Mortgage lending in La Crosse-Onalaska, WI-MN
3,952 mortgages were originated in the La Crosse-Onalaska, WI-MN 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
- 3,952
- Median rate
- 6.625%
- Median lender fees
- $2,738
- Median loan amount
- $185,000
- Median spread over APOR
- 0.203
- Paid discount points
- 13.6%
- Received lender credits
- 14.7%
- Purchases / refinances
- 46.2% / 32.4%
- Conventional / FHA / VA
- 91.7% / 3.2% / 4.9%
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 55.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the La Crosse-Onalaska, WI-MN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ALTRA Federal Credit Union | 1,263 | $2,112 | 6.620% |
| Merchants Bank, National Association | 147 | $2,653 | 6.500% |
| Servion, Inc. | 119 | $2,508 | 6.500% |
| CONSUMER REAL ESTATE FINANCE CO. | 114 | $3,700 | 6.750% |
| Associated Bank, National Association | 110 | $2,645 | 6.875% |
| FIREFIGHTERS CREDIT UNION | 84 | $1,730 | 7.250% |
| Westby Co-op Credit Union | 83 | $1,115 | 7.125% |
| Rocket Mortgage, LLC | 83 | $4,891 | 6.875% |
| The First National Bank Of Bangor | 82 | — | — |
| Governmental Employees Credit Union | 80 | — | — |