Mortgage lending in Racine-Mount Pleasant, WI
5,489 mortgages were originated in the Racine-Mount Pleasant, WI area in 2025, and here is what they cost.
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
- 5,489
- Median rate
- 6.750%
- Median lender fees
- $2,872
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
- $165,000
- Above the going rate (spread over APOR)
- 0.172
- Paid discount points
- 22.1%
- Received lender credits
- 24.4%
- Purchases / refinances
- 41.4% / 32.4%
- Conventional / FHA / VA
- 86.4% / 7.9% / 5.7%
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 64.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Racine-Mount Pleasant, WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Educators Credit Union | 995 | $571 | 6.950% |
| Landmark Credit Union | 510 | $2,140 | 6.500% |
| Johnson Financial Group | 325 | $2,146 | 6.875% |
| Rocket Mortgage, LLC | 244 | $5,162 | 6.625% |
| Summit Credit Union | 181 | — | 7.000% |
| Fairway Independent Mortgage Corporation | 145 | $3,949 | 6.625% |
| North Shore Bank | 117 | — | 7.000% |
| American Pacific Mortgage Corporation | 110 | $7,285 | 6.750% |
| University of Wisconsin Credit Union | 108 | — | 6.625% |
| United Shore Financial Services, LLC | 100 | $5,157 | 6.125% |