Mortgage lending in St. Croix County
2,808 mortgages were originated in St. Croix 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
- 2,808
- Median rate
- 6.750%
- Median lender fees
- $3,915
- Median loan amount
- $245,000
- Median spread over APOR
- 0.240
- Paid discount points
- 34%
- Received lender credits
- 21%
- Purchases / refinances
- 45.8% / 28.6%
- Conventional / FHA / VA
- 86.9% / 5.5% / 7.3%
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 65.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $552,000
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 St. Croix County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| WESTCONSIN Credit Union | 317 | $1,594 | 7.500% |
| Royal Credit Union | 257 | $3,729 | 6.875% |
| Associated Bank, National Association | 168 | $2,560 | 6.750% |
| Rocket Mortgage, LLC | 124 | $4,647 | 6.750% |
| Bell Bank | 109 | $3,867 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 102 | $6,470 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 99 | $7,116 | 6.240% |
| GUARANTEED RATE, INC. | 68 | $5,142 | 6.575% |
| Fairway Independent Mortgage Corporation | 60 | $5,854 | 6.563% |
| U.S. Bank National Association | 60 | — | 7.910% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in St. Croix County — not a rule of thumb.
From 1,832 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