What people paid for mortgages in Dodge County, WI (2025)

Across 845 closed home-purchase loans in 2025, the median interest rate in Dodge was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $3,323 on a median loan of $245,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.99%
Median total loan costs: $3,323
Median loan amount: $245,000

845 loans, 2025.

Refinance

Median rate: 6.3%
Middle half of rates: 5.875%–6.75%
Median total loan costs: $3,322
Median loan amount: $205,000

531 loans, 2025.

Lowest median rates in Dodge (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.National Exchange Bank and Trust6.375%32 loans, median costs $2,203
2.Summit Credit Union6.5%76 loans, median costs $2,788
3.Landmark Credit Union6.5%52 loans, median costs $2,191
4.Horicon Bank6.625%40 loans, median costs $2,184
5.GUILD MORTGAGE COMPANY6.625%30 loans, median costs $6,592

Among lenders with at least 30 closed purchase loans in Dodge County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.874%30 loans, median costs $6,313
2.Rocket Mortgage, LLC5.99%43 loans, median costs $8,732
3.Summit Credit Union6.25%48 loans, median costs $1,513
4.Landmark Credit Union6.5%46 loans, median costs $2,125

Among lenders with at least 30 closed refinance loans in Dodge County in 2025.

Lender by lender in Dodge

Every lender that closed at least 5 qualifying loans in Dodge County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Summit Credit Union	76	6.5%	$2,788	$425	$1,030
2	Landmark Credit Union	52	6.5%	$2,191	$799	$513
3	MOVEMENT MORTGAGE, LLC	46	6.812%	$6,485	$2,392	$841
4	Fairway Independent Mortgage Corporation	43	6.75%	$4,924	$1,690	$1,972
5	Horicon Bank	40	6.625%	$2,184	$150	$135
6	National Exchange Bank and Trust	32	6.375%	$2,203	$0	$121
7	GUILD MORTGAGE COMPANY	30	6.625%	$6,592	$2,235	$1,523
8	Rocket Mortgage, LLC	28	6.562%	$6,186	$2,950	$4,064
9	CMG MORTGAGE, INC.	27	6.75%	$6,283	$2,095	$1,698
10	Mortgage Research Center, LLC	23	6.25%	$4,261	$1,188	$572
11	Bank Five Nine	22	6.625%	$3,512	$1,075	n/a
12	Associated Bank, National Association	21	6.375%	$2,309	$880	$141
13	University of Wisconsin Credit Union	20	6.5%	$3,287	$813	$2,595
14	Bell Bank	18	6.562%	$4,792	$1,855	$1,689
15	THOMPSON KANE & COMPANY, INC	17	6.875%	$6,285	$3,219	$2,200
16	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	17	6.625%	$3,496	$1,495	$1,901
17	NEWREZ LLC	10	6.25%	$3,790	$1,735	$2,063
18	WISCONSIN MORTGAGE CORPORATION	10	6.562%	$2,978	$1,245	$1,307
19	Johnson Financial Group	10	6.5%	$2,999	$640	$1,466
20	Educated Mortgage Services, LLC	9	n/a	n/a	n/a	n/a
21	BMO Bank National Association	9	7%	$3,279	$1,588	$844
22	Bank First, N.A.	9	6.875%	$3,240	$400	$784
23	COMPEER FINANCIAL, FLCA	9	7.25%	$3,109	$1,756	$1,164
24	Empeople Credit Union	8	6.125%	$2,921	$990	$876
25	Prosperity Home Mortgage, LLC	8	6.5%	$2,806	$995	$300
26	Barrington Bank & Trust Company, National Association	8	6.74%	$3,118	$975	$1,217
27	Fox Valley Savings Bank	7	n/a	n/a	n/a	n/a
28	The Huntington National Bank	7	6.625%	$3,275	$1,695	$1,011
29	PLANET HOME LENDING, LLC	7	6.375%	$6,378	$1,695	$1,881
30	A + MORTGAGE SERVICES, INC.	7	6.75%	$2,840	$1,500	n/a
31	Farmers and Merchants Union Bank	7	n/a	n/a	n/a	n/a
32	U.S. Bank National Association	7	6.25%	$3,723	$1,041	$252
33	JPMorgan Chase Bank, National Association	7	6.625%	$3,482	$1,854	$881
34	Waukesha State Bank	6	6.688%	$250	$250	n/a
35	FIRST COLONY MORTGAGE CORPORATION	6	6.938%	$4,709	$2,034	$3,936
36	FORTE BANK	6	n/a	n/a	n/a	n/a
37	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	6	6.562%	$6,284	$4,114	$35
38	CROSSCOUNTRY MORTGAGE, INC.	6	6.912%	$4,798	$2,888	$2,408
39	Nations Lending Corporation	5	6.125%	$3,235	$50	$1,459
40	Paramount Residential Mortgage Group, Inc.	5	6.75%	$5,191	$0	$4,344

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Dodge figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Dodge County in 2025?

The median interest rate on closed home-purchase loans in Dodge County, Wisconsin in 2025 was 6.625%, across 845 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.99%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.