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

Across 899 closed home-purchase loans in 2025, the median interest rate in Walworth was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $3,774 on a median loan of $305,000. 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: $3,774
Median loan amount: $305,000

899 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.875%
Median total loan costs: $4,800
Median loan amount: $275,000

552 loans, 2025.

Lowest median rates in Walworth (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.GUARANTEED RATE, INC.6.5%46 loans, median costs $3,940
2.DIAMOND RESIDENTIAL MORTGAGE CORPORATION6.625%35 loans, median costs $4,135
3.Rocket Mortgage, LLC6.625%34 loans, median costs $6,063
4.Fairway Independent Mortgage Corporation6.688%66 loans, median costs $4,200

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

Refinance

1.PENNYMAC LOAN SERVICES, LLC5.995%16 loans, median costs $6,714
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%22 loans, median costs $6,487
3.EDUCATORS CREDIT UNION6.125%11 loans, median costs $1,195
4.Rocket Mortgage, LLC6.25%68 loans, median costs $7,489
5.FREEDOM MORTGAGE CORPORATION6.25%19 loans, median costs $4,731

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

Lender by lender in Walworth

Every lender that closed at least 5 qualifying loans in Walworth 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	Fairway Independent Mortgage Corporation	66	6.688%	$4,200	$1,840	$1,754
2	GUARANTEED RATE, INC.	46	6.5%	$3,940	$1,640	$1,533
3	DIAMOND RESIDENTIAL MORTGAGE CORPORATION	35	6.625%	$4,135	$1,470	$821
4	Rocket Mortgage, LLC	34	6.625%	$6,063	$3,693	$3,008
5	GUILD MORTGAGE COMPANY	29	6.5%	$3,886	$1,970	$942
6	AMERICAN PACIFIC MORTGAGE CORPORATION	29	6.625%	$4,736	$2,534	$2,366
7	Barrington Bank & Trust Company, National Association	28	6.87%	$2,804	$925	$541
8	EDUCATORS CREDIT UNION	23	6.375%	$2,673	$151	$3,656
9	JPMorgan Chase Bank, National Association	23	6.375%	$3,423	$1,520	$777
10	Associated Bank, National Association	22	6.375%	$2,513	$850	$1,049
11	The First National Bank and Trust Company	21	6.625%	$2,612	$958	$4,920
12	Johnson Financial Group	21	6.5%	$2,314	$640	$328
13	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	20	6.562%	$5,180	$3,635	$2,852
14	Mortgage Research Center, LLC	19	6.625%	$8,276	$2,931	$1,994
15	Summit Credit Union	16	6.188%	$3,249	$425	$1,097
16	WISCONSIN MORTGAGE CORPORATION	15	6.5%	$2,950	$1,245	$500
17	GREENSTATE Credit Union	15	6.375%	$3,054	$1,200	$1,106
18	The Huntington National Bank	13	6.625%	$4,825	$1,983	$2,385
19	NEWREZ LLC	13	6.75%	$1,717	$0	n/a
20	Landmark Credit Union	12	6.25%	$2,445	$974	$483
21	U.S. Bank National Association	12	6.625%	$3,799	$1,347	$902
22	Citizens Bank	11	n/a	n/a	n/a	n/a
23	CMG MORTGAGE, INC.	11	6.875%	$4,770	$2,671	$1,501
24	CROSSCOUNTRY MORTGAGE, INC.	11	6.75%	$6,414	$2,273	$2,035
25	University of Wisconsin Credit Union	10	6.375%	$3,362	$540	$1,718
26	Bank Five Nine	10	6.5%	$3,602	$1,075	n/a
27	Community State Bank	9	n/a	n/a	n/a	n/a
28	A + MORTGAGE SERVICES, INC.	9	6.75%	$2,775	$1,500	$1,312
29	Nations Lending Corporation	8	6.875%	$5,230	$1,520	$1,915
30	FIRST COLONY MORTGAGE CORPORATION	8	6.75%	$8,616	$3,713	$4,951
31	21st Mortgage Corporation	8	9.64%	n/a	n/a	n/a
32	The Greenwood's State Bank	7	6.875%	$2,890	$500	n/a
33	Broker Solutions, Inc.	7	6.875%	$3,710	$1,695	$688
34	MORTGAGE CENTER L.C	7	6.375%	$3,614	$1,400	$591
35	PRIMELENDING, A PLAINSCAPITAL COMPANY	6	6.625%	$6,736	$2,159	$3,914
36	PLANET HOME LENDING, LLC	6	6.375%	$10,086	$1,695	$4,995
37	Navy Federal Credit Union	6	6.062%	$2,122	$0	$232
38	Old National Bank	6	6.562%	$4,317	$1,587	$1,925
39	FIRST COMMUNITY MORTGAGE, INC.	6	6.933%	$4,463	$1,758	$2,372
40	UNION HOME MORTGAGE CORP.	6	6.562%	$4,138	$1,902	$819

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.

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What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in Walworth County, Wisconsin in 2025 was 6.625%, across 899 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.