Mortgage lending in Waukesha County
12,607 mortgages were originated in Waukesha 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
- 12,607
- Median rate
- 6.625%
- Median lender fees
- $2,909
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
- $245,000
- Above the going rate (spread over APOR)
- -0.006
- Paid discount points
- 17.3%
- Received lender credits
- 23%
- Purchases / refinances
- 38.3% / 34.6%
- Conventional / FHA / VA
- 94.3% / 2.7% / 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 57.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $447,000
- That home, 20% down
- $357,600
A median-priced home with 20% down leaves $475,150 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 Waukesha County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Landmark Credit Union | 2,085 | $2,140 | 6.500% |
| Summit Credit Union | 1,298 | $2,415 | 7.000% |
| University of Wisconsin Credit Union | 805 | $3,004 | 6.625% |
| Waukesha State Bank | 483 | $1,663 | 6.875% |
| Associated Bank, National Association | 410 | $2,616 | 6.875% |
| Rocket Mortgage, LLC | 380 | $4,052 | 6.750% |
| Fairway Independent Mortgage Corporation | 370 | $3,414 | 6.625% |
| Educators Credit Union | 305 | $1,011 | 6.875% |
| BMO Bank National Association | 293 | — | 8.150% |
| Johnson Financial Group | 285 | $2,394 | 6.750% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Waukesha County — not a rule of thumb.
From 7,216 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