Loan costs · Wisconsin

Mortgage closing costs in Sheboygan County, WI: what lenders charged in 2025

What lenders actually charged on home purchase loans, from the 2025 HMDA data.

Computed by Payotte from the FFIEC HMDA loan-level data for 2025 (read on 2026-10-19).

In short

On the 824 home purchase loans reported in Sheboygan County for 2025, the median "total loan costs" on the Closing Disclosure was $3,280, or 1.38% of the loan amount. Half the loans fell between $2,608 and $4,847. 27.9% of borrowers paid discount points (median $1,139), and 39.9% received lender credits. The median interest rate was 6.5%.

The figures

Loans analysed	824
Total loan costs, cheapest quarter (25th percentile)	$2,608
Total loan costs, median	$3,280
Total loan costs, most expensive quarter (75th percentile)	$4,847
Median total loan costs as a share of the loan	1.38%
Median origination charges	$1,020
Borrowers who paid discount points	27.9% (median $1,139)
Borrowers who received lender credits	39.9% (median $500)
Median interest rate	6.5%
Median loan amount	$245,000

Rank in Wisconsin: 16 of 24 counties with at least 500 loans, from the highest median total loan costs. Points and credits medians are among the borrowers who paid or received them. Loan amounts in the public data are rounded to the middle of a $10,000 band.

By type of loan

Loan type	Loans	Median total loan costs	Middle half	Median rate
Conventional	663	$3,050	$2,503 to $3,685	6.5%
FHA	112	$8,220	$7,098 to $10,152	6.625%

Loan types with at least 100 loans in the county.

What the data covers

Home purchase loans that were originated in 2025: first liens on a site-built single-family home (1 to 4 units) that is the borrower's principal residence, excluding reverse mortgages, lines of credit and business-purpose loans, with total loan costs reported. "Total loan costs" is the amount disclosed on the Closing Disclosure (Regulation C, 12 CFR 1003.4(a)(17); Regulation Z, 12 CFR 1026.38(f)(4)). Transfer taxes, recording fees, prepaid interest, insurance and escrow deposits are not part of it.

Questions

Is my Loan Estimate expensive for Sheboygan County?

Compare the total of Section D ("Total Loan Costs") on your Loan Estimate with what borrowers paid in 2025: $2,608 for the cheapest quarter of loans, $3,280 at the median and $4,847 for the most expensive quarter. Above $4,847, ask the lender why and compare other offers.

What is included in total loan costs?

Origination charges, services you cannot shop for and services you can shop for, as shown in Section D of the Loan Estimate and Closing Disclosure. Transfer taxes, recording fees, prepaid items and escrow are in other sections and are not included.

Do FHA or VA loans cost more in Sheboygan County?

Conventional: median $3,050 (663 loans); FHA: median $8,220 (112 loans).

General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.