What people paid for mortgages in Fond du Lac County, WI (2025)

Across 1,049 closed home-purchase loans in 2025, the median interest rate in Fond du Lac was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $3,115 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $3,115
Median loan amount: $225,000

1,049 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $2,962
Median loan amount: $195,000

548 loans, 2025.

Lowest median rates in Fond du Lac (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 Trust5.938%110 loans, median costs $2,257
2.Mortgage Research Center, LLC6.25%34 loans, median costs $4,716
3.Associated Bank, National Association6.375%81 loans, median costs $2,295
4.U.S. Bank National Association6.375%52 loans, median costs $3,397
5.Bank First, N.A.6.438%44 loans, median costs $2,904

Among lenders with at least 30 closed purchase loans in Fond du Lac County in 2025.

Refinance

1.National Exchange Bank and Trust6.25%53 loans, median costs $1,439
2.Bank First, N.A.6.375%31 loans, median costs $1,661
3.U.S. Bank National Association6.433%34 loans, median costs $2,720
4.Rocket Mortgage, LLC6.49%37 loans, median costs $7,278
5.MARINE CREDIT UNION7.88%43 loans, median costs $3,447

Among lenders with at least 30 closed refinance loans in Fond du Lac County in 2025.

Lender by lender in Fond du Lac

Every lender that closed at least 5 qualifying loans in Fond du Lac 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	National Exchange Bank and Trust	110	5.938%	$2,257	$25	$22
2	GUILD MORTGAGE COMPANY	83	6.625%	$3,843	$998	$554
3	Associated Bank, National Association	81	6.375%	$2,295	$850	$82
4	U.S. Bank National Association	52	6.375%	$3,397	$1,020	$459
5	Fox Valley Savings Bank	44	n/a	n/a	n/a	n/a
6	Bank First, N.A.	44	6.438%	$2,904	$400	$270
7	Horicon Bank	38	6.438%	$2,362	$150	n/a
8	Mortgage Research Center, LLC	34	6.25%	$4,716	$937	$1,878
9	Summit Credit Union	27	6.625%	$2,687	$425	$314
10	VERVE, A CREDIT UNION	26	6.188%	$2,952	$715	n/a
11	Nations Lending Corporation	25	6.625%	$5,730	$2,295	$816
12	CMG MORTGAGE, INC.	25	6.75%	$5,807	$2,254	$753
13	AMERICAN PACIFIC MORTGAGE CORPORATION	21	6.625%	$4,305	$1,645	$1,337
14	Community First	20	5.875%	$2,591	$650	n/a
15	Fairway Independent Mortgage Corporation	20	6.562%	$5,752	$2,981	$2,323
16	Rocket Mortgage, LLC	19	6.75%	$5,853	$3,062	$2,498
17	TRIAD FINANCIAL SERVICES, INC.	15	9.65%	n/a	n/a	n/a
18	Landmark Credit Union	15	6.625%	$2,201	$799	$591
19	COMPEER FINANCIAL, FLCA	13	6.65%	$4,374	$2,500	$1,672
20	Zippy Loans, LLC	12	8%	$2,127	$1,829	n/a
21	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	11	6.75%	$5,297	$1,570	$1,053
22	Bell Bank	11	6.49%	$4,104	$1,610	$2,341
23	Ixonia Bank	10	6.875%	$4,445	$1,750	$2,446
24	University of Wisconsin Credit Union	9	6.625%	$2,903	$365	$1,188
25	Fortifi Bank	9	n/a	n/a	n/a	n/a
26	MOVEMENT MORTGAGE, LLC	9	6.75%	$8,411	$4,015	$464
27	Nicolet National Bank	8	6.812%	$3,268	$1,175	n/a
28	Prosperity Home Mortgage, LLC	8	6.625%	$3,070	$995	$1,146
29	NEWREZ LLC	8	6.375%	$4,158	$1,499	$4,864
30	TOWNE MORTGAGE COMPANY	7	6.625%	$3,493	$1,295	$577
31	JPMorgan Chase Bank, National Association	7	5.99%	$3,861	$682	$2,654
32	Barrington Bank & Trust Company, National Association	7	7%	$2,697	$875	n/a
33	COVANTAGE CREDIT UNION	6	6.312%	$4,308	$1,670	$1,782
34	BMO Bank National Association	6	6.625%	$3,774	$1,250	$968
35	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	6	7%	$5,402	$1,953	$2,455
36	ZILLOW HOME LOANS, LLC	6	6.688%	$5,192	$1,995	$1,806
37	FIRST COLONY MORTGAGE CORPORATION	6	6.562%	$5,880	$1,095	$3,278
38	FOND DU LAC CREDIT UNION	6	6.375%	$1,673	$300	n/a
39	Home State Bank, National Association	6	6.495%	$4,018	$1,650	n/a
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	6	6.87%	$7,037	$4,055	$3,932

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.

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What happens after you submit

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

Common questions

What mortgage rate did people get in Fond du Lac County in 2025?

The median interest rate on closed home-purchase loans in Fond du Lac County, Wisconsin in 2025 was 6.5%, across 1,049 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

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.