6,692
    AFFINITY PLUS 25 6.56% $4,240
    MICHIGAN MUTUAL, INC. 24 7.05% $4,735
    MidWestOne Bank 24 6.62% $3,713
    LAKE MICHIGAN CREDIT UNION 23 5.82% $4,941
    Deere Employees Credit Union 23 5.96% $3,160
    ENDEAVOR CAPITAL, LLC. 23 7.05% $6,341
    Stifel Bank and Trust 22 6.03% $2,392
    Fifth Third Bank 22 6.98% $3,656
    FIRST COMMUNITY MORTGAGE, INC. 21 7.12% $5,121
    PRIME FINANCIAL CREDIT UNION 20 7.45% $1,978
    COMPASS MORTGAGE, INC. 20 6.95% $5,304
    RESIDENTIAL BANCORP 19 7.07% $6,756
    Starion Bank 19 5.77% $2,369
    Regent Financial Group, Inc. 19 6.88% $4,544
    NORTHWESTERN MUTUAL 18 6.38% $1,531
    Capitol Federal Savings Bank 18 6.25% $3,475
    CIBC Bank USA 18 6.29% $4,724
    THRIVENT Federal Credit Union 18 6.61% $5,281
    HOMESTEAD FUNDING CORP. 18 6.65% $3,294
    Sierra Pacific Mortgage Company, Inc. 17 6.92% $6,900
    Citizens State Bank of La Crosse 17 7.20% $2,400
    PHH Mortgage Corporation 16 7.19% $5,506
    CONSUMERS COOPERATIVE CREDIT UNION 15 7.00% $3,612
    Northpointe Bank 15 6.82% $5,315
    Carrington Mortgage Services, LLC 15 6.38% $6,718
    Charles Schwab Bank, SSB 15 6.11% $3,377
    Citibank 15 5.67% $4,513
    First American Bank 15 6.65% $2,958
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 14 7.24% $3,911
    Florida Capital Bank 14 7.20% $4,914
    SUN WEST MORTGAGE COMPANY, INC. 14 7.06% $4,323
    UIF CORPORATION 14 7.04% $4,762
    Alerus Financial 14 6.74% $4,526
    Think Mutual Bank 14 6.02% $4,150
    Wolfe Financial, Inc 13 6.82% $6,554
    The Loan Store, Inc. 13 6.83% $4,918
    SPIRE Credit Union 13 5.88% $3,465
    GENEVA FINANCIAL, LLC 13 7.22% $5,535
    Plains Commerce Bank 13 6.86% $6,036
    PREMIA MORTGAGE, LLC 13 6.42% $1,930
    Discover Bank 13 6.86% $0
    Empower Credit Union 13 6.52% $1,822
    LEADERONE FINANCIAL CORPORATION 13 7.23% $5,800
    Firefighters Credit Union 13 8.11% $2,138
    MEGASTAR FINANCIAL CORP. 12 7.03% $7,281
    SECURITYNATIONAL MORTGAGE COMPANY 12 6.86% $3,973
    MORTGAGE ACCESS CORP. 12 7.14% $5,573
    LAKEVIEW LOAN SERVICING, LLC 12 6.47% $8,523
    Neighborhood Loans, Inc. 12 7.23% $6,056
    Goldman Sachs Bank USA 12 5.61% $4,093
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 12 7.04% $8,211
    SIRVA MORTGAGE, INC. 12 6.67% $1,611
    Farmers Bank & Trust 11 6.68% $4,026
    MEMBERS COOPERATIVE 11 7.25% $4,429
    Raymond James Bank 11 5.56% $2,783
    Range Bank 10 6.64% $2,409
    PLAZA HOME MORTGAGE, INC. 10 7.00% $4,602
    Key Mortgage Services, Inc. 10 6.98% $3,982
    UBS Bank USA 10 6.09% $4,147
    CITY FIRST MORTGAGE SERVICES, L.L.C. 9 7.36% $6,521
    HIWAY 9 6.35% $3,865
    FOND DU LAC 9 5.88% $1,393
    Ameris Bank 9 6.65% $5,334
    The Federal Savings Bank 9 7.11% $6,848
    Northview Bank 8 6.94% $4,517
    Stillman Bank 8 6.40% $2,358
    HOMEBRIDGE FINANCIAL SERVICES, INC. 8 7.55% $8,157
    MAYO EMPLOYEES FEDERAL CREDIT UNION 8 6.30% $5,456
    First National Bank of America 8 10.00% $10,084
    GreenStone Farm Credit Services, FLCA 8 7.20% $3,122
    IDEAL 8 6.36% $4,116
    AXIA FINANCIAL, LLC 8 6.78% $5,748
    HOMEXPRESS MORTGAGE CORP. 8 8.84% $8,360
    EMBRACE HOME LOANS, INC. 8 6.72% $4,157
    ARC HOME LLC 8 7.77% $7,890
