Mortgage lending in Winnebago County
4,659 mortgages were originated in Winnebago 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
- 4,659
- Median rate
- 6.500%
- Median lender fees
- $2,727
- Median loan amount
- $165,000
- Median spread over APOR
- 0.077
- Paid discount points
- 18.5%
- Received lender credits
- 15.9%
- Purchases / refinances
- 46.9% / 28.8%
- Conventional / FHA / VA
- 88.3% / 6.2% / 5.5%
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 69.4% 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 Winnebago County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Community First | 809 | $463 | 5.490% |
| VERVE, A CREDIT UNION | 301 | $2,050 | 6.500% |
| FOX COMMUNITIES Credit Union | 248 | $1,573 | 6.490% |
| Rocket Mortgage, LLC | 170 | $5,578 | 6.750% |
| Associated Bank, National Association | 166 | $2,338 | 6.750% |
| Nicolet National Bank | 163 | $2,701 | 7.500% |
| CAPITAL Credit Union | 130 | $2,082 | 6.313% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 129 | $3,901 | 6.250% |
| U.S. Bank National Association | 115 | $2,924 | 6.625% |
| West Pointe Bank | 105 | — | — |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Winnebago County — not a rule of thumb.
From 3,232 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