Wisconsin · Q1 2026
What Wisconsin borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 511 lenders.
Published 2026-04-29.
Wisconsin · headline
The gap between Wisconsin's lowest- and highest-cost ranked lenders in 2025 was $4,718 on a typical loan — borrowers using Rocket Mortgage paid roughly 786% more than borrowers using Educators Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=88,495)
In 2025, 511 mortgage lenders originated 88,495 reportable loans in Wisconsin according to FFIEC HMDA data. The median borrower paid $3,746 in total loan costs. That is 11.7% below the national median across all 50 states and DC.
Wisconsin's median total loan cost was $3,746, 11.7% below the national median of $4,242. On a typical loan, that translates to roughly $496 less than borrowers paid in the average state.
Educators Credit Union posted the lowest median total loan costs at $600, 84.0% below the Wisconsin median. Across the ranked lenders, 10 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Wisconsin are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,318 | $3,635 | 5,732 | F |
| 2 | Summit Credit Union | $2,618 | $425 | 3,213 | A |
| 3 | United Wholesale Mortgage | $4,961 | $2,341 | 2,974 | D |
| 4 | University Of Wisconsin Credit Union | $2,992 | $365 | 2,749 | A |
| 5 | Fairway Independent Mortgage | $4,277 | $1,891 | 2,665 | C |
| 6 | Associated Bank, National Association | $2,488 | $900 | 2,194 | A |
| 7 | Educators Credit Union | $600 | $201 | 2,194 | A |
| 8 | Guild Mortgage | $4,267 | $1,748 | 2,164 | C |
| 9 | Landmark Credit Union | $2,165 | $799 | 2,012 | A |
| 10 | U.S. Bank National Association | $2,821 | $1,084 | 1,809 | A |
Wisconsin median total loan cost
Wisconsin borrowers paid a median $3,746 in total loan costs in 2025, based on 88,495 HMDA-reported loans across 511 lenders.
FFIEC HMDA 2025
Lender spread in Wisconsin
In Wisconsin, the gap between Educators Credit Union ($600 median) and Rocket Mortgage ($5,318 median) was $4,718 on a typical 2025 loan.
FFIEC HMDA 2025
Wisconsin vs. national
Wisconsin closing costs ran 11.7% below the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Wisconsin was $1,623, with the typical lender clustering tightly around that figure. Discount points appeared on 37% of loans, with a median paid amount of $1,606 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $400.
Avg $2,795
Median $1,606 when present
Median $400 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Wisconsin) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Wisconsin
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