What people paid for mortgages in Milwaukee County, WI (2025)
Across 7,046 closed home-purchase loans in 2025, the median interest rate in Milwaukee was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $3,262 on a median loan of $255,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $3,262
- Median loan amount
- $255,000
7,046 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $3,613
- Median loan amount
- $205,000
3,407 loans, 2025.
Lowest median rates in Milwaukee (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.EDUCATORS CREDIT UNION6.25%211 loans, median costs $2,330
- 2.Mortgage Research Center, LLC6.25%139 loans, median costs $3,612
- 3.Associated Bank, National Association6.375%291 loans, median costs $2,488
- 4.JPMorgan Chase Bank, National Association6.375%177 loans, median costs $2,390
- 5.Summit Credit Union6.375%156 loans, median costs $2,878
Among lenders with at least 30 closed purchase loans in Milwaukee County in 2025.
Refinance
- 1.Tri City National Bank5.99%39 loans, median costs $2,313
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6%178 loans, median costs $6,582
- 3.PENNYMAC LOAN SERVICES, LLC6%109 loans, median costs $5,858
- 4.Rocket Mortgage, LLC6.125%329 loans, median costs $6,785
- 5.EDUCATORS CREDIT UNION6.125%158 loans, median costs $1,570
Among lenders with at least 30 closed refinance loans in Milwaukee County in 2025.
Lender by lender in Milwaukee
Every lender that closed at least 5 qualifying loans in Milwaukee 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 | Landmark Credit Union | 467 | 6.5% | $2,230 | $799 | $654 |
| 2 | Fairway Independent Mortgage Corporation | 410 | 6.75% | $4,600 | $2,327 | $2,133 |
| 3 | University of Wisconsin Credit Union | 326 | 6.5% | $2,982 | $365 | $1,469 |
| 4 | Associated Bank, National Association | 291 | 6.375% | $2,488 | $900 | $339 |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 269 | 6.624% | $4,242 | $1,300 | $1,045 |
| 6 | Ixonia Bank | 249 | 6.75% | $3,845 | $1,590 | $1,853 |
| 7 | Rocket Mortgage, LLC | 233 | 6.5% | $5,710 | $2,834 | $1,947 |
| 8 | Bank Five Nine | 226 | 6.625% | $3,631 | $1,075 | $673 |
| 9 | Johnson Financial Group | 213 | 6.5% | $2,345 | $640 | $1,105 |
| 10 | EDUCATORS CREDIT UNION | 211 | 6.25% | $2,330 | $171 | $1,875 |
| 11 | A + MORTGAGE SERVICES, INC. | 199 | 6.75% | $2,750 | $1,500 | $860 |
| 12 | JPMorgan Chase Bank, National Association | 177 | 6.375% | $2,390 | $650 | $1,380 |
| 13 | GUILD MORTGAGE COMPANY | 165 | 6.625% | $4,416 | $2,017 | $1,543 |
| 14 | Summit Credit Union | 156 | 6.375% | $2,878 | $425 | $865 |
| 15 | Mortgage Research Center, LLC | 139 | 6.25% | $3,612 | $0 | $1,132 |
| 16 | CMG MORTGAGE, INC. | 135 | 6.625% | $4,833 | $1,940 | $1,477 |
| 17 | BMO Bank National Association | 116 | 6.625% | $3,308 | $1,250 | $597 |
| 18 | NEWREZ LLC | 116 | 6.49% | $2,357 | $648 | $2,238 |
| 19 | WISCONSIN MORTGAGE CORPORATION | 102 | 6.5% | $3,063 | $1,245 | $534 |
| 20 | GUARANTEED RATE, INC. | 97 | 6.75% | $3,521 | $1,640 | $621 |
| 21 | The Huntington National Bank | 93 | 6.625% | $3,020 | $1,495 | $1,004 |
| 22 | U.S. Bank National Association | 80 | 6.625% | $2,774 | $1,020 | $731 |
| 23 | UNION HOME MORTGAGE CORP. | 76 | 6.625% | $2,918 | $1,385 | $375 |
| 24 | Old National Bank | 75 | 6.375% | $2,681 | $975 | $211 |
| 25 | FIRST COLONY MORTGAGE CORPORATION | 73 | 6.5% | $3,720 | $1,290 | $895 |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 6.875% | $3,238 | $1,301 | $894 |
| 27 | Great Midwest Bank, S.S.B. | 67 | 6.75% | $2,519 | $250 | $513 |
| 28 | Barrington Bank & Trust Company, National Association | 66 | 6.5% | $3,272 | $1,511 | $983 |
| 29 | PROVIDENT FUNDING ASSOCIATES, L.P. | 64 | 6.75% | $2,662 | $1,125 | $684 |
| 30 | Nations Lending Corporation | 63 | 6.75% | $3,621 | $1,495 | $1,736 |
| 31 | Prosperity Home Mortgage, LLC | 63 | 6.5% | $2,823 | $995 | $1,025 |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 62 | 6.787% | $5,043 | $2,246 | $1,640 |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 6.75% | $5,418 | $2,814 | $1,986 |
| 34 | GUARANTEED RATE AFFINITY, LLC | 54 | 6.763% | $3,713 | $1,640 | $1,673 |
| 35 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 51 | 6.5% | $5,130 | $1,495 | $999 |
| 36 | Bell Bank | 50 | 6.375% | $3,120 | $1,593 | $868 |
| 37 | The Equitable Bank, S.S.B. | 48 | 6.375% | $3,690 | $1,331 | $112 |
| 38 | CIBM Bank | 48 | 6.625% | $2,981 | $1,098 | $641 |
| 39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 46 | 6.75% | $7,167 | $4,161 | $3,376 |
| 40 | Broker Solutions, Inc. | 43 | 6.875% | $4,485 | $2,285 | $1,113 |
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 Milwaukee figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Milwaukee County in 2025?
The median interest rate on closed home-purchase loans in Milwaukee County, Wisconsin in 2025 was 6.625%, across 7,046 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.
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.