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

Across 515 closed home-purchase loans in 2025, the median interest rate in Waupaca was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,331 on a median loan of $205,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,331
Median loan amount: $205,000

515 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.615%–6.625%
Median total loan costs: $2,660
Median loan amount: $175,000

308 loans, 2025.

Lowest median rates in Waupaca (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 First5.995%54 loans, median costs $2,611
2.FOX COMMUNITIES Credit Union6.125%35 loans, median costs $2,627
3.Mortgage Research Center, LLC6.188%22 loans, median costs $4,964
4.Bank First, N.A.6.25%25 loans, median costs $2,433
5.Rocket Mortgage, LLC6.375%17 loans, median costs $6,156

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

Refinance

1.Community First5.49%61 loans, median costs $468
2.COVANTAGE CREDIT UNION5.625%27 loans, median costs $1,803
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.124%19 loans, median costs $8,656
4.FOX COMMUNITIES Credit Union6.125%21 loans, median costs $1,657
5.FREEDOM MORTGAGE CORPORATION6.25%18 loans, median costs $3,665

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

Lender by lender in Waupaca

Every lender that closed at least 5 qualifying loans in Waupaca 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	54	5.995%	$2,611	$650	n/a
2	FOX COMMUNITIES Credit Union	35	6.125%	$2,627	$695	n/a
3	GUILD MORTGAGE COMPANY	25	6.625%	$3,608	$1,523	$780
4	Bank First, N.A.	25	6.25%	$2,433	$400	$842
5	COVANTAGE CREDIT UNION	22	6.5%	$3,136	$645	$695
6	Mortgage Research Center, LLC	22	6.188%	$4,964	$1,879	$1,389
7	Wolf River Community Bank	20	n/a	n/a	n/a	n/a
8	Ixonia Bank	18	6.625%	$5,603	$2,278	$1,150
9	Rocket Mortgage, LLC	17	6.375%	$6,156	$2,820	$2,879
10	Waterstone Mortgage Corporation	17	6.5%	$4,523	$2,757	$2,605
11	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	15	6.522%	$5,206	$1,694	$1,309
12	Fairway Independent Mortgage Corporation	14	6.562%	$5,538	$2,668	$1,310
13	Barrington Bank & Trust Company, National Association	12	6.875%	$3,337	$875	$761
14	Zippy Loans, LLC	10	8%	$2,072	$1,805	n/a
15	Nations Lending Corporation	9	6.99%	$3,978	$1,645	$1,971
16	Home State Bank, National Association	9	6.5%	$4,488	$1,650	$370
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	9	6.99%	$5,874	$3,786	$2,461
18	Premier Community Bank	9	n/a	n/a	n/a	n/a
19	First Federal Bank	9	6.5%	$3,517	$895	$215
20	East Wisconsin Savings Bank	8	n/a	n/a	n/a	n/a
21	U.S. Bank National Association	8	6.438%	$3,385	$1,287	$894
22	Nicolet National Bank	7	6.625%	$3,483	$1,175	n/a
23	GreenStone Farm Credit Services, FLCA	7	6.9%	$4,747	$2,507	n/a
24	PRIMARY RESIDENTIAL MORTGAGE, INC.	7	6.625%	$9,208	$4,479	$1,564
25	CAPITAL Credit Union	7	5.875%	$2,957	$645	n/a
26	Johnson Financial Group	6	6.75%	$2,564	$533	$57
27	Associated Bank, National Association	6	6.562%	$2,988	$928	$337
28	Navy Federal Credit Union	5	6.125%	$2,611	$0	n/a
29	AMERICAN PACIFIC MORTGAGE CORPORATION	5	6.5%	$8,191	$2,940	$3,022
30	JPMorgan Chase Bank, National Association	5	6.625%	$4,166	$1,901	$946

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 Waupaca County in 2025?

The median interest rate on closed home-purchase loans in Waupaca County, Wisconsin in 2025 was 6.5%, across 515 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.