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

Across 928 closed home-purchase loans in 2025, the median interest rate in Ozaukee was 6.625%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,057 on a median loan of $375,000. 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: 6.625%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,057
Median loan amount: $375,000

928 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.813%–6.75%
Median total loan costs: $2,726
Median loan amount: $315,000

504 loans, 2025.

Lowest median rates in Ozaukee (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 NA6.5%62 loans, median costs $2,438
2.JOHNSON BANK6.5%34 loans, median costs $2,654
3.Landmark Credit Union6.625%58 loans, median costs $2,275
4.A+ Mortgage Services Inc.6.688%32 loans, median costs $2,725
5.FAIRWAY INDEPENDENT MORT CORP6.875%47 loans, median costs $3,813

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

Refinance

1.KOHLER CREDIT UNION5.25%17 loans, median costs $2,300
2.North Shore Bank5.433%10 loans, median costs $2,371
3.ROCKET MORTGAGE5.99%29 loans, median costs $7,083
4.Nationstar Mortgage5.99%11 loans, median costs $8,681
5.PENNYMAC LOAN SERVICES LLC6.124%10 loans, median costs $2,569

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

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 Ozaukee

Every lender that closed at least 5 qualifying loans in Ozaukee 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	PORT WASHINGTON STATE BANK	64	n/a	n/a	n/a	n/a
2	Associated Bank NA	62	6.5%	$2,438	$900	$597
3	Landmark Credit Union	58	6.625%	$2,275	$799	$382
4	FAIRWAY INDEPENDENT MORT CORP	47	6.875%	$3,813	$1,884	$2,179
5	Bank Five Nine	34	6.875%	$3,775	$1,075	$231
6	JOHNSON BANK	34	6.5%	$2,654	$640	$2,506
7	A+ Mortgage Services Inc.	32	6.688%	$2,725	$1,500	n/a
8	Summit Credit Union	27	6%	$3,129	$463	$1,284
9	IXONIA BANK	26	6.99%	$3,605	$1,590	$5,213
10	Great Midwest Bank SSB	24	6.688%	$2,799	$250	$250
11	GUARANTEED RATE AFFINITY, LLC	24	6.75%	$3,523	$1,640	$1,578
12	UW CREDIT UNION	23	6.25%	$3,225	$780	$1,233
13	NEWREZ LLC	16	6.875%	$1,542	$0	$4,777
14	United Wholesale Mortgagebroker only	16	6.625%	$2,792	$1,133	$1,400
15	US BANK, N.A.	16	6.49%	$2,894	$1,020	$924
16	Huntington National Bank	15	6.625%	$3,015	$1,683	$1,600
17	ROCKET MORTGAGE	15	6.375%	$5,362	$2,522	$2,929
18	GUILD MORTGAGE COMPANY	14	6.625%	$5,270	$1,529	$3,161
19	KOHLER CREDIT UNION	13	6%	$3,732	$900	n/a
20	BANK FIRST N.A.	13	6.5%	$2,620	$400	n/a
21	THE EQUITABLE BANK SSB	13	6.25%	$4,010	$1,331	$702
22	First Colony Mortgage Corporation	12	6.938%	$3,280	$2,069	$1,247
23	CMG MORTGAGE INC	12	6.75%	$6,415	$3,252	$2,567
24	GUARANTEED RATE, INC.	12	6.55%	$3,755	$1,640	$3,440
25	JPMorgan Chase Bank, NA	12	6.625%	$3,020	$1,482	$1,481
26	BMO Harris Bank NA	11	6.75%	$2,854	$1,250	$4,947
27	PROSPERITY HOME MORTGAGE, LLC	11	6.125%	$4,834	$1,945	$1,624
28	Mortgage Research Center	11	5.99%	$5,752	$0	$2,337
29	EDUCATORS CREDIT UNION	11	6.375%	$2,285	$151	n/a
30	North Shore Bank	9	6.49%	$3,445	$810	$356
31	WAUKESHA STATE BANK	8	6.5%	$0	$0	n/a
32	First State Mortgage Services	7	6.625%	$2,854	$1,245	$532
33	ARK-LA-TEX FINANCIAL SERVICES LLC	7	6.99%	$4,974	$3,496	$2,006
34	PyraMax Bank	7	6.375%	$1,888	$678	n/a
35	Union Home Mortgage Corp.	7	7%	$3,895	$1,930	$1,470
36	PRIMELENDING	6	6.625%	$2,900	$1,210	$5,045
37	Town Bank, N.A.	6	n/a	n/a	n/a	n/a
38	WISCONSIN MORTGAGE CORPORATION	6	6.688%	$2,881	$1,245	$3,250
39	Barrington Bank & Trust Company, N.A.	6	6.25%	$2,675	$925	$2,724
40	PLANET HOME LENDING, LLC	5	6.5%	$3,689	$1,695	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

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What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in Ozaukee County, Wisconsin in 2025 was 6.625%, across 928 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% 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.