What people paid for mortgages in Brown County, WI (2025)
Across 2,608 closed home-purchase loans in 2025, the median interest rate in Brown was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $3,335 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $3,335
- Median loan amount
- $285,000
2,608 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $2,692
- Median loan amount
- $235,000
1,367 loans, 2025.
Lowest median rates in Brown (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.PCM Credit Union5.75%50 loans, median costs $1,609
- 2.Community First5.99%74 loans, median costs $2,390
- 3.CAPITAL Credit Union6.125%185 loans, median costs $2,961
- 4.FOX COMMUNITIES Credit Union6.125%176 loans, median costs $2,329
- 5.Mortgage Research Center, LLC6.25%51 loans, median costs $4,174
Among lenders with at least 30 closed purchase loans in Brown County in 2025.
Refinance
- 1.Community First5.49%92 loans, median costs $486
- 2.PCM Credit Union5.75%53 loans, median costs $1,211
- 3.COVANTAGE CREDIT UNION5.75%51 loans, median costs $2,142
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%111 loans, median costs $4,495
- 5.CAPITAL Credit Union6%116 loans, median costs $1,809
Among lenders with at least 30 closed refinance loans in Brown County in 2025.
Lender by lender in Brown
Every lender that closed at least 5 qualifying loans in Brown County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Associated Bank, National Association | 208 | 6.375% | $2,478 | $900 | $162 |
| 2 | CAPITAL Credit Union | 185 | 6.125% | $2,961 | $645 | $2,977 |
| 3 | Nicolet National Bank | 179 | 6.625% | $3,593 | $1,150 | n/a |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 177 | 6.5% | $4,012 | $1,690 | $1,196 |
| 5 | FOX COMMUNITIES Credit Union | 176 | 6.125% | $2,329 | $695 | n/a |
| 6 | FIRST COLONY MORTGAGE CORPORATION | 166 | 6.375% | $6,045 | $3,392 | $514 |
| 7 | Nations Lending Corporation | 94 | 6.625% | $3,546 | $1,645 | $1,029 |
| 8 | Johnson Financial Group | 88 | 6.525% | $2,699 | $640 | $370 |
| 9 | Community First | 74 | 5.99% | $2,390 | $650 | n/a |
| 10 | GUARANTEED RATE, INC. | 70 | 6.588% | $3,521 | $1,640 | $1,336 |
| 11 | U.S. Bank National Association | 61 | 6.375% | $3,144 | $1,020 | $761 |
| 12 | MLD MORTGAGE INC. | 56 | 6.625% | $3,269 | $1,495 | $2,019 |
| 13 | Bank First, N.A. | 55 | 6.5% | $2,965 | $400 | n/a |
| 14 | Mortgage Research Center, LLC | 51 | 6.25% | $4,174 | $2,126 | $518 |
| 15 | PCM Credit Union | 50 | 5.75% | $1,609 | $0 | n/a |
| 16 | Rocket Mortgage, LLC | 46 | 6.625% | $5,787 | $3,165 | $3,456 |
| 17 | GUILD MORTGAGE COMPANY | 37 | 6.625% | $4,464 | $1,748 | $954 |
| 18 | Waterstone Mortgage Corporation | 37 | 6.75% | $4,928 | $3,080 | $1,843 |
| 19 | COVANTAGE CREDIT UNION | 36 | 6.375% | $2,481 | $645 | $791 |
| 20 | Barrington Bank & Trust Company, National Association | 28 | 6.562% | $2,514 | $975 | $2,417 |
| 21 | Summit Credit Union | 27 | 6.5% | $2,996 | $425 | $364 |
| 22 | Luminate Bank | 27 | 7.125% | $3,489 | $1,740 | $551 |
| 23 | Wells Fargo Bank, National Association | 27 | 6.625% | $3,598 | $1,588 | $598 |
| 24 | POINT MORTGAGE CORPORATION | 26 | 6.495% | $4,115 | $1,395 | $598 |
| 25 | MOVEMENT MORTGAGE, LLC | 26 | 6.625% | $4,924 | $2,246 | $911 |
| 26 | JPMorgan Chase Bank, National Association | 23 | 6.375% | $3,587 | $1,940 | $1,396 |
| 27 | Fairway Independent Mortgage Corporation | 22 | 6.875% | $5,307 | $2,391 | $2,152 |
| 28 | University of Wisconsin Credit Union | 18 | 6.5% | $3,432 | $653 | $1,971 |
| 29 | Bank Five Nine | 18 | 6.375% | $4,225 | $1,075 | $176 |
| 30 | North Shore Bank | 17 | 6.375% | $3,459 | $560 | n/a |
| 31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 15 | 6.875% | $7,332 | $4,185 | $2,478 |
| 32 | BMO Bank National Association | 14 | 6.75% | $3,081 | $1,250 | $1,915 |
| 33 | Bank of Luxemburg | 14 | n/a | n/a | n/a | n/a |
| 34 | Navy Federal Credit Union | 13 | 5.625% | $2,896 | $0 | n/a |
| 35 | LOWER, LLC | 12 | 6.375% | $7,500 | $5,385 | $749 |
| 36 | Ixonia Bank | 12 | 6.75% | $5,580 | $1,744 | $3,162 |
| 37 | N.E.W. CREDIT UNION | 11 | 5.49% | $2,297 | $500 | n/a |
| 38 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 6.625% | $3,651 | $1,890 | $291 |
| 39 | MARINE CREDIT UNION | 11 | 8.63% | $6,765 | $4,995 | n/a |
| 40 | CMG MORTGAGE, INC. | 10 | 6.812% | $4,444 | $2,192 | $1,979 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Brown figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Brown County in 2025?
The median interest rate on closed home-purchase loans in Brown County, Wisconsin in 2025 was 6.5%, across 2,608 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.