Purchase Originations
155
Median Total Costs
$3,290
−50.8% vs national ($6,680)
↑ $59 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$900
Median Lender Credits
$36
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 155 | 6.125% | $3,290 | $900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 155 | 6.125% | $3,290 | #68 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,393 | 5.250% | — | 1 | −$897 | |
| 2 | $2,706 | 5.875% | — | 1 | −$584 | |
| 3 | $2,816 | 6.000% | — | 2 | −$474 | |
| 4 | $2,933 | 5.250% | — | 3 | −$357 | |
| 5 | $2,987 | 5.375% | — | 1 | −$303 | |
| 6 | $3,022 | 5.625% | — | 7 | −$268 | |
| 7 | $3,111 | 5.375% | — | 1 | −$179 | |
| 8 | $3,217 | 6.375% | — | 30 | −$73 | |
| 9 | $3,309 | 6.188% | — | 88 | +$19 | |
| 10 | $3,369 | 5.812% | — | 4 | +$79 | |
| 11 | $3,454 | 6.500% | — | 1 | +$164 | |
| 12 | $3,732 | 6.000% | — | 12 | +$442 | |
| 13 | $3,840 | 5.750% | — | 4 | +$550 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Kohler Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,290 | $7,127 | −$3,837 (−53.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.