Mortgage lending in Sheboygan, WI
2,973 mortgages were originated in the Sheboygan, 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
- 2,973
- Median rate
- 6.750%
- Median lender fees
- $3,006
- Median loan amount
- $165,000
- Median spread over APOR
- 0.237
- Paid discount points
- 19.3%
- Received lender credits
- 18.9%
- Purchases / refinances
- 41.3% / 34%
- Conventional / FHA / VA
- 89% / 7.1% / 3.9%
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 56.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sheboygan, WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| KOHLER CREDIT UNION | 360 | $2,622 | 7.063% |
| Bank First, N.A. | 272 | $2,406 | 6.875% |
| Rocket Mortgage, LLC | 140 | $5,588 | 6.625% |
| Oostburg State Bank | 134 | — | — |
| U.S. Bank National Association | 125 | $2,522 | 6.875% |
| Summit Credit Union | 118 | — | 7.000% |
| UNITEDONE Credit Union | 87 | $588 | 6.000% |
| National Exchange Bank and Trust | 80 | — | 6.688% |
| Associated Bank, National Association | 80 | — | 7.000% |
| Cleveland State Bank | 79 | — | — |