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

Across 1,077 closed home-purchase loans in 2025, the median interest rate in La Crosse was 6.625%, and the middle half of borrowers got between 6.25% and 6.96%. Median total loan costs ran $3,174 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.96%
Median total loan costs: $3,174
Median loan amount: $265,000

1,077 loans, 2025.

Refinance

Median rate: 6.3%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $2,235
Median loan amount: $225,000

547 loans, 2025.

Lowest median rates in La Crosse (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.Associated Bank, National Association6.312%34 loans, median costs $2,692
2.Servion, Inc.6.5%52 loans, median costs $2,944
3.CONSUMER REAL ESTATE FINANCE CO.6.625%60 loans, median costs $3,700
4.Merchants Bank, National Association6.65%31 loans, median costs $2,739
5.UNION HOME MORTGAGE CORP.6.75%30 loans, median costs $4,775

Among lenders with at least 30 closed purchase loans in La Crosse County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.611%18 loans, median costs $4,799
2.Mortgage Research Center, LLC5.75%11 loans, median costs $4,909
3.Rocket Mortgage, LLC5.99%18 loans, median costs $6,542
4.UNION HOME MORTGAGE CORP.6.058%10 loans, median costs $5,418
5.FREEDOM MORTGAGE CORPORATION6.188%10 loans, median costs $5,749

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

Lender by lender in La Crosse

Every lender that closed at least 5 qualifying loans in La Crosse 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	ALTRA Federal Credit Union	328	6.8%	$2,365	$580	$1,902
2	CONSUMER REAL ESTATE FINANCE CO.	60	6.625%	$3,700	$1,690	$1,637
3	Servion, Inc.	52	6.5%	$2,944	$624	$2,665
4	Associated Bank, National Association	34	6.312%	$2,692	$900	$307
5	Merchants Bank, National Association	31	6.65%	$2,739	$925	n/a
6	UNION HOME MORTGAGE CORP.	30	6.75%	$4,775	$1,955	$1,290
7	State Bank Financial	29	n/a	n/a	n/a	n/a
8	Mortgage Research Center, LLC	26	6.25%	$5,255	$1,479	$862
9	FIREFIGHTERS CREDIT UNION	23	6%	$3,109	$624	n/a
10	WNB FINANCIAL, N.A.	21	6.625%	$5,005	$2,885	n/a
11	Alerus Financial, National Association	21	6.625%	$3,077	$1,094	$635
12	Coulee Bank	20	n/a	n/a	n/a	n/a
13	CROSSCOUNTRY MORTGAGE, INC.	20	6.787%	$4,802	$2,173	$1,228
14	Citizens State Bank of La Crosse	18	6.75%	$3,591	$1,200	n/a
15	Granite Bank	17	6.625%	$4,902	$1,933	$800
16	U.S. Bank National Association	16	6.5%	$3,255	$1,146	$723
17	The First National Bank Of Bangor	15	n/a	n/a	n/a	n/a
18	Rocket Mortgage, LLC	15	6.75%	$5,928	$2,089	$2,962
19	Bluff View Bank	13	n/a	n/a	n/a	n/a
20	University of Wisconsin Credit Union	11	6.375%	$3,259	$365	$1,995
21	Union State Bank	11	n/a	n/a	n/a	n/a
22	1st Community Credit Union	10	7.557%	$2,647	$495	n/a
23	Prosperity Home Mortgage, LLC	8	6.312%	$5,370	$2,389	$2,233
24	CO-OP Credit Union	8	6.5%	$2,243	$595	n/a
25	VERVE, A CREDIT UNION	8	6.062%	$3,270	$715	n/a
26	Zippy Loans, LLC	8	8%	$2,021	$1,805	n/a
27	Citizens First Bank	7	n/a	n/a	n/a	n/a
28	Park Bank	7	n/a	n/a	n/a	n/a
29	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	7	6.249%	$3,475	$1,790	$1,467
30	EVERETT FINANCIAL, INC.	7	6.625%	$7,999	$3,681	$975
31	USAA Federal Savings Bank	7	6.625%	$7,956	$0	$5,980
32	Navy Federal Credit Union	6	6.062%	$2,602	$0	n/a
33	FIRST COLONY MORTGAGE CORPORATION	6	7.062%	$4,929	$1,629	$930
34	River Bank	6	n/a	n/a	n/a	n/a
35	Old National Bank	5	5.75%	$4,991	$1,100	$168
36	Broker Solutions, Inc.	5	6.375%	$8,196	$2,210	$1,963
37	Fairway Independent Mortgage Corporation	5	6.75%	$6,669	$1,717	$2,073
38	Royal Credit Union	5	6.875%	$3,555	$1,077	$610
39	Citizens Community Federal National Association	5	6.75%	$3,168	$645	$279
40	21st Mortgage Corporation	5	9.9%	n/a	n/a	n/a

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 La Crosse figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in La Crosse County in 2025?

The median interest rate on closed home-purchase loans in La Crosse County, Wisconsin in 2025 was 6.625%, across 1,077 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.96%.

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.