    IOWA BANKERS MORTGAGE CORPORATION 8 6.64% $2,717
    Monona Bank 8 6.20% $2,455
    Lend Smart Mortgage, LLC 7 6.50% $6,064
    Goldwater Bank, N.A. 7 6.39% $7,599
    GUIDANCE RESIDENTIAL, LLC 7 7.23% $5,143
    Regions Bank 7 6.63% $6,943
    Dollar Bank, Federal Savings Bank 7 6.80% $3,700
    ALAMEDA MORTGAGE CORPORATION 7 6.39% $5,974
    VERIDIAN CREDIT UNION 7 6.59% $2,241
    Badger Bank 7 7.07% $2,609
    ANGEL OAK MORTGAGE SOLUTIONS LLC 7 8.84% $9,803
    OCMBC, INC. 7 9.52% $12,877
    PENTAGON FEDERAL CREDIT UNION 7 6.09% $4,637
    DIGITAL Federal Credit Union 6 5.15% $2,858
    CITY-COUNTY CREDIT UNION 6 6.90% $4,491
    NATIONWIDE MORTGAGE BANKERS, INC. 6 6.81% $6,604
    Pacor Mortgage Corp 6 7.46% $4,386
    BAYSHORE MORTGAGE FUNDING, LLC 6 7.17% $6,307
    NUMARK CREDIT UNION 5 7.38% $2,243
    Cambria Financial Group, LLC 5 7.10% $7,750
    BNC National Bank 5 5.98% $2,825
    MLD MORTGAGE INC. 5 6.73% $4,576
    R.I.A. Federal Credit Union 5 6.28% $2,132
    North American Savings Bank, F.S.B. 5 8.63% $7,713
    Mortgages Unlimited Inc. 5 6.78% $8,572
    First Bank & Trust 5 6.60% $6,634
    ACADEMY MORTGAGE CORPORATION 5 6.83% $7,829
    RUOFF MORTGAGE COMPANY, INC. 5 6.30% $5,158
    Gate City Bank 5 6.38% $5,805
    M&T Bank 5 6.38% $5,297
    First National Bank of Omaha 5 7.28% $3,640
    FIRST NORTHERN Credit Union 5 6.95% $2,083
    MASON MCDUFFIE MORTGAGE CORPORATION 5 6.95% $4,526
    City National Bank 5 6.60% $2,889
    LENDSURE MORTGAGE CORP. 5 9.67% $10,013
    TOP FLITE FINANCIAL, INC. 4 6.66% $10,373
    SWBC MORTGAGE CORPORATION 4 6.88% $4,001
    SUMMIT FUNDING, INC. 4 7.03% $10,769
    Loan Simple, Inc. 4 7.63% $5,129
    Old Second National Bank 4 6.94% $2,544
    Truist 4 6.81% $5,771
    Cornerstone National Bank & Trust Company 4 6.63% $1,811
    KeyBank 4 6.69% $4,513
    N.E.W. Credit Union 4 6.81% $1,744
    CALCON MUTUAL MORTGAGE LLC 4 6.56% $6,850
    KELLER MORTGAGE, LLC 4 6.22% $5,915
    AMERICAN FINANCING CORPORATION 4 6.47% $8,416
    Brokaw Credit Union 4 6.69% $2,062
    BOKF 4 7.03% $5,026
    UNITED HOME LOANS, INC. 4 7.53% $7,573
    DEEPHAVEN MORTGAGE LLC 4 10.03% $7,829
    Citadel Servicing Corporation 4 9.41% $7,423
    Minnwest Bank 4 6.66% $5,274
    Heritage Bank 4 6.09% $6,502
    The Central Trust Bank 4 6.78% $2,486
    The First National Bank of Ottawa 4 6.84% $4,587
    ALLIANT CREDIT UNION 4 6.47% $3,246
    FLAT BRANCH MORTGAGE, INC. 4 6.72% $5,582
    21ST MORTGAGE CORPORATION 3 8.83% $5,566
    ADVANCIAL 3 8.63% $8,999
    American Bank and Trust Company 3 6.38% $6,952
    Arvest Bank 3 6.50% $4,212
    Axos Bank 3 6.46% $2,800
    Chicago Mortgage Solutions LLC 3 5.89% $4,292
    Choice Financial Group 3 6.21% $7,013
    Commerce Home Mortgage, Inc. 3 9.08% $7,496
    Equity Prime Mortgage LLC 3 6.71% $4,961
    First International Bank & Trust 3 7.38% $2,510
    First Mid Bank & Trust 3 7.29% $3,915
    First State Bank of St. Charles, Missouri 3 6.63% $3,180
    Flanagan State Bank 3 7.21% $4,709
    Fortress Bank 3 6.75% $3,063
    GENISYS 3 6.54% $3,010
    Heartland Bank and Trust Company 3 7.19% $2,755
    LIBERTY HOME MORTGAGE CORPORATION 3 6.92% $5,547
    MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 3 6.58% $3,423
    NETWORK CAPITAL FUNDING CORPORATION 3 6.54% $6,525
    NEXERA HOLDING LLC 3 8.54% $7,110
    NP, Inc. 3 9.17% $10,774
    Paramount Bank 3 7.67% $4,146
    Park State Bank 3 7.06% $3,928
    STANFORD Federal Credit Union 3 5.79% $3,259
    VERITAS FUNDING, LLC 3 6.96% $10,629
    PLUS RELOCATION MORTGAGE, LLC 2 7.75% $4,089
    TOTAL MORTGAGE SERVICES, LLC 2 6.88% $5,357
    MY Credit Union 2 7.00% $4,341
    INB 2 6.75% $2,524
    Toyota Financial Savings Bank 2 6.94% $4,771
    First Federal Savings Bank 2 7.38% $2,279
    Rock Valley Credit Union 2 7.31% $3,435
    FirstBank 2 6.31% $6,892
    ILLINOIS STATE CREDIT UNION 2 6.19% $2,162
    Sunflower Bank 2 7.06% $4,293
    CANOPY MORTGAGE, LLC 2 7.31% $3,909
    Byron Bank 2 7.81% $2,563
    Fidelity Bank & Trust 2 6.18% $2,424
    IAA Credit Union 2 5.94% $5,629
    HSBC BANK USA, NATIONAL ASSOCIATION 2 6.01% $3,244
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 7.38% $3,702
    THE ANDERSON FINANCIAL GROUP, INC. 2 7.44% $3,696
    BNY Mellon 2 6.31% $4,919
    Elements Financial Federal Credit Union 2 6.63% $2,497
    Blue Ridge Bank 2 6.56% $3,710
    Bethpage Federal Credit Union 2 6.31% $3,544
    S1L, Inc. 2 7.06% $6,778
    A&D Mortgage LLC 2 9.00% $13,136
    BAY-VALLEY MORTGAGE GROUP 2 7.50% $7,574
    The Dart Bank 2 6.50% $3,497
    Great Southern Bank 2 6.31% $2,913
    DELMAR FINANCIAL COMPANY 2 7.00% $4,433
    Academy Bank 2 6.75% $3,209
    Platinum Home Mortgage Corporation 2 6.81% $4,666
    GREAT LAKES 2 7.00% $5,157
    Gold Coast Bank 2 7.19% $9,557
    GERSHMAN INVESTMENT CORP. 2 7.44% $3,999
    Leader Bank 2 6.50% $6,763
    The Northern Trust Company 2 6.06% $5,384
    AmRes Corporation 2 6.81% $5,827
    MEMBER FIRST MORTGAGE, LLC 2 6.81% $3,534
    Gateway First Bank 2 6.31% $5,190
    AMERICAN INTERNET MORTGAGE, INC. 2 6.19% $7,523
    AMERICAN HERITAGE LENDING, INC. 2 7.38% $12,071
    Midwest Heritage Bank FSB 2 7.31% $2,716
    Colonial Savings, F.A. 2 6.88% $7,685
    KINECTA 2 6.69% $4,710
    RBC Bank, (Georgia) 2 5.50% $1,560
    Network Funding, L.P. 2 6.94% $14,232
    INTERCAP LENDING INC. 2 7.00% $3,850
    OCEANSIDE MORTGAGE COMPANY 2 7.06% $5,884
    DIRECT MORTGAGE LOANS, LLC 1 7.63% $2,690
    Dakota Community Bank & Trust 1 6.00% $5,542
    CRESCENT MORTGAGE COMPANY 1 6.50% $3,930
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.25% $2,844
    CORTRUST MORTGAGE, INC. 1 7.25% $5,108
    Core Bank 1 6.13% $2,270
    Community Mortgage Banc Corporation 1 7.38% $5,100
    Community First National Bank 1 6.49% $5,633
    The Union Bank Company 1 7.25% $3,382
    CNB Bank And Trust, N.A. 1 4.99% $4,634
    THRIVE MORTGAGE, LLC 1 6.75% $3,124
    CNB Bank 1 5.75% $2,421
    TJC Mortgage, Inc. 1 7.50% $5,169
    CITYWIDE HOME LOANS, LLC 1 6.13% $8,639
    TOWER 1 6.75% $3,695
    City National Bank of Florida 1 7.38% $4,477
    CITIZENS EQUITY FIRST 1 6.25% $2,413
    TRIAD FINANCIAL SERVICES, INC. 1 7.38% $6,657
    Christian Community Credit Union 1 6.88% $5,427
    CENTRAL MINNESOTA Credit Union 1 6.25% $3,701
    CBI Bank & Trust 1 7.50% $2,746
    UMB Bank 1 5.54% $1,459
    Byline Bank 1 6.88% $3,675
    Busey Bank 1 6.00% $4,720
