Mortgage lending in Racine County
5,489 mortgages were originated in Racine 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
- 5,489
- Median rate
- 6.750%
- Median lender fees
- $2,872
- Median loan amount
- $165,000
- Median spread over APOR
- 0.172
- Paid discount points
- 22.1%
- Received lender credits
- 24.4%
- Purchases / refinances
- 41.4% / 32.4%
- Conventional / FHA / VA
- 86.4% / 7.9% / 5.7%
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 64.1% 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 Racine County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EDUCATORS CREDIT UNION | 995 | $571 | 6.950% |
| Landmark Credit Union | 510 | $2,140 | 6.500% |
| Johnson Financial Group | 325 | $2,146 | 6.875% |
| Rocket Mortgage, LLC | 244 | $5,162 | 6.625% |
| Summit Credit Union | 181 | — | 7.000% |
| Fairway Independent Mortgage Corporation | 145 | $3,949 | 6.625% |
| North Shore Bank | 117 | — | 7.000% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 110 | $7,285 | 6.750% |
| University of Wisconsin Credit Union | 108 | — | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 100 | $5,157 | 6.125% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Racine County — not a rule of thumb.
From 3,521 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