Mortgage lending in Columbia County
2,026 mortgages were originated in Columbia County, Wisconsin, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,026
- Median rate
- 6.750%
- Median lender fees
- $3,139
- Median loan amount
- $175,000
- Median spread over APOR
- -0.013
- Paid discount points
- 20.3%
- Received lender credits
- 22.5%
- Purchases / refinances
- 38.6% / 37.2%
- Conventional / FHA / VA
- 90.3% / 4.5% / 4.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 50.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Columbia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Summit Credit Union | 649 | $2,481 | 6.875% |
| University of Wisconsin Credit Union | 212 | $2,992 | 6.625% |
| Associated Bank, National Association | 78 | — | 7.000% |
| Fairway Independent Mortgage Corporation | 63 | $3,924 | 6.625% |
| Bank First, N.A. | 58 | — | 6.875% |
| Rocket Mortgage, LLC | 52 | $4,075 | 6.990% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Columbia County — not a rule of thumb.
From 1,029 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers