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

Across 1,774 closed home-purchase loans in 2025, the median interest rate in Winnebago was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $3,396 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.75%
Median total loan costs: $3,396
Median loan amount: $235,000

1,774 loans, 2025.

Refinance

Median rate: 6%
Middle half of rates: 5.6%–6.625%
Median total loan costs: $2,512
Median loan amount: $175,000

898 loans, 2025.

Lowest median rates in Winnebago (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 First5.99%183 loans, median costs $2,760
2.CAPITAL Credit Union6%49 loans, median costs $2,801
3.FOX COMMUNITIES Credit Union6.062%78 loans, median costs $2,389
4.VERVE, A CREDIT UNION6.24%46 loans, median costs $3,288
5.Mortgage Research Center, LLC6.25%54 loans, median costs $5,397

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

Refinance

1.Community First5.49%201 loans, median costs $468
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.941%61 loans, median costs $4,093
3.FOX COMMUNITIES Credit Union6.125%36 loans, median costs $1,068
4.Rocket Mortgage, LLC6.25%76 loans, median costs $6,789
5.FREEDOM MORTGAGE CORPORATION6.25%36 loans, median costs $5,195

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

Lender by lender in Winnebago

Every lender that closed at least 5 qualifying loans in Winnebago 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	183	5.99%	$2,760	$650	n/a
2	FOX COMMUNITIES Credit Union	78	6.062%	$2,389	$695	n/a
3	Fairway Independent Mortgage Corporation	75	6.625%	$5,025	$2,888	$1,522
4	Associated Bank, National Association	70	6.375%	$2,395	$900	$392
5	Nations Lending Corporation	64	6.625%	$4,101	$1,681	$633
6	Home State Bank, National Association	64	6.375%	$4,246	$1,650	$419
7	GUILD MORTGAGE COMPANY	63	6.625%	$4,267	$1,528	$771
8	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	60	6.529%	$3,749	$1,570	$504
9	U.S. Bank National Association	55	6.375%	$3,198	$1,020	$889
10	Wells Fargo Bank, National Association	55	6.625%	$3,909	$1,375	$531
11	Mortgage Research Center, LLC	54	6.25%	$5,397	$121	$1,198
12	Nicolet National Bank	49	6.75%	$2,840	$1,175	n/a
13	Waterstone Mortgage Corporation	49	6.5%	$5,041	$2,999	$1,998
14	CAPITAL Credit Union	49	6%	$2,801	$645	$3,065
15	VERVE, A CREDIT UNION	46	6.24%	$3,288	$715	$10,265
16	Rocket Mortgage, LLC	44	6.625%	$6,412	$3,693	$3,046
17	COVANTAGE CREDIT UNION	31	6.5%	$2,819	$645	$802
18	Johnson Financial Group	25	6.45%	$2,259	$640	$181
19	Barrington Bank & Trust Company, National Association	24	6.812%	$2,895	$875	$1,531
20	Bank First, N.A.	23	6.375%	$2,732	$400	n/a
21	Fox Valley Savings Bank	20	n/a	n/a	n/a	n/a
22	Fortifi Bank	18	n/a	n/a	n/a	n/a
23	WINNEBAGO COMMUNITY	17	n/a	n/a	n/a	n/a
24	East Wisconsin Savings Bank	15	n/a	n/a	n/a	n/a
25	Old National Bank	15	6.125%	$2,907	$1,100	$398
26	POINT MORTGAGE CORPORATION	14	6.625%	$4,452	$1,395	$1,098
27	University of Wisconsin Credit Union	14	6.625%	$2,498	$365	$1,862
28	Bank Five Nine	14	6.938%	$3,486	$1,075	n/a
29	JPMorgan Chase Bank, National Association	14	6.625%	$2,792	$983	$2,106
30	Zippy Loans, LLC	14	8%	$2,338	$1,962	n/a
31	FIRST COLONY MORTGAGE CORPORATION	13	6.625%	$5,699	$2,325	$65
32	Ixonia Bank	13	6.75%	$4,520	$1,725	$1,733
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	13	6.75%	$8,032	$3,708	$6,117
34	PRIMARY RESIDENTIAL MORTGAGE, INC.	12	6.75%	$9,502	$4,558	$5,610
35	Horicon Bank	12	6.5%	$2,574	$180	$5,662
36	AMERICAN PACIFIC MORTGAGE CORPORATION	12	6.562%	$5,290	$2,551	$1,384
37	BMO Bank National Association	11	6.375%	$3,366	$1,250	$388
38	Wolfe Financial, Inc	11	7.25%	$6,747	$3,963	$848
39	National Exchange Bank and Trust	11	5.75%	$2,324	$41	$1,780
40	MUTUAL OF OMAHA MORTGAGE, INC.	11	6.875%	$4,716	$2,458	$682

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 Winnebago figures above, in your browser, without storing anything.

Common questions

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

The median interest rate on closed home-purchase loans in Winnebago County, Wisconsin in 2025 was 6.5%, across 1,774 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% 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.