Mortgage lending in Duluth, MN-WI
6,205 mortgages were originated in the Duluth, MN-WI area in 2025, and here is what they cost.
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
- 6,205
- Median rate
- 6.750%
- Median lender fees
- $4,602
- Median loan amount
- $165,000
- Median spread over APOR
- 0.390
- Paid discount points
- 32.2%
- Received lender credits
- 24.9%
- Purchases / refinances
- 52.7% / 26.4%
- Conventional / FHA / VA
- 85.9% / 7.2% / 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 70.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Duluth, MN-WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| North Shore Bank of Commerce | 474 | $5,887 | 6.625% |
| CENTRICITY Credit Union | 317 | $330 | 6.740% |
| Members Cooperative Credit Union | 314 | $509 | 7.633% |
| Rocket Mortgage, LLC | 305 | $5,592 | 6.625% |
| U.S. Bank National Association | 282 | $3,425 | 7.375% |
| National Bank of Commerce | 245 | $4,657 | 6.875% |
| Superior Choice Credit Union | 212 | $3,384 | 5.938% |
| Fairway Independent Mortgage Corporation | 207 | $5,572 | 6.875% |
| Frandsen Bank & Trust | 202 | $4,914 | 6.750% |
| AFFINITY PLUS | 190 | $345 | 6.500% |