Purchase Originations
262
Median Total Costs
$3,171
−52.5% vs national ($6,680)
↓ $237 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$850
Median Lender Credits
$1,000
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 256 | 6.625% | $3,119 | $850 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.500% | — | 8 | −$3,171 | |
| 2 | $0 | 6.370% | — | 2 | −$3,171 | |
| 3 | $0 | 6.625% | — | 1 | −$3,171 | |
| 4 | $0 | 5.875% | — | 1 | −$3,171 | |
| 5 | $0 | 6.000% | — | 1 | −$3,171 | |
| 6 | $250 | 6.688% | — | 6 | −$2,921 | |
| 7 | $2,770 | 6.125% | — | 9 | −$401 | |
| 8 | $2,883 | 6.250% | — | 1 | −$288 | |
| 9 | $3,091 | 6.500% | — | 19 | −$80 | |
| 10 | $3,097 | 6.625% | — | 162 | −$74 | |
| 11 | $3,281 | 6.750% | — | 6 | +$110 | |
| 12 | $3,548 | 6.625% | — | 37 | +$377 | |
| 13 | $3,651 | 6.875% | — | 1 | +$480 | |
| 14 | $4,554 | 6.875% | — | 3 | +$1,383 | |
| 15 | $5,156 | 6.875% | — | 1 | +$1,985 | |
| 16 | $5,354 | 7.125% | — | 1 | +$2,183 | |
| 17 | $7,197 | 6.312% | — | 2 | +$4,026 | |
| 18 | $8,997 | 4.875% | — | 1 | +$5,826 |
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 | Waukesha State Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $370,000 | $335,000 | +$35,000 (+10.4%) |
| Median total closing costs | $3,171 | $7,127 | −$3,956 (−55.5%) |
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.