Lowest closing cost mortgage lenders in Polk County County, Wisconsin
In Polk County, Wisconsin, homebuyers paid a median of $4,515 in closing costs in 2024 — above the Wisconsin median of $3,374. The county saw 423 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Royal Credit Union offered the lowest median costs at $0, which is $3,650 less than the county median.
Homebuyers in Polk County County who chose Royal Credit Union paid $4,515 less in closing costs than the county median.
County Median Costs
$4,515
+33.8% vs Wisconsin ($3,374)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,048
Purchase Originations
423
vs Wisconsin Median
33.8% above
$1,141
vs National Median
33.0% below
$-2,226
Lender rankings in Polk County County
10 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.875% | $0 | 46 | −$3,650 | |
| 2 | $2,629 | 6.625% | $770 | 20 | −$1,021 | |
| 3 | $3,110 | 6.875% | $895 | 21 | −$540 | |
| 4 | $3,477 | 6.688% | $1,314 | 10 | −$173 | |
| 5 | $4,155 | 7.062% | $2,369 | 10 | +$505 | |
| 6 | $4,854 | 6.490% | $3,278 | 10 | +$1,204 | |
| 7 | $5,260 | 6.990% | $3,354 | 33 | +$1,610 | |
| 8 | $5,283 | 6.558% | $3,446 | 12 | +$1,633 | |
| 9 | $5,333 | 6.575% | $2,943 | 11 | +$1,683 | |
| 10 | $6,052 | 6.625% | $4,390 | 11 | +$2,402 |
Includes lenders with 10+ purchase originations in Polk County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Wisconsin → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.