    UNITED 1 6.38% $2,062
    United Fidelity Funding Corp. 1 6.13% $5,095
    United Nations Federal Credit Union 1 6.25% $3,205
    Beeline Loans, Inc. 1 7.13% $3,643
    BECKAM FUNDING CORP. 1 10.00% $5,727
    Valley National Bank 1 7.50% $4,218
    VAN DYK MORTGAGE CORPORATION 1 7.38% $2,891
    Bank of the West 1 6.00% $5,023
    Bank-Fund Staff Federal Credit Union 1 5.13% $2,526
    VILLAGE CAPITAL MORTGAGE 1 6.99% $8,430
    ASSEMBLIES OF GOD Credit Union 1 6.38% $2,385
    Warsaw Federal Savings and Loan Association 1 7.25% $3,200
    Watermark Capital, Inc. 1 6.63% $3,587
    Armed Forces Bank 1 7.88% $4,425
    American State Bank 1 6.50% $5,422
    WesBanco 1 6.38% $3,083
    Willamette Valley Bank 1 7.50% $3,215
    American Bank & Trust 1 7.38% $3,935
    AMCAP MORTGAGE, LTD. 1 6.50% $5,627
    ON Q FINANCIAL, INC. 1 6.63% $4,334
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.50% $3,367
    Ohnward Bank & Trust 1 6.00% $2,195
    Allied First Bank,sb 1 6.75% $3,229
    Oakstar Bank 1 7.75% $7,088
    NOVATION CREDIT UNION 1 6.25% $2,647
    Notre Dame Federal Credit Union Corporation 1 7.50% $7,334
    Peoples Bank 1 5.75% $4,040
    NFM, INC. 1 8.38% $5,724
    Morton Community Bank 1 7.38% $2,395
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.75% $6,632
    Mortgage Assurance Inc. 1 7.75% $18,550
    POINT Mortgage 1 6.99% $3,141
    Popular Bank 1 6.00% $4,563
    Midland States Bank 1 7.63% $3,275
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.50% $2,695
    Mid-Continent Funding, Inc. 1 7.38% $12,640
    MID AMERICA MORTGAGE, INC. 1 6.75% $2,817
    Merchants Bank of Indiana 1 7.00% $4,432
    Mazuma Credit Union 1 7.88% $3,699
    MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION 1 7.38% $4,123
    MANN FINANCIAL INC. 1 7.50% $4,753
    Luana Savings Bank 1 5.75% $1,336
    PURDUE FEDERAL CREDIT UNION 1 5.63% $2,163
    Legends Bank 1 7.38% $3,440
    Quontic Bank 1 9.25% $9,302
    Landmark National Bank 1 7.50% $2,537
    ITHINK FINANCIAL Credit Union 1 7.75% $2,508
    Independent Bank 1 6.25% $3,224
    RESIDENTIAL MORTGAGE, LLC 1 7.50% $5,760
    Grundy Bank 1 7.13% $3,230
    Service Federal Credit Union 1 6.75% $3,081
    Signal Financial Federal Credit Union 1 6.75% $3,704
    Simmons Bank 1 6.50% $2,343
    First United Bank and Trust Company 1 8.63% $4,709
    Wyndham Capital Mortgage, Inc. 1 6.63% $4,877
    First State Bank 1 5.88% $1,874
    FIRST MORTGAGE COMPANY, INC. 1 7.88% $3,971
    ST. CLOUD FINANCIAL 1 5.88% $6,839
    First Horizon Bank 1 7.63% $3,136
    First Financial Credit Union 1 6.75% $8,649
    Stock Yards Bank & Trust Company 1 5.90% $2,318
    First Federal Savings and Loan Association of Lakewood 1 6.48% $2,234
    First Bank 1 6.13% $2,906
    FEDEX EMPLOYEES CREDIT ASSOCIATION 1 6.38% $5,677
    FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 6.38% $4,596
    Encompass Lending Group, LP 1 6.75% $4,728
    The Camden National Bank 1 6.50% $2,225
    DuTrac Community Credit Union 1 6.25% $2,265

    Wisconsin Average Closing Costs & Other Stats

    Wisconsin's 467 lenders originated 128,042 loans during 2023. The total origination value was $26,515,000,000, with an average loan value of $207,080.

