Mortgage lending in La Crosse County
2,910 mortgages were originated in La Crosse 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
- 2,910
- Median rate
- 6.625%
- Median lender fees
- $2,746
- Median loan amount
- $185,000
- Median spread over APOR
- 0.200
- Paid discount points
- 13.5%
- Received lender credits
- 13.2%
- Purchases / refinances
- 45.7% / 31.5%
- Conventional / FHA / VA
- 92.3% / 2.8% / 4.8%
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 55.5% 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 La Crosse County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ALTRA Federal Credit Union | 1,029 | $2,098 | 6.625% |
| CONSUMER REAL ESTATE FINANCE CO. | 108 | $3,727 | 6.750% |
| Servion, Inc. | 98 | $2,498 | 6.375% |
| Associated Bank, National Association | 87 | — | 6.875% |
| Merchants Bank, National Association | 84 | — | 6.525% |
| FIREFIGHTERS CREDIT UNION | 79 | $1,730 | 7.250% |
| Governmental Employees Credit Union | 76 | — | — |
| The First National Bank Of Bangor | 71 | — | — |
| State Bank Financial | 59 | — | — |
| Rocket Mortgage, LLC | 55 | $4,308 | 6.875% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in La Crosse County — not a rule of thumb.
From 1,616 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