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

Across 2,173 closed home-purchase loans in 2025, the median interest rate in Outagamie was 6.49%, and the middle half of borrowers got between 6.05% and 6.75%. Median total loan costs ran $3,387 on a median loan of $265,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.49%
Middle half of rates: 6.05%–6.75%
Median total loan costs: $3,387
Median loan amount: $265,000

2,173 loans, 2025.

Refinance

Median rate: 6%
Middle half of rates: 5.625%–6.5%
Median total loan costs: $2,285
Median loan amount: $205,000

1,158 loans, 2025.

Lowest median rates in Outagamie (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%255 loans, median costs $2,768
2.CAPITAL Credit Union6.062%112 loans, median costs $2,900
3.FOX COMMUNITIES Credit Union6.125%163 loans, median costs $2,562
4.Mortgage Research Center, LLC6.25%37 loans, median costs $4,917
5.Associated Bank, National Association6.375%66 loans, median costs $2,493

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

Refinance

1.Community First5.49%238 loans, median costs $481
2.COVANTAGE CREDIT UNION5.562%42 loans, median costs $1,909
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%65 loans, median costs $5,575
4.CAPITAL Credit Union6%58 loans, median costs $1,752
5.FOX COMMUNITIES Credit Union6.125%96 loans, median costs $1,228

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

Lender by lender in Outagamie

Every lender that closed at least 5 qualifying loans in Outagamie 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	255	5.875%	$2,768	$650	n/a
2	FOX COMMUNITIES Credit Union	163	6.125%	$2,562	$695	n/a
3	CAPITAL Credit Union	112	6.062%	$2,900	$645	n/a
4	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	92	6.565%	$3,504	$1,685	$976
5	Fairway Independent Mortgage Corporation	90	6.688%	$5,431	$2,813	$1,733
6	Home State Bank, National Association	87	6.5%	$4,204	$1,650	$720
7	Nicolet National Bank	76	6.75%	$3,461	$1,175	n/a
8	Wells Fargo Bank, National Association	74	6.625%	$3,777	$1,698	$495
9	Associated Bank, National Association	66	6.375%	$2,493	$900	$354
10	GUILD MORTGAGE COMPANY	61	6.625%	$4,182	$1,748	$1,316
11	Johnson Financial Group	53	6.625%	$2,183	$640	$183
12	East Wisconsin Savings Bank	50	n/a	n/a	n/a	n/a
13	Nations Lending Corporation	50	6.625%	$4,068	$1,645	$623
14	Waterstone Mortgage Corporation	50	6.5%	$5,680	$3,385	$2,586
15	Rocket Mortgage, LLC	43	6.625%	$6,898	$2,839	$4,325
16	Mortgage Research Center, LLC	37	6.25%	$4,917	$1,488	$748
17	BLC Community Bank	36	n/a	n/a	n/a	n/a
18	FIRST COLONY MORTGAGE CORPORATION	32	6.375%	$5,742	$1,816	$439
19	COVANTAGE CREDIT UNION	29	6.375%	$3,348	$645	$972
20	Ixonia Bank	29	6.75%	$4,292	$1,725	$1,241
21	Wolf River Community Bank	27	n/a	n/a	n/a	n/a
22	U.S. Bank National Association	26	6.433%	$3,067	$1,020	$581
23	POINT MORTGAGE CORPORATION	25	6.5%	$4,044	$1,395	$479
24	GUARANTEED RATE, INC.	25	6.5%	$3,810	$1,640	$854
25	JPMorgan Chase Bank, National Association	25	6.375%	$2,754	$794	$1,099
26	Barrington Bank & Trust Company, National Association	21	6.875%	$2,950	$875	$1,680
27	Bank Five Nine	18	6.812%	$3,414	$1,075	$26
28	PRIMARY RESIDENTIAL MORTGAGE, INC.	18	6.562%	$10,333	$6,516	$4,949
29	UNISON CREDIT UNION	18	5.5%	$1,927	$570	n/a
30	Luminate Bank	18	7.188%	$3,565	$1,859	$1,644
31	Bank First, N.A.	16	6.688%	$2,460	$400	$1,806
32	University of Wisconsin Credit Union	15	6.25%	$2,859	$365	$1,275
33	Wolfe Financial, Inc	15	7.125%	$6,123	$4,220	$1,340
34	PROSPERA Credit Union	14	n/a	n/a	n/a	n/a
35	BMO Bank National Association	13	6.75%	$4,024	$1,250	$738
36	V.I.P. MORTGAGE, INC.	13	6.5%	$6,311	$1,510	$1,244
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	13	6.375%	$7,205	$5,047	$35
38	Navy Federal Credit Union	11	6.125%	$2,529	$0	$4,079
39	TRIAD FINANCIAL SERVICES, INC.	9	9.25%	n/a	n/a	n/a
40	NEWREZ LLC	9	6.625%	$2,716	$0	$1,264

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

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

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

Common questions

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

The median interest rate on closed home-purchase loans in Outagamie County, Wisconsin in 2025 was 6.49%, across 2,173 first-lien, owner-occupied loans. The middle half of borrowers got between 6.05% 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.