    Wisconsin's average closing costs are $3,297.

    The top Wisconsin lender as defined by loan originations is Summit Credit Union, with 1,992 loans originated. Their average total fees are $2,761, which is $304 lower than the next largest lender, University of Wisconsin Credit Union.

    The lowest fee Wisconsin lenders (with over 10 loans originated) are Discover Bank ($0), Royal Credit Union ($407), CHERRY CREEK MORTGAGE, LLC ($948), FOX COMMUNITIES ($957) and PCM ($1,215).

    The lowest rate Wisconsin lenders (with over 10 loans originated) are Raymond James Bank (5.56%), EAGLE HOME MORTGAGE, LLC (5.60%), Goldman Sachs Bank USA (5.61%), Citibank (5.67%) and Starion Bank (5.77%).

    Wisconsin 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Summit Credit Union $1,759,865,000 $1,625,580,000 -7.6% 6.1%
    University of Wisconsin Credit Union $1,476,505,000 $1,095,280,000 -25.8% 4.1%
    Associated Bank $1,457,060,000 $879,040,000 -39.7% 3.3%
    Landmark Credit Union $1,158,810,000 $824,055,000 -28.9% 3.1%
    Johnson Bank $888,720,000 $745,420,000 -16.1% 2.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,024,905,000 $683,065,000 -33.4% 2.6%
    QUICKEN LOANS, LLC $908,855,000 $596,605,000 -34.4% 2.3%
    Community First Credit Union $698,190,000 $528,480,000 -24.3% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $587,030,000 $527,390,000 -10.2% 2.0%
    U.S. Bank $839,705,000 $502,920,000 -40.1% 1.9%
    Old National Bank $474,285,000 $455,390,000 -4.0% 1.7%
    Royal Credit Union $520,800,000 $409,270,000 -21.4% 1.5%
    BMO Harris Bank $591,275,000 $408,590,000 -30.9% 1.5%
    Nicolet National Bank $630,965,000 $407,770,000 -35.4% 1.5%
    WALKER & DUNLOP, LLC $475,350,000 $401,655,000 -15.5% 1.5%
    GUILD MORTGAGE COMPANY $142,305,000 $352,650,000 147.8% 1.3%
    CoVantage Credit Union $371,930,000 $347,375,000 -6.6% 1.3%
    EDUCATORS CREDIT UNION $485,705,000 $334,340,000 -31.2% 1.3%
    Bank First, N.A. $380,815,000 $324,245,000 -14.9% 1.2%
    FOX COMMUNITIES $393,385,000 $301,040,000 -23.5% 1.1%
    Barrington Bank & Trust Company, N.A. $333,340,000 $291,925,000 -12.4% 1.1%
    THOMPSON KANE & COMPANY, LLC $281,195,000 $284,985,000 1.3% 1.1%
    Mortgage Research Center, LLC $326,545,000 $277,000,000 -15.2% 1.0%
    JPMorgan Chase Bank $388,770,000 $276,340,000 -28.9% 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $291,400,000 $276,285,000 -5.2% 1.0%
    State Bank of Cross Plains $263,925,000 $255,350,000 -3.2% 1.0%
    Bell Bank $201,240,000 $235,540,000 17.0% 0.9%
    Waukesha State Bank $349,885,000 $231,710,000 -33.8% 0.9%
    Bank Five Nine $379,585,000 $230,230,000 -39.3% 0.9%
    GUARANTEED RATE, INC. $262,785,000 $211,790,000 -19.4% 0.8%
    North Shore Bank FSB $315,120,000 $202,445,000 -35.8% 0.8%
    NEWREZ LLC $261,935,000 $195,730,000 -25.3% 0.7%
    ALTRA $313,175,000 $192,530,000 -38.5% 0.7%
    CAPITAL Credit Union $291,325,000 $191,605,000 -34.2% 0.7%
    Prosperity Home Mortgage, LLC $275,205,000 $176,690,000 -35.8% 0.7%
    WESTconsin Credit Union $225,580,000 $173,030,000 -23.3% 0.7%
    The Park Bank $242,135,000 $170,230,000 -29.7% 0.6%
    The Huntington National Bank $169,900,000 $168,170,000 -1.0% 0.6%
    Wells Fargo Bank $502,680,000 $162,795,000 -67.6% 0.6%
    A + MORTGAGE SERVICES, INC. $226,630,000 $156,000,000 -31.2% 0.6%
    Ixonia Bank $103,055,000 $154,955,000 50.4% 0.6%
    Bank of England $159,325,000 $148,780,000 -6.6% 0.6%
    Great Midwest Bank, S.S.B. $261,980,000 $147,735,000 -43.6% 0.6%
    National Exchange Bank and Trust $159,130,000 $132,560,000 -16.7% 0.5%
    Nations Lending Corporation $96,390,000 $127,310,000 32.1% 0.5%
    BERKADIA COMMERCIAL MORTGAGE LLC $57,590,000 $124,830,000 116.8% 0.5%
    PNC Bank $159,310,000 $123,695,000 -22.4% 0.5%
    Citibank $31,160,000 $120,815,000 287.7% 0.5%
    Town Bank, N.A. $206,150,000 $120,795,000 -41.4% 0.5%
    CARDINAL FINANCIAL $135,975,000 $113,350,000 -16.6% 0.4%
    Paramount Residential Mortgage Group, Inc. $130,205,000 $112,420,000 -13.7% 0.4%
    Tri City National Bank $214,500,000 $110,490,000 -48.5% 0.4%
    LOANDEPOT.COM, LLC $244,335,000 $108,385,000 -55.6% 0.4%
    Peoples State Bank $124,395,000 $106,300,000 -14.5% 0.4%
    Horicon Bank $93,095,000 $104,650,000 12.4% 0.4%
    MARINE $147,605,000 $101,430,000 -31.3% 0.4%
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION $109,825,000 $100,835,000 -8.2% 0.4%
    DMB Community Bank $232,650,000 $100,285,000 -56.9% 0.4%
    Bank of Sun Prairie $128,735,000 $96,905,000 -24.7% 0.4%
    V.I.P. MORTGAGE, INC. $8,765,000 $95,105,000 985.1% 0.4%
    CMG MORTGAGE, INC. $122,955,000 $94,915,000 -22.8% 0.4%
    DUPACO COMMUNITY $78,515,000 $92,460,000 17.8% 0.3%
    WISCONSIN MORTGAGE CORPORATION $147,080,000 $91,570,000 -37.7% 0.3%
    NAVY FEDERAL CREDIT UNION $103,770,000 $91,265,000 -12.1% 0.3%
    The Bank of New Glarus $84,835,000 $88,840,000 4.7% 0.3%
    PENNYMAC LOAN SERVICES, LLC $129,335,000 $87,405,000 -32.4% 0.3%
    The Port Washington State Bank $155,740,000 $84,430,000 -45.8% 0.3%
    River Bank $88,040,000 $83,055,000 -5.7% 0.3%
    VERVE, A CREDIT UNION $165,865,000 $80,485,000 -51.5% 0.3%
    COMPEER FINANCIAL, FLCA $107,395,000 $78,685,000 -26.7% 0.3%
    Citizens State Bank of La Crosse $149,595,000 $78,440,000 -47.6% 0.3%
    Waterstone Mortgage Corporation $167,790,000 $76,480,000 -54.4% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $167,170,000 $75,105,000 -55.1% 0.3%
    GSF Mortgage Corporation $70,225,000 $74,620,000 6.3% 0.3%
    Merchants Bank $136,985,000 $73,310,000 -46.5% 0.3%
    American Mortgage & Equity Consultants, Inc. $92,515,000 $72,190,000 -22.0% 0.3%