Mortgage lending in Kenosha County
4,043 mortgages were originated in Kenosha County, Wisconsin, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,043
- Median rate
- 6.875%
- Median lender fees
- $3,286
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $185,000
- Above the going rate (spread over APOR)
- 0.280
- Paid discount points
- 27%
- Received lender credits
- 21.7%
- Purchases / refinances
- 40.3% / 34.5%
- Conventional / FHA / VA
- 84.8% / 8.5% / 6.7%
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 65.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $281,000
- That home, 20% down
- $224,800
A median-priced home with 20% down leaves $607,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Kenosha County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Educators Credit Union | 399 | $471 | 6.950% |
| Johnson Financial Group | 251 | $2,157 | 7.000% |
| Rocket Mortgage, LLC | 210 | $5,363 | 6.875% |
| American Pacific Mortgage Corporation | 187 | $6,227 | 6.625% |
| Trustone Financial Credit Union | 185 | $242 | 7.250% |
| Gateway Mortgage Corporation | 182 | $2,762 | 6.625% |
| JPMorgan Chase Bank, National Association | 102 | $2,902 | 6.625% |
| BMO Bank National Association | 94 | — | 8.280% |
| Bank Five Nine | 94 | $3,475 | 6.500% |
| Associated Bank, National Association | 92 | — | 6.875% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Kenosha County — not a rule of thumb.
From 2,647 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers