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

Across 773 closed home-purchase loans in 2025, the median interest rate in Manitowoc was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $3,160 on a median loan of $205,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.75%
Median total loan costs: $3,160
Median loan amount: $205,000

773 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $2,162
Median loan amount: $145,000

486 loans, 2025.

Lowest median rates in Manitowoc (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.UNITEDONE CREDIT UNION5.938%44 loans, median costs $2,109
2.Community First Credit Union5.995%30 loans, median costs $2,372
3.Fox Communities Credit Union6.375%56 loans, median costs $2,310
4.Associated Bank NA6.375%40 loans, median costs $2,400
5.KOHLER CREDIT UNION6.433%34 loans, median costs $3,217

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

Refinance

1.Community First Credit Union5.49%55 loans, median costs $483
2.UNITEDONE CREDIT UNION5.938%32 loans, median costs $773
3.KOHLER CREDIT UNION6.125%67 loans, median costs $1,398
4.Shoreline Credit Union6.375%31 loans, median costs $1,013
5.BANK FIRST N.A.6.5%35 loans, median costs $1,265

Among lenders with at least 30 closed refinance loans in Manitowoc County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in Manitowoc

Every lender that closed at least 5 qualifying loans in Manitowoc 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	BANK FIRST N.A.	83	6.5%	$2,789	$400	$1,290
2	Fox Communities Credit Union	56	6.375%	$2,310	$695	n/a
3	UNITEDONE CREDIT UNION	44	5.938%	$2,109	$500	n/a
4	Associated Bank NA	40	6.375%	$2,400	$889	$290
5	KOHLER CREDIT UNION	34	6.433%	$3,217	$900	n/a
6	Mortgage Research Center	33	6.5%	$7,113	$2,535	$587
7	Community First Credit Union	30	5.995%	$2,372	$650	n/a
8	ROCKET MORTGAGE	27	6.875%	$7,086	$3,177	$2,383
9	US BANK, N.A.	18	6.49%	$2,978	$1,020	$278
10	GUILD MORTGAGE COMPANY	16	6.688%	$4,541	$1,526	$1,083
11	GUARANTEED RATE, INC.	16	6.537%	$4,265	$1,640	$390
12	Servion	15	6.375%	$2,730	$975	$2,479
13	United Wholesale Mortgagebroker only	15	6.625%	$4,754	$1,885	$1,712
14	JOHNSON BANK	15	6.4%	$2,427	$533	$84
15	Collins State Bank	14	n/a	n/a	n/a	n/a
16	PLANET HOME LENDING, LLC	14	6.438%	$3,035	$958	$7,685
17	FAIRWAY INDEPENDENT MORT CORP	14	6.99%	$5,789	$2,475	$3,273
18	NATIONS LENDING CORPORATION	12	6.562%	$3,451	$1,645	$2,534
19	Shoreline Credit Union	12	6.375%	$2,238	$600	n/a
20	NEW AMERICAN FUNDING, LLC.	12	6.875%	$4,794	$1,736	$613
21	WELLS FARGO BANK NA	11	6.25%	$3,575	$1,375	$700
22	MLD MORTGAGE, INC.dba The Money Store	10	6.625%	$3,419	$1,495	$630
23	WATERSTONE MORTGAGE CORPORATION	10	7.058%	$5,624	$3,278	$2,199
24	First Colony Mortgage Corporation	9	6.375%	$6,266	$1,755	$2,378
25	ENVOY MORTGAGE, LTD	9	6.375%	$4,528	$2,070	$2,455
26	Union Home Mortgage Corp.	9	6.625%	$6,949	$1,930	$606
27	Nicolet National Bank	8	6.812%	$3,156	$1,175	n/a
28	GreenStone Farm Credit Services	8	6.55%	$3,503	$2,255	n/a
29	Barrington Bank & Trust Company, N.A.	7	6.875%	$2,858	$875	$548
30	PARAMOUNT RESIDENTIAL MORTGAGE	6	6.312%	$6,931	$2,032	$204
31	TOWNE MORTGAGE COMPANY	6	6.562%	$3,718	$1,772	$549
32	CAPITAL CREDIT UNION	6	6.25%	$2,613	$645	n/a
33	UW CREDIT UNION	5	6.5%	$2,486	$365	$547
34	Navy Federal Credit Union	5	6%	$3,411	$0	n/a
35	NATIONAL EXCHANGE BANK & TRUST	5	6.25%	$2,320	$58	n/a
36	Cleveland State Bank	5	n/a	n/a	n/a	n/a
37	Bell Bank	5	6.99%	$3,096	$1,243	$1,512

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

Request quotes on LendingTree

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.

What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in Manitowoc County, Wisconsin in 2025 was 6.5%, across 773 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.