Mortgage lending in Manitowoc County
2,251 mortgages were originated in Manitowoc 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
- 2,251
- Median rate
- 6.500%
- Median lender fees
- $2,345
- Median loan amount
- $145,000
- Median spread over APOR
- 0.173
- Paid discount points
- 16.2%
- Received lender credits
- 18.9%
- Purchases / refinances
- 42% / 35.1%
- Conventional / FHA / VA
- 88.2% / 5.6% / 6%
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 72.6% 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 Manitowoc County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bank First, N.A. | 253 | $1,940 | 6.950% |
| UNITEDONE Credit Union | 218 | $644 | 6.000% |
| Community First | 199 | $463 | 5.490% |
| KOHLER CREDIT UNION | 185 | $1,859 | 6.875% |
| FOX COMMUNITIES Credit Union | 150 | $1,764 | 6.500% |
| SHORELINE CREDIT UNION | 115 | $900 | 6.625% |
| Associated Bank, National Association | 93 | $2,389 | 6.625% |
| Rocket Mortgage, LLC | 73 | $5,611 | 6.875% |
| U.S. Bank National Association | 57 | — | 7.375% |
What lenders charged here
Lender fees on a $145,000 loan, based on what was actually charged in Manitowoc County — not a rule of thumb.
From 1,635 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