What people paid for mortgages in Calumet County, WI (2025)

Across 647 closed home-purchase loans in 2025, the median interest rate in Calumet was 6.5%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $3,380 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%–6.75%
Median total loan costs: $3,380
Median loan amount: $285,000

647 loans, 2025.

Refinance

Median rate: 6%
Middle half of rates: 5.5%–6.5%
Median total loan costs: $2,936
Median loan amount: $225,000

331 loans, 2025.

Lowest median rates in Calumet (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.Community First5.875%67 loans, median costs $3,039
2.CAPITAL Credit Union6%33 loans, median costs $3,001
3.FOX COMMUNITIES Credit Union6.125%28 loans, median costs $2,498
4.Mortgage Research Center, LLC6.25%10 loans, median costs $5,365
5.COVANTAGE CREDIT UNION6.312%10 loans, median costs $2,875

Among lenders with at least 10 closed purchase loans in Calumet County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Refinance

1.Community First5.375%52 loans, median costs $468
2.CAPITAL Credit Union5.938%12 loans, median costs $2,017
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.989%19 loans, median costs $4,759
4.FREEDOM MORTGAGE CORPORATION6.25%10 loans, median costs $5,590
5.Rocket Mortgage, LLC6.49%23 loans, median costs $7,615

Among lenders with at least 10 closed refinance loans in Calumet County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Calumet

Every lender that closed at least 5 qualifying loans in Calumet 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	Community First	67	5.875%	$3,039	$650	n/a
2	CAPITAL Credit Union	33	6%	$3,001	$645	n/a
3	FOX COMMUNITIES Credit Union	28	6.125%	$2,498	$695	n/a
4	Waterstone Mortgage Corporation	24	6.5%	$6,212	$3,722	$2,668
5	ENVOY MORTGAGE, LTD	24	6.5%	$6,207	$3,237	$2,908
6	Associated Bank, National Association	22	6.375%	$2,347	$800	$215
7	East Wisconsin Savings Bank	21	n/a	n/a	n/a	n/a
8	Fairway Independent Mortgage Corporation	19	6.625%	$5,568	$3,045	$1,716
9	Bank First, N.A.	18	6.625%	$2,684	$400	n/a
10	Wells Fargo Bank, National Association	18	6.562%	$3,503	$1,696	$575
11	Nicolet National Bank	17	6.625%	$3,045	$1,150	n/a
12	JPMorgan Chase Bank, National Association	17	6.5%	$3,703	$1,102	$1,772
13	Nations Lending Corporation	16	6.5%	$3,924	$1,712	$765
14	State Bank of Chilton	16	n/a	n/a	n/a	n/a
15	Home State Bank, National Association	15	6.75%	$4,471	$1,650	$772
16	Johnson Financial Group	15	6.5%	$2,175	$640	$1,166
17	Rocket Mortgage, LLC	12	6.87%	$7,435	$4,349	$4,368
18	GUILD MORTGAGE COMPANY	11	6.625%	$3,947	$1,744	$1,507
19	Zippy Loans, LLC	11	8%	$2,090	$1,852	n/a
20	COVANTAGE CREDIT UNION	10	6.312%	$2,875	$645	n/a
21	Mortgage Research Center, LLC	10	6.25%	$5,365	$0	$914
22	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	10	6.437%	$5,006	$2,138	$1,379
23	VERVE, A CREDIT UNION	8	6.062%	$3,203	$715	n/a
24	National Exchange Bank and Trust	7	6.5%	$1,938	$25	$446
25	COMPEER FINANCIAL, FLCA	7	7.25%	$3,499	$2,140	$1,424
26	PREMIER FINANCIAL CREDIT UNION	7	n/a	n/a	n/a	n/a
27	BLC Community Bank	7	n/a	n/a	n/a	n/a
28	POINT MORTGAGE CORPORATION	6	6.557%	$4,624	$1,983	$995
29	Bell Bank	6	6.562%	$2,971	$1,245	n/a
30	Barrington Bank & Trust Company, National Association	6	6.812%	$3,201	$925	$752
31	Collins State Bank	5	n/a	n/a	n/a	n/a
32	Paramount Residential Mortgage Group, Inc.	5	6.125%	$9,789	$4,283	$2,393
33	Navy Federal Credit Union	5	6.125%	$5,363	$0	$461
34	PRIMARY RESIDENTIAL MORTGAGE, INC.	5	6.625%	$13,160	$5,668	$2,400
35	TOWNE MORTGAGE COMPANY	5	6.875%	$4,054	$2,403	$2,820
36	U.S. Bank National Association	5	6.49%	$3,118	$1,020	$4,318

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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Calumet figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Calumet County in 2025?

The median interest rate on closed home-purchase loans in Calumet County, Wisconsin in 2025 was 6.5%, across 647 first-lien, owner-occupied loans. The middle half of borrowers got between 6% 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.