Best Refinance Lenders in Wisconsin 2026: Top 8 Ranked
Daniel Schmidt
Wisconsin Refinance Specialist | 17+ Years Experience
January 23, 2026
Looking for the best refinance lenders in Wisconsin? Wisconsin homeowners can save $200-$400/month by refinancing. These 8 lenders offer the best rates and fastest approvals in WI.
5.95%
Avg Refi Rate
$320
Avg Monthly Savings
$295K
Median Home Value
28 days
Avg Close Time
🏆 Top 8 Refinance Lenders Wisconsin 2026
Rocket Mortgage - Best Refinance Lender Wisconsin
6,800+ WI refis
Why #1:
- 🚀 Fastest online refi (8 minutes to apply)
- 💰 Competitive rates: 5.85%-6.05% APR
- ⚡ Close in 28 days average
- 📱 Best mobile app for WI homeowners
- 🏆 #1 refinance lender in Milwaukee + Madison
Best For:
WI homeowners who want speed + convenience
💰 Wisconsin Refinance Savings by City 2026
| City | Median Home Value | Avg Monthly Savings | 30-Year Savings |
|---|---|---|---|
| Milwaukee | $220,000 | $240/month | $86,400 |
| Madison | $380,000 | $415/month | $149,400 |
| Green Bay | $210,000 | $230/month | $82,800 |
| Kenosha | $245,000 | $268/month | $96,480 |
✅ When to Refinance in Wisconsin 2026
✅ REFINANCE NOW IF:
Rate Drop 0.75%+
Current 6.70% → New 5.95% = $320/month savings
Cash-Out Equity
Access $50K-$100K for home improvements
Remove PMI
Save $150-$300/month
Switch to Fixed Rate
ARM → 30-year fixed for stability
❌ DON'T REFINANCE IF:
Rate Drop < 0.50%
Closing costs won't break even
Selling Soon
Moving in < 2 years = no breakeven
Credit Score Dropped
Below 680 = higher rates
Already Low Rate
Below 4% = keep it!
❓ FAQ: Wisconsin Refinance 2026
How much does it cost to refinance in Wisconsin?
Wisconsin Refinance Closing Costs:
- Total: 2-5% of loan amount
- Example ($295K loan): $5,900-$14,750
Breakdown:
- Appraisal: $500-$700
- Title insurance: $1,000-$1,500
- Origination fee: 0.5-1% ($1,475-$2,950)
- Recording fees: $200-$400
Should I do a cash-out refinance in Wisconsin?
Cash-out refinance makes sense IF:
- You have 20%+ equity
- You need $50K+ for home improvements
- Cash-out rate is still lower than current rate
- You plan to stay 5+ years
Example: $295K home in Madison
- Current loan: $200K
- Home value: $295K
- Available equity: $95K (32%)
- Cash-out: $50K (keep 15% equity)
- New loan: $250K at 6.15%